California · HMDA 2025
Mortgage lenders in Sacramento County, CA
573 lenders reported 56,166 home-loan applications in Sacramento County in 2025. 28,766 closed as loans ($11.5B), 8,119 were denied — a 20.9% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 22% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 56,166
- Loans originated
- 28,766
- Purchase / refinance
- 14,490 / 8,840
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Sacramento County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 5,759 | 10.3% | — |
| 2 | Rocket Mortgage, LLC | 3,382 | 6.0% | — |
| 3 | THE GOLDEN 1 | 3,161 | 5.6% | — |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2,042 | 3.6% | 14.1% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 1,950 | 3.5% | — |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 1,388 | 2.5% | 44.7% |
| 7 | THE LOAN STORE, INC. | 1,266 | 2.3% | — |
| 8 | SPRING EQ, LLC | 1,210 | 2.2% | — |
| 9 | LAKEVIEW LOAN SERVICING, LLC | 1,156 | 2.1% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 1,120 | 2.0% | 39.5% |
| 11 | LENNAR MORTGAGE, LLC | 1,117 | 2.0% | — |
| 12 | NEWREZ LLC | 1,095 | 1.9% | — |
| 13 | Loandepot.Com, LLC | 1,071 | 1.9% | — |
| 14 | SCHOOLSFIRST | 1,036 | 1.8% | — |
| 15 | GUILD MORTGAGE COMPANY | 995 | 1.8% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 964 | 1.7% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 857 | 1.5% | — |
| 18 | FIGURE LENDING LLC | 786 | 1.4% | — |
| 19 | KIND LENDING, LLC | 748 | 1.3% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 745 | 1.3% | 3.0% |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 673 | 1.2% | — |
| 22 | SAFE Credit Union 71 out of 100, Strong | 671 | 1.2% | 10.1% |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 658 | 1.2% | — |
| 24 | GUARANTEED RATE, INC. | 631 | 1.1% | — |
| 25 | Taylor Morrison Home Funding, Inc. | 560 | 1.0% | — |
| 26 | KBHS HOME LOANS, LLC | 527 | 0.9% | — |
| 27 | Broker Solutions, Inc. | 466 | 0.8% | — |
| 28 | CMG MORTGAGE, INC. | 457 | 0.8% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 422 | 0.8% | — |
| 30 | PHH Mortgage Corporation | 416 | 0.7% | — |
| 31 | Paramount Residential Mortgage Group, Inc. | 394 | 0.7% | — |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 391 | 0.7% | 22.2% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 371 | 0.7% | 32.9% |
| 34 | Patelco Credit Union 60 out of 100, Moderate | 370 | 0.7% | 16.7% |
| 35 | AmeriSave Mortgage Corporation | 364 | 0.6% | — |
| 36 | Mortgage Research Center, LLC | 346 | 0.6% | — |
| 37 | Discover Bank | 322 | 0.6% | — |
| 38 | Kiavi Funding, Inc. | 303 | 0.5% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 301 | 0.5% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 278 | 0.5% | — |
Top 40 of 573 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
- 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
- Ventura County 24,690 apps