Mortgage lenders in El Dorado County
4,769 mortgages were made in El Dorado County, California, in 2025, by 411 lenders. The median rate their borrowers got was 6.647% on a median loan of $385,000. Of 6,385 decisions, 1,313 were denials — 20.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 711 | 6.500% | $485,000 | 9.0% |
| Rocket Mortgage, LLC | 425 | 6.625% | $375,000 | 15.2% |
| THE GOLDEN 1 | 202 | 7.813% | $120,000 | 39.7% |
| THE LOAN STORE, INC. | 151 | 6.625% | $445,000 | 10.2% |
| GUILD MORTGAGE COMPANY | 144 | 6.500% | $385,000 | 1.9% |
| U.S. Bank National Association | 133 | 7.000% | $395,000 | 37.5% |
| SCHOOLSFIRST | 130 | 6.250% | $105,000 | 10.9% |
| Bank of America, National Association | 115 | 5.990% | $225,000 | 37.9% |
| PENNYMAC LOAN SERVICES, LLC | 109 | 6.500% | $555,000 | 17.9% |
| El Dorado Savings Bank, F.S.B. | 89 | Not published | $125,000 | 27.0% |
| LENNAR MORTGAGE, LLC | 77 | 4.990% | $355,000 | 2.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 71 | 6.750% | $455,000 | 7.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 67 | 6.875% | $465,000 | 2.8% |
| NEWREZ LLC | 66 | 6.625% | $375,000 | 22.1% |
| Loandepot.Com, LLC | 66 | 6.750% | $330,000 | 23.1% |
| KIND LENDING, LLC | 66 | 6.750% | $465,000 | 23.0% |
| SPRING EQ, LLC | 65 | 8.825% | $115,000 | 53.4% |
| JPMorgan Chase Bank, National Association | 56 | 6.490% | $425,000 | 18.9% |
| CMG MORTGAGE, INC. | 56 | 6.625% | $450,000 | 2.9% |
| FIGURE LENDING LLC | 55 | 8.950% | $85,000 | 24.2% |
| Wells Fargo Bank, National Association | 40 | 6.063% | $565,000 | 28.6% |
| Umpqua Bank | 39 | 8.250% | $285,000 | 17.0% |
| Patelco Credit Union | 35 | 8.000% | $125,000 | 2.7% |
| FREEDOM MORTGAGE CORPORATION | 34 | 6.188% | $445,000 | 10.3% |
| Paramount Residential Mortgage Group, Inc. | 34 | 6.500% | $555,000 | 0.0% |
| BMO Bank National Association | 33 | 8.190% | $265,000 | 38.2% |
| NATIONSTAR MORTGAGE LLC | 32 | 8.625% | $105,000 | 31.9% |
| SAFE Credit Union | 32 | 5.490% | $105,000 | 15.8% |
| GUARANTEED RATE, INC. | 30 | 6.750% | $460,000 | 0.0% |
| ALLIANT CREDIT UNION | 30 | 7.875% | $155,000 | 18.9% |
| SIERRA CENTRAL CREDIT UNION | 29 | 7.875% | $105,000 | 27.5% |
| Mortgage Research Center, LLC | 26 | 5.990% | $580,000 | 28.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 26 | 6.188% | $410,000 | 10.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 10.160% | $185,000 | 27.8% |
| Sierra Pacific Mortgage Company, Inc. | 24 | 6.688% | $470,000 | 11.1% |
| Broker Solutions, Inc. | 23 | 6.900% | $335,000 | 22.6% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.550% | $105,000 | 27.1% |
| SCENIC OAKS FUNDING, LLC | 22 | 6.750% | $415,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 20 | 6.990% | $120,000 | 41.2% |
| Firefighters First Federal Credit Union | 20 | 7.500% | $220,000 | 13.0% |
| Navy Federal Credit Union | 19 | 7.750% | $155,000 | 40.6% |
| ZILLOW HOME LOANS, LLC | 19 | 6.375% | $475,000 | 5.0% |
| STG MORTGAGE INC | 19 | 6.625% | $395,000 | 4.8% |
| UNION HOME MORTGAGE CORP. | 19 | 6.375% | $505,000 | 0.0% |
| AmeriSave Mortgage Corporation | 18 | 8.625% | $70,000 | 66.0% |
| PNC Bank, National Association | 18 | 7.840% | $195,000 | 26.9% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.250% | $565,000 | 43.3% |
| OCMBC, INC. | 17 | 7.375% | $345,000 | 9.1% |
| ALAMEDA MORTGAGE CORPORATION | 17 | 6.990% | $495,000 | 5.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 17 | 6.625% | $455,000 | 5.6% |
| MORTGAGEONE, INC. | 17 | 6.750% | $415,000 | 5.6% |
| Morgan Stanley Private Bank, National Association | 17 | 6.000% | $695,000 | 5.6% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 5.625% | $390,000 | 50.8% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.808% | $535,000 | 9.5% |
| Coastal Community Bank | 15 | 11.990% | $55,000 | 5.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 8.678% | $155,000 | 22.2% |
| Kiavi Funding, Inc. | 14 | 10.000% | $455,000 | 12.5% |
| JMAC LENDING, INC. | 14 | 6.500% | $520,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 6.313% | $540,000 | 5.9% |
| Provident Credit Union | 14 | 6.500% | $130,000 | 0.0% |
| Banner Bank | 13 | 7.500% | $525,000 | 51.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.250% | $285,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.500% | $315,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 7.000% | $505,000 | 47.8% |
| FIRST COLONY MORTGAGE CORPORATION | 12 | 6.500% | $515,000 | 15.0% |
| EVERETT FINANCIAL, INC. | 12 | 7.058% | $515,000 | 0.0% |
| Fremont Bank | 12 | 8.250% | $205,000 | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.438% | $240,000 | 25.0% |
| CHAMPIONS FUNDING, LLC | 12 | 8.000% | $475,000 | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.625% | $515,000 | 7.1% |
| Synergy One Lending, Inc. | 12 | 6.938% | $635,000 | 7.7% |
| Plains Commerce Bank | 12 | 6.875% | $380,000 | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | 12 | 7.695% | $140,000 | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.500% | $465,000 | 54.2% |
| AMWEST FUNDING CORP. | 11 | 6.750% | $465,000 | 8.3% |
| QUORUM FEDERAL CREDIT UNION | 11 | 8.625% | $205,000 | 20.0% |
| UNIVERSAL LENDING CORPORATION | 11 | 6.000% | $805,000 | 8.3% |
| LENDSURE MORTGAGE CORP. | 11 | 7.500% | $585,000 | 0.0% |
| SUMMIT FUNDING, INC. | 11 | 6.375% | $425,000 | 8.3% |
| 21st Mortgage Corporation | 10 | 10.660% | $135,000 | 54.6% |
| SACRAMENTO Credit Union | 10 | 7.390% | $115,000 | 35.3% |
| RESICENTRAL, LLC | 10 | 6.625% | $510,000 | 0.0% |
| Zions Bancorporation, N.A. | 10 | 6.250% | $1,195,000 | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 58.6% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 16.7% |
| CANOPY MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 18.2% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 78.6% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 50.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ResMac, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORIA DEVELOPMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHTECHLENDING INC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of Marin | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SmartFi Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 54.6% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PACIFIC SERVICE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 70.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNCLE Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mirastar Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 81.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKED HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 211 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in El Dorado County
36 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| El Dorado Savings Bank, F.S.B. | 10 | $747.7 million |
| Wells Fargo Bank, National Association | 7 | $1.1 billion |
| JPMorgan Chase Bank, National Association | 5 | $713.7 million |
| Bank of America, National Association | 5 | $591.9 million |
| U.S. Bank National Association | 3 | $473.6 million |
| Columbia Bank | 3 | $226.0 million |
| BMO Bank National Association | 1 | $103.8 million |
| Mechanics Bank | 1 | $64.6 million |
| River City Bank | 1 | $35.2 million |
Get told when this changes
When the next year’s lending figures are out for El Dorado 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.