Mortgage lenders in Nevada County
2,456 mortgages were made in Nevada County, California, in 2025, by 312 lenders. The median rate their borrowers got was 6.625% on a median loan of $375,000. Of 3,361 decisions, 722 were denials — 21.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 333 | 6.624% | $415,000 | 10.0% |
| THE LOAN STORE, INC. | 166 | 6.490% | $415,000 | 6.8% |
| Rocket Mortgage, LLC | 156 | 6.688% | $315,000 | 16.2% |
| Tri Counties Bank | 65 | 5.990% | $105,000 | 34.3% |
| Bank of America, National Association | 60 | 5.995% | $165,000 | 42.3% |
| GUILD MORTGAGE COMPANY | 58 | 6.625% | $465,000 | 3.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 6.875% | $385,000 | 12.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 55 | 6.990% | $455,000 | 5.2% |
| ALAMEDA MORTGAGE CORPORATION | 52 | 6.625% | $505,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 51 | 6.625% | $385,000 | 0.0% |
| KIND LENDING, LLC | 44 | 6.938% | $410,000 | 28.6% |
| U.S. Bank National Association | 43 | 6.625% | $765,000 | 44.9% |
| THE GOLDEN 1 | 43 | 7.750% | $125,000 | 43.7% |
| JPMorgan Chase Bank, National Association | 43 | 6.500% | $395,000 | 10.2% |
| PENNYMAC LOAN SERVICES, LLC | 39 | 6.624% | $525,000 | 14.3% |
| NATIONSTAR MORTGAGE LLC | 37 | 6.990% | $225,000 | 7.5% |
| SIERRA CENTRAL CREDIT UNION | 31 | 7.750% | $85,000 | 35.4% |
| SPRING EQ, LLC | 30 | 9.388% | $95,000 | 56.9% |
| BMO Bank National Association | 30 | 8.340% | $240,000 | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 29 | 6.625% | $355,000 | 19.4% |
| FIGURE LENDING LLC | 27 | 8.850% | $65,000 | 22.0% |
| Loandepot.Com, LLC | 27 | 6.990% | $265,000 | 23.7% |
| Synergy One Lending, Inc. | 26 | 6.875% | $550,000 | 3.7% |
| CMG MORTGAGE, INC. | 24 | 6.875% | $470,000 | 3.2% |
| Morgan Stanley Private Bank, National Association | 23 | 5.850% | $955,000 | 4.0% |
| Wells Fargo Bank, National Association | 22 | 5.813% | $810,000 | 18.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 21 | 7.375% | $345,000 | 21.4% |
| NEWREZ LLC | 20 | 6.438% | $475,000 | 34.4% |
| SCHOOLSFIRST | 19 | 5.740% | $105,000 | 25.9% |
| GUARANTEED RATE, INC. | 18 | 6.475% | $445,000 | 10.0% |
| El Dorado Savings Bank, F.S.B. | 18 | Not published | $150,000 | 9.1% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.000% | $395,000 | 17.4% |
| Navy Federal Credit Union | 16 | 6.563% | $395,000 | 37.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 16 | Not published | $180,000 | 27.3% |
| OriginPoint, LLC | 15 | 6.875% | $705,000 | 0.0% |
| Charles Schwab Bank, SSB | 15 | 5.375% | $895,000 | 0.0% |
| Broker Solutions, Inc. | 13 | 7.000% | $415,000 | 26.3% |
| Mortgage Research Center, LLC | 13 | 5.750% | $425,000 | 33.3% |
| Banner Bank | 13 | 6.990% | $105,000 | 51.8% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $125,000 | 38.1% |
| Firefighters First Federal Credit Union | 13 | 8.000% | $95,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 7.120% | $135,000 | 48.2% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.375% | $315,000 | 43.5% |
| SAFE Credit Union | 12 | 6.500% | $130,000 | 0.0% |
| ALLIANT CREDIT UNION | 11 | 7.750% | $155,000 | 42.1% |
| REDWOOD | 11 | 8.250% | $105,000 | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $395,000 | 0.0% |
| Coastal Community Bank | 10 | 9.740% | $100,000 | 4.8% |
| AmeriSave Mortgage Corporation | 10 | 8.500% | $55,000 | 68.8% |
| BETTER MORTGAGE CORPORATION | 10 | 7.063% | $410,000 | 33.3% |
| Flagstar Bank, N.A. | 10 | 6.563% | $285,000 | 44.4% |
| Fremont Bank | 10 | 8.625% | $125,000 | 23.1% |
| NEXERA HOLDING LLC | 10 | 7.250% | $370,000 | 9.1% |
| Kiavi Funding, Inc. | 10 | 10.450% | $420,000 | 9.1% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Patelco Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| STAR ONE Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SCENIC OAKS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Umpqua Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 47.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 10.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Provident Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank of Texas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SACRAMENTO Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VENTURA COUNTY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST NORTHERN CALIFORNIA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRAVIS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARROWHEAD CENTRAL 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% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 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% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, 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 112 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Nevada County
21 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | $551.9 million |
| JPMorgan Chase Bank, National Association | 3 | $476.9 million |
| Tri Counties Bank | 3 | $294.6 million |
| Bank of America, National Association | 2 | $467.2 million |
| BMO Bank National Association | 2 | $154.6 million |
| El Dorado Savings Bank, F.S.B. | 2 | $115.6 million |
| Westamerica Bank | 2 | $88.5 million |
| Plumas Bank | 1 | $123.3 million |
| U.S. Bank National Association | 1 | $113.6 million |
| River Valley Community Bank | 1 | $72.7 million |
| Banner Bank | 1 | $53.6 million |
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When the next year’s lending figures are out for Nevada 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.