Mortgage lenders in Yolo County
2,818 mortgages were made in Yolo County, California, in 2025, by 321 lenders. The median rate their borrowers got was 6.625% on a median loan of $385,000. Of 3,802 decisions, 778 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 414 | 6.498% | $455,000 | 9.3% |
| Rocket Mortgage, LLC | 217 | 6.625% | $345,000 | 15.7% |
| THE GOLDEN 1 | 186 | 7.750% | $115,000 | 31.7% |
| GUILD MORTGAGE COMPANY | 112 | 6.624% | $465,000 | 0.8% |
| THE LOAN STORE, INC. | 76 | 6.490% | $405,000 | 8.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 6.625% | $560,000 | 0.0% |
| U.S. Bank National Association | 61 | 6.875% | $385,000 | 46.0% |
| Loandepot.Com, LLC | 58 | 6.313% | $365,000 | 26.6% |
| KIND LENDING, LLC | 57 | 6.375% | $445,000 | 18.6% |
| Bank of America, National Association | 53 | 6.240% | $245,000 | 37.9% |
| PENNYMAC LOAN SERVICES, LLC | 49 | 6.625% | $425,000 | 14.5% |
| LENNAR MORTGAGE, LLC | 47 | 5.250% | $495,000 | 9.6% |
| NEWREZ LLC | 46 | 6.813% | $385,000 | 13.0% |
| INSPIRE HOME LOANS INC. | 41 | 6.375% | $465,000 | 2.3% |
| JPMorgan Chase Bank, National Association | 40 | 6.250% | $475,000 | 21.2% |
| Yolo Federal Credit Union | 39 | 6.500% | $105,000 | 39.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | 5.938% | $510,000 | 10.0% |
| SPRING EQ, LLC | 35 | 9.375% | $85,000 | 58.4% |
| TRAVIS CREDIT UNION | 34 | 6.438% | $165,000 | 5.6% |
| Wells Fargo Bank, National Association | 33 | 5.875% | $555,000 | 17.5% |
| SCHOOLSFIRST | 33 | 7.250% | $135,000 | 22.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.625% | $435,000 | 3.0% |
| GUARANTEED RATE, INC. | 30 | 6.563% | $330,000 | 5.6% |
| NATIONSTAR MORTGAGE LLC | 28 | 8.438% | $100,000 | 24.3% |
| FIGURE LENDING LLC | 27 | 8.275% | $75,000 | 18.8% |
| CMG MORTGAGE, INC. | 27 | 6.625% | $455,000 | 5.7% |
| TRIAD FINANCIAL SERVICES, INC. | 26 | 8.790% | $145,000 | 34.7% |
| SAFE Credit Union | 22 | 6.563% | $100,000 | 8.3% |
| Paramount Residential Mortgage Group, Inc. | 20 | 6.250% | $415,000 | 4.8% |
| Coastal Community Bank | 19 | 9.740% | $95,000 | 1.9% |
| Sierra Pacific Mortgage Company, Inc. | 19 | 6.500% | $415,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 19 | 6.625% | $495,000 | 0.0% |
| SCENIC OAKS FUNDING, LLC | 19 | 6.750% | $735,000 | 5.0% |
| Broker Solutions, Inc. | 18 | 6.990% | $320,000 | 19.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.188% | $495,000 | 13.6% |
| ENVOY MORTGAGE, LTD | 18 | 6.500% | $465,000 | 10.0% |
| Mortgage Research Center, LLC | 17 | 6.125% | $535,000 | 40.6% |
| Tri Counties Bank | 17 | 6.875% | $355,000 | 41.9% |
| Navy Federal Credit Union | 16 | 6.750% | $270,000 | 28.0% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $180,000 | 17.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 13 | 6.875% | $445,000 | 0.0% |
| BMO Bank National Association | 12 | 7.063% | $615,000 | 45.8% |
| Patelco Credit Union | 12 | 8.000% | $105,000 | 20.0% |
| ZILLOW HOME LOANS, LLC | 12 | 6.125% | $420,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 5.750% | $495,000 | 7.7% |
| GOOGAIN, INC. | 11 | 6.625% | $485,000 | 0.0% |
| ALLIANT CREDIT UNION | 11 | 7.750% | $155,000 | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 7.828% | $110,000 | 9.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 5.938% | $270,000 | 16.7% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 76.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 38.9% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 47.1% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 70.8% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 6 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BluPeak Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| First Northern Bank of Dixon | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PACIFIC SERVICE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Peak Residential Lending Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 65.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Banner Bank | 4 | Under 10 loans | Under 10 loans | 57.1% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300YVM8B4UQC5DK40 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 78.6% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 38.5% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ORANGE COUNTY'S CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers & Merchants Bank of Central California | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | 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 121 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Yolo County
26 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Northern Bank of Dixon | 5 | $823.8 million |
| Bank of America, National Association | 4 | $1.1 billion |
| Wells Fargo Bank, National Association | 3 | $1.2 billion |
| JPMorgan Chase Bank, National Association | 3 | $1.0 billion |
| U.S. Bank National Association | 3 | $403.8 million |
| River City Bank | 2 | $95.4 million |
| Citizens Business Bank, National Association | 2 | $59.1 million |
| Columbia Bank | 1 | $116.3 million |
| Tri Counties Bank | 1 | $81.0 million |
| BMO Bank National Association | 1 | $79.5 million |
| Banner Bank | 1 | $60.1 million |
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When the next year’s lending figures are out for Yolo County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.