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Mortgage lending in Sacramento County, California

Lenders in Sacramento County, California reported 49,160 mortgage applications for 2025, according to the CFPB.

49,160 mortgage applications and 28,766 loans originated in 2025; the denial rate was 20.9% of 38,820 applications decided. The median loan was about $365,000. 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.

49,160
Applications
28,766
Loans originated
20.9%
Denial rate
8,119 denied of 38,820 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Sacramento County, California, by year
YearApplicationsOriginated
202549,16028,766
202445,14626,134
202338,06421,330
202268,45339,611
2021142,79193,824
2020146,54095,337
201993,86058,156
201873,78142,979

The largest lenders here

Lenders in Sacramento County, California by loans originated, 2025
LenderOriginatedApplications
United Wholesale Mortgage4,3505,744
Rocket Mortgage2,4673,335
The Golden 1 Credit Union1,7243,161
The Loan Store, Inc9631,266
Lennar Mortgage, LLC8381,114
Schoolsfirst Fcu7631,028
loanDepot.com LLC6881,071
Guild Mortgage Company659938
Pennymac Loan Services LLC591966
US Bank, N.A.5251,064
American Pacific Mortgage Corporation499657
Kind Lending, LLC493746
Bank of America NA4781,363
SAFE Credit Union456669
Spring Eq, LLC4161,178
Taylor Morrison Home Funding, Inc.338560
Nationstar Mortgage337503
KBHS Home Loans, LLC331527
JPMorgan Chase Bank, NA317509
Newrez LLC275766
Paramount Residential Mortgage254368
Figure Lending LLC245454
Crosscountry Mortgage, LLC244420
CMG Mortgage Inc213385
Freedom Mortgage Corporation212580

Applications by race, ethnicity and sex, 2025

By race, Sacramento County, California: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native55631.3% of 431 decided
Asian9,52819.7% of 7,483 decided
Black or African American3,16928.8% of 2,440 decided
Native Hawaiian or Other Pacific Islander56432.6% of 414 decided
White20,41718.8% of 16,638 decided
2 or more minority races28427.0% of 230 decided
Joint1,79314.9% of 1,459 decided
Free Form Text Only15no rate: base under 50
Race Not Available12,83423.2% of 9,714 decided
By ethnicity, Sacramento County, California: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino6,69724.3% of 5,363 decided
Not Hispanic or Latino29,13019.6% of 23,281 decided
Joint1,99616.1% of 1,606 decided
Ethnicity Not Available11,31523.2% of 8,558 decided
Free Form Text Only22no rate: base under 50
By sex, Sacramento County, California: applications and denial rate
CategoryApplicationsDenial rate
Male15,19423.4% of 12,011 decided
Female11,99623.2% of 9,552 decided
Joint16,45216.0% of 13,320 decided
Sex Not Available5,51824.6% of 3,937 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

Sources

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