Largest lenders in Placer County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 2,008 | 1,552 | 9.5% | 6.50% |
| 2 | Rocket Mortgage | C | 1,025 | 773 | 14.4% | 6.75% |
| 3 | The Golden 1 | D | 909 | 512 | 30.0% | 7.88% |
| 4 | Bank of America | F | 590 | 240 | 31.0% | 6.13% |
| 5 | U.S. Bank | D | 581 | 293 | 31.3% | 6.99% |
| 6 | The Loan Store | B | 518 | 392 | 6.2% | 6.63% |
| 7 | SAFE Credit Union | A | 461 | 363 | 6.9% | 5.88% |
| 8 | Pennymac Loan Services | C | 446 | 305 | 11.0% | 6.38% |
| 9 | Spring Eq | D | 403 | 161 | 46.2% | 8.93% |
| 10 | Loandepot.Com | D | 370 | 232 | 12.7% | 6.38% |
| 11 | Coastal Community Bank | C | 334 | 67 | 2.4% | 9.24% |
| 12 | Newrez | D | 281 | 131 | 10.3% | 6.50% |
| 13 | Guild Mortgage | A | 262 | 176 | 1.9% | 6.63% |
| 14 | Lennar Mortgage | A | 253 | 194 | 5.1% | 4.99% |
| 15 | Dhi Mortgage Company | B | 250 | 175 | 8.4% | 5.38% |
| 16 | Schoolsfirst | A | 250 | 199 | 7.2% | 5.99% |
| 17 | Crosscountry Mortgage | B | 227 | 146 | 4.4% | 6.63% |
| 18 | American Pacific Mortgage | C | 218 | 158 | 4.1% | 6.88% |
| 19 | Figure Lending | C | 207 | 97 | 19.8% | 9.10% |
| 20 | JPMorgan Chase Bank | B | 203 | 126 | 9.4% | 6.38% |
| 21 | Kind Lending | C | 203 | 140 | 20.2% | 6.63% |
| 22 | Broker Solutions | D | 189 | 83 | 7.9% | 6.99% |
| 23 | Paramount Residential Mortgage Group | B | 181 | 130 | 0.0% | 6.13% |
| 24 | Nationstar Mortgage | C | 179 | 114 | 16.2% | 8.50% |
| 25 | Freedom Mortgage | B | 173 | 62 | 9.3% | 5.75% |
Best approval odds in Placer County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 53 | 0.0% |
| 2 | Clm Mortgage | 84 | 0.0% |
| 3 | Paramount Residential Mortgage Group | 130 | 0.0% |
| 4 | Inspire Home Loans | 52 | 1.9% |
| 5 | Unnamed lender 254900YZ174H294JW398 | 98 | 2.0% |
| 6 | Homeamerican Mortgage | 137 | 2.2% |
| 7 | Guild Mortgage | 198 | 2.5% |
| 8 | Coastal Community Bank | 241 | 3.3% |
| 9 | Fairway Independent Mortgage | 57 | 3.5% |
| 10 | CMG Mortgage | 114 | 3.5% |
What Placer County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Placer County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 14,445 | 8,761 | 16.9% | 6.75% | $385,000 |
| 2024 | 16,397 | 10,053 | 16.2% | 6.88% | $385,000 |
| 2025 | 18,391 | 11,197 | 14.9% | 6.63% | $395,000 |
Frequently asked questions
14.9% of applications in Placer County were denied in 2025, against 17.4% statewide in California.
United Shore Financial Services, with 2,008 applications in 2025 and a denial rate of 9.5%.
The median mortgage application in Placer County in 2025 was for $395,000; the median property value on originated loans was $695,000.