Home purchase lenders in Yolo County
1,392 home purchase mortgages were made in Yolo County, California, in 2025, by 229 lenders. The median rate their borrowers got was 6.500% on a median loan of $475,000. Of 1,638 decisions, 172 were denials — 10.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 260 | 6.500% | $490,000 | 5.4% |
| Rocket Mortgage, LLC | 82 | 6.500% | $445,000 | 14.6% |
| GUILD MORTGAGE COMPANY | 82 | 6.562% | $470,000 | 1.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 57 | 6.625% | $575,000 | 0.0% |
| KIND LENDING, LLC | 48 | 6.250% | $445,000 | 17.2% |
| THE LOAN STORE, INC. | 48 | 6.375% | $430,000 | 1.8% |
| LENNAR MORTGAGE, LLC | 47 | 5.250% | $495,000 | 9.6% |
| INSPIRE HOME LOANS INC. | 41 | 6.375% | $465,000 | 2.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | 5.750% | $505,000 | 3.1% |
| TRIAD FINANCIAL SERVICES, INC. | 26 | 8.790% | $145,000 | 35.1% |
| U.S. Bank National Association | 26 | 6.370% | $580,000 | 18.8% |
| Loandepot.Com, LLC | 26 | 6.063% | $595,000 | 10.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 26 | 6.563% | $410,000 | 3.7% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 6.750% | $545,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 20 | 6.375% | $465,000 | 19.2% |
| Bank of America, National Association | 20 | 6.250% | $440,000 | 13.0% |
| Wells Fargo Bank, National Association | 20 | 6.063% | $620,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $425,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 18 | 6.625% | $495,000 | 0.0% |
| CMG MORTGAGE, INC. | 17 | 6.500% | $445,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.563% | $420,000 | 0.0% |
| SCENIC OAKS FUNDING, LLC | 16 | 6.933% | $735,000 | 5.9% |
| GUARANTEED RATE, INC. | 14 | 6.550% | $410,000 | 0.0% |
| Mortgage Research Center, LLC | 13 | 6.125% | $535,000 | 12.5% |
| THE GOLDEN 1 | 13 | 6.250% | $365,000 | 23.5% |
| NEWREZ LLC | 12 | 6.875% | $485,000 | 7.7% |
| ENVOY MORTGAGE, LTD | 12 | 6.500% | $480,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 12 | 6.125% | $420,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 11 | 6.490% | $475,000 | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| 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 | 66.7% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS 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% |
| Tri Counties Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Yolo Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Peak Residential Lending Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Provident Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BluPeak Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 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% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 78.6% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Umpqua Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Northern Bank of Dixon | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 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% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Security Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank (USA) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank of Central California | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PACIFIC SERVICE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loansteady LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTHLAND CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 29 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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. 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.