Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Placer County, California
Every institution that decided a 1–4 unit mortgage application in Placer County, home to Roseville, between 2023 and 2025: 33,704 applications, 26,883 loans actually funded, across 8 kinds of borrowing.
Placer County at a glance
33,704Applications decided
2023–2025
26,883Loans funded
80% of decisions
92Census tracts
24 ZIP codes
412,435People
ACS 2023
What the data shows
Lenders approved 91.6% of home-purchase applications in Placer County, 3.2 points above the California rate.
The typical purchase mortgage here is $515K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 304 applications.
Lending by loan type in Placer County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.6% | 16,992 | $515K | 96% | 425 |
| Home improvement loans | 68.8% | 4,608 | $105K | 92% | 151 |
| Cash-out refinance | 73.5% | 4,744 | $155K | 95% | 244 |
| Refinance | 78.1% | 3,521 | $525K | 95% | 279 |
| Investment property purchase | 89.9% | 2,412 | $435K | 97% | 260 |
| Investment cash-out refinance | 77.7% | 573 | $375K | 93% | 150 |
| Investment refinance | 80.5% | 550 | $445K | 94% | 150 |
| Investment home improvement | 49.3% | 304 | $135K | 93% | 68 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.