California · HMDA 2025
Mortgage lenders in El Dorado County, CA
403 lenders reported 9,079 home-loan applications in El Dorado County in 2025. 4,771 closed as loans ($2.1B), 1,316 were denied — a 20.6% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 21% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,079
- Loans originated
- 4,771
- Purchase / refinance
- 2,285 / 1,531
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in El Dorado County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 925 | 10.2% | — |
| 2 | Rocket Mortgage, LLC | 578 | 6.4% | — |
| 3 | THE GOLDEN 1 | 387 | 4.3% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 327 | 3.6% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 321 | 3.5% | 14.1% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 284 | 3.1% | 39.5% |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 283 | 3.1% | 44.7% |
| 8 | GUILD MORTGAGE COMPANY | 216 | 2.4% | — |
| 9 | THE LOAN STORE, INC. | 207 | 2.3% | — |
| 10 | NEWREZ LLC | 199 | 2.2% | — |
| 11 | SPRING EQ, LLC | 189 | 2.1% | — |
| 12 | SCHOOLSFIRST | 171 | 1.9% | — |
| 13 | FIGURE LENDING LLC | 155 | 1.7% | — |
| 14 | El Dorado Savings Bank, F.S.B. | 143 | 1.6% | — |
| 15 | Loandepot.Com, LLC | 118 | 1.3% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 117 | 1.3% | — |
| 17 | AMERICAN PACIFIC MORTGAGE CORPORATION | 107 | 1.2% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 104 | 1.1% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 102 | 1.1% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 101 | 1.1% | — |
| 21 | LENNAR MORTGAGE, LLC | 96 | 1.1% | — |
| 22 | CMG MORTGAGE, INC. | 95 | 1.0% | — |
| 23 | KIND LENDING, LLC | 95 | 1.0% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 94 | 1.0% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 88 | 1.0% | 22.2% |
| 26 | Coastal Community Bank 35 out of 100, Low | 84 | 0.9% | 3.0% |
| 27 | GUARANTEED RATE, INC. | 83 | 0.9% | — |
| 28 | Broker Solutions, Inc. | 76 | 0.8% | — |
| 29 | PHH Mortgage Corporation | 74 | 0.8% | — |
| 30 | Mortgage Research Center, LLC | 64 | 0.7% | — |
| 31 | BMO Bank National Association 83 out of 100, Strong | 62 | 0.7% | 40.5% |
| 32 | AmeriSave Mortgage Corporation | 61 | 0.7% | — |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 57 | 0.6% | — |
| 34 | Patelco Credit Union 60 out of 100, Moderate | 56 | 0.6% | 16.7% |
| 35 | Umpqua Bank 64 out of 100, Moderate | 52 | 0.6% | 28.5% |
| 36 | SAFE Credit Union 71 out of 100, Strong | 51 | 0.6% | 10.1% |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 50 | 0.6% | 32.9% |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 48 | 0.5% | — |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 48 | 0.5% | — |
| 40 | Paramount Residential Mortgage Group, Inc. | 47 | 0.5% | — |
Top 40 of 403 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps