Mortgage lending in El Dorado County, California
Lenders in El Dorado County, California reported 8,087 mortgage applications for 2025, according to the CFPB.
8,087 mortgage applications and 4,771 loans originated in 2025; the denial rate was 20.6% of 6,390 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area.
- 8,087
- Applications
- 4,771
- Loans originated
- 20.6%
- Denial rate
- 1,316 denied of 6,390 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,087 | 4,771 |
| 2024 | 6,974 | 4,076 |
| 2023 | 6,112 | 3,552 |
| 2022 | 10,981 | 6,686 |
| 2021 | 24,946 | 16,638 |
| 2020 | 26,440 | 17,657 |
| 2019 | 15,307 | 9,710 |
| 2018 | 12,004 | 7,190 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 711 | 923 |
| Rocket Mortgage | 425 | 571 |
| The Golden 1 Credit Union | 202 | 387 |
| The Loan Store, Inc | 151 | 207 |
| Guild Mortgage Company | 144 | 206 |
| US Bank, N.A. | 133 | 280 |
| Schoolsfirst Fcu | 130 | 170 |
| Bank of America NA | 115 | 275 |
| Pennymac Loan Services LLC | 109 | 182 |
| El Dorado Savings Bank | 89 | 143 |
| Lennar Mortgage, LLC | 77 | 96 |
| American Pacific Mortgage Corporation | 71 | 107 |
| Crosscountry Mortgage, LLC | 67 | 101 |
| loanDepot.com LLC | 66 | 118 |
| Newrez LLC | 66 | 145 |
| Kind Lending, LLC | 66 | 95 |
| Spring Eq, LLC | 65 | 187 |
| CMG Mortgage Inc | 56 | 79 |
| JPMorgan Chase Bank, NA | 56 | 93 |
| Figure Lending LLC | 55 | 101 |
| Wells Fargo Bank NA | 40 | 84 |
| Columbia Bank | 39 | 52 |
| Patelco Credit Union | 35 | 56 |
| Paramount Residential Mortgage | 34 | 41 |
| Freedom Mortgage Corporation | 34 | 76 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 69 | 27.8% of 54 decided |
| Asian | 439 | 20.0% of 345 decided |
| Black or African American | 65 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | 22 | no rate: base under 50 |
| White | 5,298 | 19.7% of 4,250 decided |
| 2 or more minority races | withheld | |
| Joint | 259 | 18.9% of 201 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,922 | 23.3% of 1,459 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 491 | 28.9% of 373 decided |
| Not Hispanic or Latino | 5,341 | 19.7% of 4,272 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,946 | 21.7% of 1,498 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,370 | 24.0% of 1,863 decided |
| Female | 1,474 | 23.9% of 1,177 decided |
| Joint | 3,376 | 15.8% of 2,719 decided |
| Sex Not Available | 867 | 25.2% of 631 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 93 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved