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El Dorado County, California · 2025

Mortgage lenders in El Dorado County, CA: denial rates and top lenders (2025)

404 lenders acted on 8,087 mortgage applications for properties in El Dorado County in 2025. 16.3% were denied (California: 17.4%). Median rate on closed loans 6.74%; median loan $345,000; median property value $705,000.

8.1kApplications
16.3%Denial ratestate 17.4%
6.74%Median ratestate 6.63%
$345,000Median loan
$705,000Median property value

Largest lenders in El Dorado County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 923711 7.8%6.50%
2 Rocket Mortgage C 571425 13.7%6.63%
3 The Golden 1 D 387202 35.7%7.81%
4 U.S. Bank D 280133 30.0%7.00%
5 Bank of America F 275115 26.2%5.99%
6 The Loan Store B 207151 9.2%6.63%
7 Guild Mortgage A 206144 1.5%6.50%
8 Spring Eq D 18765 42.3%8.83%
9 Pennymac Loan Services C 182109 13.2%6.50%
10 Schoolsfirst A 170130 9.4%6.25%
11 Newrez D 14566 13.1%6.63%
12 El Dorado Savings Bank D 14389 23.8%—
13 Loandepot.Com D 11866 17.8%6.75%
14 American Pacific Mortgage C 10771 5.6%6.75%
15 Crosscountry Mortgage B 10167 2.0%6.88%
16 Figure Lending C 10155 22.8%8.95%
17 Lennar Mortgage A 9677 2.1%4.99%
18 Kind Lending C 9566 21.1%6.75%
19 JPMorgan Chase Bank B 9356 15.1%6.49%
20 Wells Fargo Bank B 8440 19.1%6.06%
21 Coastal Community Bank C 8415 3.6%11.99%
22 CMG Mortgage A 7956 2.5%6.63%
23 Freedom Mortgage B 7634 5.3%6.19%
24 Broker Solutions D 7623 9.2%6.90%
25 Guaranteed Rate B 6730 0.0%6.75%

Best approval odds in El Dorado County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Guild Mortgage1601.9%
2Lennar Mortgage792.5%
3Crosscountry Mortgage712.8%
4CMG Mortgage702.9%
5Coastal Community Bank555.5%
6American Pacific Mortgage777.8%
7United Shore Financial Services8029.0%
8The Loan Store18710.2%
9Schoolsfirst14710.9%
10Rocket Mortgage51515.2%

What El Dorado County borrowers applied for

By loan purpose

Home purchase 3,244 40% · 7.4% denied
Refinance 1,326 16% · 14.9% denied
Cash-out refinance 1,483 18% · 19.4% denied
Home improvement 1,049 13% · 28.8% denied
Other / HELOC 985 12% · 29.3% denied

By loan type

Conventional 6,927 86% · 16.5% denied
FHA 702 9% · 17.0% denied
VA 450 6% · 11.3% denied
USDA / RHS 8 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 443 34%
Collateral 227 17%
Credit history 194 15%
Incomplete application 189 14%
Other 129 10%
Unverifiable information 81 6%
Insufficient cash 36 3%
Employment history 9 1%

El Dorado County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,1123,55218.7%7.00%$305,000
20246,9744,07617.7%6.99%$315,000
20258,0874,77116.3%6.74%$345,000

Frequently asked questions

16.3% of applications in El Dorado County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 923 applications in 2025 and a denial rate of 7.8%.

The median mortgage application in El Dorado County in 2025 was for $345,000; the median property value on originated loans was $705,000.