Find a better mortgage lender

Sacramento County, California · 2025

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

579 lenders acted on 49,160 mortgage applications for properties in Sacramento County in 2025. 16.5% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $335,000; median property value $565,000.

49kApplications
16.5%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$335,000Median loan
$565,000Median property value

Largest lenders in Sacramento County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 5,7444,350 10.3%6.49%
2 Rocket Mortgage C 3,3352,467 15.1%6.75%
3 The Golden 1 D 3,1611,724 32.3%7.75%
4 Bank of America F 1,363478 40.1%6.24%
5 The Loan Store B 1,266963 5.8%6.63%
6 Spring Eq D 1,178416 47.5%9.24%
7 Lennar Mortgage A 1,114838 7.1%4.99%
8 Loandepot.Com D 1,071688 11.0%6.50%
9 U.S. Bank D 1,064525 32.7%6.88%
10 Schoolsfirst A 1,028763 12.8%6.74%
11 Pennymac Loan Services C 966591 12.3%6.62%
12 Guild Mortgage A 938659 2.5%6.63%
13 Newrez D 766275 19.3%6.63%
14 Kind Lending C 746493 21.9%6.50%
15 Coastal Community Bank C 745147 1.6%10.49%
16 SAFE Credit Union A 669456 9.0%5.49%
17 American Pacific Mortgage C 657499 4.6%6.63%
18 Freedom Mortgage B 580212 5.9%6.25%
19 Taylor Morrison Home Funding A 560338 9.8%6.25%
20 Kbhs Home Loans B 527331 5.1%6.25%
21 JPMorgan Chase Bank B 509317 8.8%6.38%
22 Nationstar Mortgage C 503337 14.5%8.63%
23 Lakeview Loan Servicing C 49189 53.0%6.25%
24 Broker Solutions D 466168 8.6%6.99%
25 Figure Lending C 454245 21.2%8.80%

Best approval odds in Sacramento County

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

#LenderDecidedDecision denial rate
1Clm Mortgage650.0%
2Nmsi780.0%
3Peak Residential Lending530.0%
4General Mortgage Capital890.0%
5Canopy Mortgage1220.0%
6Land Home Financial Services671.5%
7Premier Mortgage Resources502.0%
8Movement Mortgage1392.2%
9Merchants Mortgage & Trust Corporation892.3%
10Coastal Community Bank4832.5%

What Sacramento County borrowers applied for

By loan purpose

Home purchase 20,755 42% · 8.2% denied
Refinance 7,448 15% · 14.8% denied
Cash-out refinance 9,364 19% · 20.7% denied
Home improvement 5,281 11% · 28.0% denied
Other / HELOC 6,312 13% · 30.0% denied

By loan type

Conventional 40,341 82% · 16.8% denied
FHA 6,074 12% · 16.8% denied
VA 2,722 6% · 12.4% denied
USDA / RHS 23 0% · 8.7% denied

Why applications were denied

Debt-to-income ratio 2,810 35%
Credit history 1,372 17%
Incomplete application 1,200 15%
Collateral 1,082 13%
Other 770 10%
Unverifiable information 519 6%
Insufficient cash 278 3%
Employment history 69 1%
Mortgage insurance denied 1 0%

Sacramento County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202338,06421,33019.6%6.95%$305,000
202445,14626,13418.2%6.88%$315,000
202549,16028,76616.5%6.63%$335,000

Frequently asked questions

16.5% of applications in Sacramento County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 5,744 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Sacramento County in 2025 was for $335,000; the median property value on originated loans was $565,000.