Refinancing lenders in Sacramento County
4,156 refinancing mortgages were made in Sacramento County, California, in 2025, by 374 lenders. The median rate their borrowers got was 6.125% on a median loan of $445,000. Of 5,589 decisions, 1,100 were denials — 19.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,131 | 5.999% | $475,000 | 13.8% |
| Rocket Mortgage, LLC | 385 | 5.990% | $465,000 | 19.7% |
| THE LOAN STORE, INC. | 124 | 6.433% | $390,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 123 | 6.124% | $485,000 | 13.6% |
| FREEDOM MORTGAGE CORPORATION | 117 | 5.875% | $445,000 | 6.0% |
| Bank of America, National Association | 98 | 5.990% | $155,000 | 39.0% |
| JPMorgan Chase Bank, National Association | 81 | 6.090% | $570,000 | 7.8% |
| Loandepot.Com, LLC | 80 | 5.990% | $510,000 | 10.9% |
| U.S. Bank National Association | 65 | 6.375% | $525,000 | 11.0% |
| GUILD MORTGAGE COMPANY | 62 | 6.125% | $415,000 | 4.1% |
| NEWREZ LLC | 55 | 6.000% | $445,000 | 29.6% |
| Patelco Credit Union | 55 | 8.500% | $105,000 | 17.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 55 | 6.125% | $475,000 | 8.1% |
| THE GOLDEN 1 | 53 | 6.000% | $355,000 | 34.5% |
| CMG MORTGAGE, INC. | 46 | 6.500% | $465,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 40 | 5.750% | $495,000 | 59.0% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.990% | $495,000 | 10.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 33 | 5.990% | $465,000 | 9.4% |
| Third Federal Savings and Loan Association of Cleveland | 31 | 6.990% | $125,000 | 41.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 31 | 5.875% | $535,000 | 8.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.125% | $475,000 | 8.6% |
| FINANCE OF AMERICA REVERSE LLC | 30 | 6.250% | $210,000 | 11.8% |
| Mortgage Research Center, LLC | 29 | 5.875% | $445,000 | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6.125% | $435,000 | 12.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.313% | $290,000 | 18.8% |
| OCMBC, INC. | 26 | 6.750% | $370,000 | 3.2% |
| El Dorado Savings Bank, F.S.B. | 26 | Not published | $205,000 | 16.1% |
| SACRAMENTO Credit Union | 25 | 6.375% | $335,000 | 24.2% |
| GUARANTEED RATE, INC. | 24 | 5.913% | $495,000 | 4.0% |
| KIND LENDING, LLC | 24 | 6.250% | $425,000 | 34.9% |
| SPRING EQ, LLC | 24 | 9.150% | $115,000 | 35.1% |
| PLANET HOME LENDING, LLC | 24 | 5.625% | $510,000 | 4.0% |
| General Mortgage Capital Corporation | 23 | 6.499% | $425,000 | 0.0% |
| GOOGAIN, INC. | 23 | 6.500% | $475,000 | 0.0% |
| Broker Solutions, Inc. | 21 | 6.500% | $475,000 | 16.0% |
| Wells Fargo Bank, National Association | 21 | 6.000% | $275,000 | 16.0% |
| PHH Mortgage Corporation | 19 | 5.990% | $395,000 | 24.0% |
| NexBank | 19 | 6.125% | $445,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 5.875% | $460,000 | 13.8% |
| ALLIANT CREDIT UNION | 18 | 8.625% | $170,000 | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.125% | $455,000 | 5.6% |
| Lendage, LLC | 17 | 10.500% | $85,000 | 4.4% |
| HIGHTECHLENDING INC | 17 | 6.125% | $195,000 | 0.0% |
| PNC Bank, National Association | 15 | 7.940% | $235,000 | 42.3% |
| MOVEMENT MORTGAGE, LLC | 15 | 5.990% | $565,000 | 5.3% |
| Ameris Bank | 15 | 6.125% | $495,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 14 | 6.125% | $520,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.500% | $375,000 | 13.3% |
| A&D Mortgage LLC | 12 | 5.875% | $475,000 | 20.0% |
| SCHOOLSFIRST | 12 | 5.750% | $460,000 | 7.7% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.395% | $375,000 | 17.7% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.188% | $450,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.750% | $430,000 | 14.3% |
| LoanUnited.com, LLC | 11 | 5.750% | $455,000 | 38.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.125% | $545,000 | 8.3% |
| SUMMIT FUNDING, INC. | 11 | 6.750% | $405,000 | 15.4% |
| BETTER MORTGAGE CORPORATION | 10 | 5.750% | $455,000 | 52.4% |
| Discover Bank | 10 | 8.915% | $125,000 | 67.7% |
| Navy Federal Credit Union | 10 | 5.750% | $375,000 | 23.1% |
| RESICENTRAL, LLC | 10 | 6.558% | $530,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 5.630% | $795,000 | 9.1% |
| Zions Bancorporation, N.A. | 10 | 6.188% | $710,000 | 17.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 10 | 5.938% | $205,000 | 23.1% |
| SAFE Credit Union | 10 | 6.250% | $490,000 | 0.0% |
| SCENIC OAKS FUNDING, LLC | 10 | 6.375% | $430,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.125% | $520,000 | 0.0% |
| NMSI, INC. | 10 | 6.375% | $360,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 65.4% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 59.1% |
| Tri Counties Bank | 9 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Fremont Bank | 8 | Under 10 loans | Under 10 loans | 62.5% |
| INTELLILOAN, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CAKE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 56.3% |
| SOUTH RIVER MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| STAR ONE Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FOUNDATION MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Banner Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| East West Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LAND HOME FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DATA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 70.6% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENNKAR, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Marin | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TRAVIS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHLAND CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTERCAP LENDING INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Provident Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Northern Bank of Dixon | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 174 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Sacramento County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.