Home purchase lenders in El Dorado County
2,285 home purchase mortgages were made in El Dorado County, California, in 2025, by 297 lenders. The median rate their borrowers got was 6.500% on a median loan of $485,000. Of 2,631 decisions, 240 were denials — 9.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 421 | 6.619% | $495,000 | 4.2% |
| Rocket Mortgage, LLC | 163 | 6.550% | $505,000 | 9.8% |
| GUILD MORTGAGE COMPANY | 111 | 6.500% | $395,000 | 1.6% |
| THE LOAN STORE, INC. | 109 | 6.490% | $475,000 | 4.8% |
| LENNAR MORTGAGE, LLC | 77 | 4.990% | $355,000 | 2.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 64 | 6.750% | $465,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 6.500% | $585,000 | 14.9% |
| U.S. Bank National Association | 55 | 6.375% | $785,000 | 15.9% |
| KIND LENDING, LLC | 49 | 6.625% | $485,000 | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 47 | 6.950% | $485,000 | 2.0% |
| CMG MORTGAGE, INC. | 37 | 6.625% | $445,000 | 2.1% |
| Bank of America, National Association | 30 | 5.995% | $755,000 | 14.3% |
| Wells Fargo Bank, National Association | 30 | 6.000% | $600,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 30 | 6.433% | $470,000 | 15.8% |
| NEWREZ LLC | 29 | 6.375% | $485,000 | 9.4% |
| Paramount Residential Mortgage Group, Inc. | 28 | 6.500% | $545,000 | 0.0% |
| GUARANTEED RATE, INC. | 24 | 6.933% | $430,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.550% | $105,000 | 25.5% |
| Loandepot.Com, LLC | 23 | 6.500% | $435,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 20 | 6.688% | $485,000 | 4.8% |
| ZILLOW HOME LOANS, LLC | 19 | 6.375% | $475,000 | 5.0% |
| SCENIC OAKS FUNDING, LLC | 19 | 6.875% | $415,000 | 0.0% |
| Mortgage Research Center, LLC | 19 | 5.990% | $535,000 | 9.5% |
| MORTGAGEONE, INC. | 17 | 6.750% | $415,000 | 5.6% |
| THE GOLDEN 1 | 16 | 6.188% | $385,000 | 15.8% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 16 | 6.625% | $445,000 | 5.9% |
| Broker Solutions, Inc. | 15 | 6.875% | $375,000 | 6.3% |
| UNION HOME MORTGAGE CORP. | 15 | 6.375% | $455,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 14 | 6.990% | $465,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 14 | 6.000% | $725,000 | 6.7% |
| Kiavi Funding, Inc. | 13 | 10.000% | $465,000 | 7.1% |
| OCMBC, INC. | 13 | 6.999% | $525,000 | 0.0% |
| STG MORTGAGE INC | 13 | 6.625% | $435,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.625% | $615,000 | 7.1% |
| JMAC LENDING, INC. | 12 | 6.563% | $515,000 | 0.0% |
| UNIVERSAL LENDING CORPORATION | 11 | 6.000% | $805,000 | 8.3% |
| Umpqua Bank | 11 | 6.500% | $405,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.438% | $595,000 | 17.7% |
| El Dorado Savings Bank, F.S.B. | 10 | Not published | $460,000 | 35.3% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.563% | $465,000 | 44.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.250% | $385,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.438% | $310,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.688% | $525,000 | 9.1% |
| Plains Commerce Bank | 10 | 6.875% | $430,000 | 0.0% |
| SUMMIT FUNDING, INC. | 10 | 6.500% | $435,000 | 0.0% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Synergy One Lending, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SCHOOLSFIRST | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 63.2% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 6 | Under 10 loans | Under 10 loans | 57.1% |
| 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% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORIA DEVELOPMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 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% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Patelco Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ENTERTAINMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 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% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 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% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKED HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 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 97 lenders each made 1 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.