Home purchase lenders in Sacramento County
14,489 home purchase mortgages were made in Sacramento County, California, in 2025, by 438 lenders. The median rate their borrowers got was 6.498% on a median loan of $445,000. Of 16,820 decisions, 1,705 were denials — 10.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,531 | 6.500% | $445,000 | 8.1% |
| Rocket Mortgage, LLC | 1,021 | 6.500% | $445,000 | 11.1% |
| LENNAR MORTGAGE, LLC | 838 | 4.990% | $495,000 | 8.6% |
| THE LOAN STORE, INC. | 600 | 6.490% | $435,000 | 3.2% |
| GUILD MORTGAGE COMPANY | 485 | 6.500% | $405,000 | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 425 | 6.625% | $425,000 | 3.9% |
| KIND LENDING, LLC | 390 | 6.375% | $405,000 | 23.0% |
| Loandepot.Com, LLC | 365 | 6.125% | $525,000 | 5.6% |
| Taylor Morrison Home Funding, Inc. | 338 | 6.250% | $575,000 | 14.0% |
| KBHS HOME LOANS, LLC | 331 | 6.250% | $525,000 | 7.5% |
| PENNYMAC LOAN SERVICES, LLC | 297 | 6.499% | $455,000 | 12.4% |
| U.S. Bank National Association | 248 | 6.375% | $480,000 | 14.4% |
| THE GOLDEN 1 | 218 | 6.250% | $420,000 | 17.9% |
| Paramount Residential Mortgage Group, Inc. | 215 | 6.375% | $435,000 | 3.2% |
| Kiavi Funding, Inc. | 188 | 9.950% | $355,000 | 6.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 175 | 4.750% | $525,000 | 7.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 170 | 6.413% | $465,000 | 1.7% |
| Sierra Pacific Mortgage Company, Inc. | 161 | 6.500% | $425,000 | 4.7% |
| CMG MORTGAGE, INC. | 154 | 6.500% | $430,000 | 3.2% |
| JPMorgan Chase Bank, National Association | 148 | 6.375% | $505,000 | 10.0% |
| UNIVERSAL LENDING CORPORATION | 127 | 4.990% | $575,000 | 3.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 121 | 6.375% | $475,000 | 7.4% |
| Bank of America, National Association | 110 | 6.000% | $365,000 | 40.2% |
| CANOPY MORTGAGE, LLC | 106 | 6.750% | $450,000 | 0.0% |
| Wells Fargo Bank, National Association | 103 | 6.375% | $435,000 | 12.7% |
| Mortgage Research Center, LLC | 103 | 6.250% | $435,000 | 8.7% |
| NEWREZ LLC | 101 | 6.500% | $505,000 | 3.8% |
| SUMMIT FUNDING, INC. | 99 | 6.625% | $415,000 | 1.0% |
| ZILLOW HOME LOANS, LLC | 90 | 6.500% | $425,000 | 5.1% |
| Broker Solutions, Inc. | 89 | 6.875% | $405,000 | 1.1% |
| OCMBC, INC. | 87 | 6.625% | $405,000 | 15.2% |
| MOVEMENT MORTGAGE, LLC | 85 | 6.500% | $435,000 | 1.0% |
| GUARANTEED RATE, INC. | 83 | 6.550% | $435,000 | 7.7% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 79 | 9.750% | $385,000 | 2.5% |
| TRIAD FINANCIAL SERVICES, INC. | 75 | 8.790% | $125,000 | 30.9% |
| GUARANTEED RATE AFFINITY, LLC | 73 | 6.600% | $425,000 | 7.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 73 | 4.999% | $545,000 | 5.2% |
| AMWEST FUNDING CORP. | 69 | 6.875% | $365,000 | 8.0% |
| 254900YZ174H294JW398 | 69 | 5.500% | $545,000 | 4.8% |
| Fairway Independent Mortgage Corporation | 68 | 6.375% | $425,000 | 1.4% |
| SCHOOLSFIRST | 67 | 6.250% | $455,000 | 1.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 65 | 6.490% | $445,000 | 8.8% |
| SCENIC OAKS FUNDING, LLC | 63 | 6.625% | $425,000 | 3.1% |
| CLM MORTGAGE, INC. | 63 | 6.250% | $585,000 | 0.0% |
| NMSI, INC. | 61 | 6.750% | $425,000 | 0.0% |
| JMAC LENDING, INC. | 56 | 6.250% | $445,000 | 5.1% |
| RESICENTRAL, LLC | 54 | 6.495% | $415,000 | 1.8% |
| General Mortgage Capital Corporation | 53 | 6.625% | $365,000 | 0.0% |
| Peak Residential Lending Inc | 51 | 6.375% | $425,000 | 0.0% |
| PULTE MORTGAGE LLC | 51 | 5.500% | $625,000 | 12.1% |
| East West Bank | 51 | 6.000% | $375,000 | 14.8% |
| ALAMEDA MORTGAGE CORPORATION | 50 | 6.625% | $400,000 | 3.9% |
| UNION HOME MORTGAGE CORP. | 50 | 6.125% | $435,000 | 1.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 47 | 6.500% | $445,000 | 9.4% |
| HOMEXPRESS MORTGAGE CORP. | 46 | 7.625% | $425,000 | 29.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 43 | 6.250% | $435,000 | 8.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 43 | 6.990% | $425,000 | 0.0% |
| BMO Bank National Association | 40 | 6.125% | $865,000 | 18.4% |
| PLAZA HOME MORTGAGE, INC. | 40 | 6.563% | $430,000 | 25.5% |
| Navy Federal Credit Union | 39 | 6.375% | $505,000 | 9.1% |
| 21st Mortgage Corporation | 38 | 10.670% | $115,000 | 69.4% |
| First-Citizens Bank & Trust Company | 38 | 6.125% | $340,000 | 5.0% |
| Commerce Home Mortgage, Inc. | 37 | 7.250% | $445,000 | 7.5% |
| NEW WAVE LENDING GROUP INC | 36 | 7.000% | $410,000 | 0.0% |
| SAFE Credit Union | 36 | 6.500% | $420,000 | 2.6% |
| BETTER MORTGAGE CORPORATION | 35 | 6.375% | $405,000 | 21.3% |
| SACRAMENTO Credit Union | 34 | 6.563% | $345,000 | 2.9% |
| DHI MORTGAGE COMPANY, LTD. | 33 | 4.990% | $405,000 | 10.8% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 32 | 6.624% | $425,000 | 11.1% |
| CHAMPIONS FUNDING, LLC | 31 | 7.500% | $345,000 | 16.2% |
| Plains Commerce Bank | 31 | 6.625% | $415,000 | 6.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 31 | 6.250% | $445,000 | 11.1% |
| Hometown Equity Mortgage, LLC | 30 | 7.500% | $465,000 | 34.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 30 | 5.715% | $810,000 | 14.3% |
| EVERETT FINANCIAL, INC. | 30 | 6.625% | $395,000 | 0.0% |
| NEXERA HOLDING LLC | 29 | 7.250% | $365,000 | 9.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 29 | 6.500% | $415,000 | 3.3% |
| STG MORTGAGE INC | 28 | 6.375% | $470,000 | 3.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | 6.250% | $365,000 | 3.5% |
| CONVENTUS LLC | 28 | 9.375% | $365,000 | 3.5% |
| GO MORTGAGE, LLC | 28 | 6.563% | $440,000 | 0.0% |
| Constant Investments, Inc. | 27 | 6.750% | $475,000 | 0.0% |
| Click n' Close, Inc. | 26 | 6.625% | $400,000 | 10.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 26 | 6.375% | $400,000 | 12.5% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 25 | 6.490% | $475,000 | 10.0% |
| GUIDANCE RESIDENTIAL, LLC | 25 | 6.875% | $465,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 24 | 6.625% | $435,000 | 7.7% |
| FREEDOM MORTGAGE CORPORATION | 24 | 6.125% | $405,000 | 14.3% |
| River City Bank | 24 | Not published | $35,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 23 | 6.500% | $385,000 | 3.3% |
| ENVOY MORTGAGE, LTD | 23 | 6.625% | $425,000 | 0.0% |
| FlexPoint, Inc. | 23 | 6.500% | $415,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 23 | 6.125% | $335,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 21 | 6.250% | $435,000 | 34.3% |
| Citibank, National Association | 21 | 6.375% | $505,000 | 16.0% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.875% | $435,000 | 8.7% |
| Fidelity Lending Solutions, Inc. | 21 | 6.875% | $345,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 20 | 8.950% | $100,000 | 44.4% |
| A&D Mortgage LLC | 20 | 6.433% | $460,000 | 8.7% |
| NATIONS DIRECT MORTGAGE, LLC | 20 | 6.490% | $450,000 | 13.0% |
| Tri Counties Bank | 20 | 6.875% | $385,000 | 8.3% |
| Ameris Bank | 20 | 6.370% | $435,000 | 4.8% |
| BAY EQUITY LLC | 19 | 6.625% | $385,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 19 | 6.125% | $435,000 | 17.4% |
| ROYAL PACIFIC FUNDING CORP. | 19 | 6.875% | $385,000 | 4.0% |
| GOOGAIN, INC. | 19 | 6.375% | $355,000 | 9.5% |
| Sunflower Bank, National Association | 19 | 6.875% | $435,000 | 0.0% |
| NexBank | 19 | 6.500% | $465,000 | 0.0% |
| TRAVIS CREDIT UNION | 18 | 6.109% | $620,000 | 5.3% |
| ALLIANT CREDIT UNION | 17 | 7.750% | $365,000 | 10.5% |
| Self-Help Federal Credit Union | 17 | 7.875% | $335,000 | 5.6% |
| Equity Prime Mortgage LLC | 16 | 6.188% | $425,000 | 5.9% |
| Morgan Stanley Private Bank, National Association | 16 | 6.075% | $760,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 15 | 7.250% | $355,000 | 0.0% |
| MLD MORTGAGE INC. | 15 | 6.490% | $365,000 | 0.0% |
| CAKE MORTGAGE CORP. | 15 | 7.625% | $375,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 14 | 6.188% | $460,000 | 5.0% |
| Citadel Servicing Corporation | 14 | 7.937% | $450,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 9.290% | $165,000 | 78.8% |
| Tomo Mortgage, LLC | 13 | 6.625% | $535,000 | 11.8% |
| Ukrainian Federal Credit Union | 13 | 6.500% | $365,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 13 | 6.500% | $445,000 | 7.1% |
| USAA Federal Savings Bank | 12 | 6.125% | $425,000 | 29.4% |
| Patelco Credit Union | 12 | 6.125% | $425,000 | 0.0% |
| Flagstar Bank, N.A. | 12 | 6.437% | $495,000 | 52.0% |
| NBKC BANK | 12 | 6.125% | $390,000 | 7.7% |
| DIRECTORS MORTGAGE, INC. | 12 | 6.625% | $420,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.625% | $420,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.750% | $685,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.250% | $465,000 | 7.1% |
| AAA CAPITAL INVESTMENT, INC. | 11 | 6.500% | $305,000 | 0.0% |
| Vellum Mortgage, Inc. | 11 | 6.990% | $415,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.500% | $605,000 | 9.1% |
| Fremont Bank | 10 | 7.250% | $400,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 10 | 7.438% | $475,000 | 0.0% |
| 549300YVM8B4UQC5DK40 | 10 | 6.625% | $430,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 6.250% | $550,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.500% | $700,000 | 0.0% |
| MORIA DEVELOPMENT, INC. | 10 | 6.813% | $380,000 | 0.0% |
| Zions Bancorporation, N.A. | 9 | Under 10 loans | Under 10 loans | 10.5% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| El Dorado Savings Bank, F.S.B. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 13.3% |
| CALCON MUTUAL MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 9 | Under 10 loans | Under 10 loans | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Royal Business Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Banner Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIED MORTGAGE GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| OriginPoint, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Boeing Employees Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cathay Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LINKED HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DATA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHEVRON Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 4 | 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 238 lenders each made 4 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.