Largest lenders in Amador County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 158 | 118 | 6.3% | 6.13% |
| 2 | Rocket Mortgage | C | 129 | 97 | 18.6% | 6.88% |
| 3 | The Golden 1 | D | 74 | 39 | 23.0% | 7.75% |
| 4 | Spring Eq | D | 51 | 16 | 51.0% | 9.50% |
| 5 | The Loan Store | B | 38 | 25 | 5.3% | 6.49% |
| 6 | Freedom Mortgage | B | 34 | 17 | 2.9% | 5.75% |
| 7 | Alameda Mortgage | B | 34 | 27 | 5.9% | 6.63% |
| 8 | U.S. Bank | D | 33 | 15 | 33.3% | 7.90% |
| 9 | Pennymac Loan Services | C | 31 | 8 | 29.0% | 6.69% |
| 10 | Bank of America | F | 30 | 10 | 36.7% | 6.56% |
| 11 | El Dorado Savings Bank | D | 30 | 16 | 23.3% | — |
| 12 | Triad Financial Services | D | 30 | 11 | 23.3% | 8.56% |
| 13 | Loandepot.Com | D | 29 | 18 | 24.1% | 6.81% |
| 14 | American Pacific Mortgage | C | 26 | 17 | 15.4% | 6.63% |
| 15 | Crosscountry Mortgage | B | 25 | 14 | 4.0% | 6.58% |
| 16 | Kind Lending | C | 24 | 19 | 12.5% | 6.13% |
| 17 | Guild Mortgage | A | 23 | 20 | 8.7% | 6.63% |
| 18 | Navy Federal Credit Union | D | 22 | 9 | 31.8% | 7.75% |
| 19 | Paramount Residential Mortgage Group | B | 22 | 19 | 0.0% | 6.13% |
| 20 | Prosperity Home Mortgage | A | 21 | 14 | 4.8% | 6.75% |
| 21 | Coastal Community Bank | C | 20 | 3 | 0.0% | 9.99% |
| 22 | Broker Solutions | D | 19 | 8 | 5.3% | 7.01% |
| 23 | Mortgage Research Center | C | 19 | 11 | 10.5% | 6.50% |
| 24 | Schoolsfirst | A | 19 | 10 | 26.3% | 6.75% |
| 25 | Newrez | D | 17 | 4 | 23.5% | 6.88% |
Best approval odds in Amador County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 134 | 7.5% |
| 2 | Rocket Mortgage | 121 | 19.8% |
| 3 | The Golden 1 | 57 | 29.8% |
What Amador County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Amador County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,297 | 753 | 19.1% | 6.99% | $245,000 |
| 2024 | 1,502 | 840 | 20.8% | 6.88% | $255,000 |
| 2025 | 1,577 | 901 | 17.6% | 6.63% | $255,000 |
Frequently asked questions
17.6% of applications in Amador County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 158 applications in 2025 and a denial rate of 6.3%.
The median mortgage application in Amador County in 2025 was for $255,000; the median property value on originated loans was $435,000.