Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Sacramento County, California
Every institution that decided a 1–4 unit mortgage application in Sacramento County between 2023 and 2025: 89,907 applications, 68,707 loans actually funded, across 8 kinds of borrowing.
Sacramento County at a glance
89,907Applications decided
2023–2025
68,707Loans funded
76% of decisions
363Census tracts
52 ZIP codes
1,584,047People
ACS 2023
What the data shows
The typical purchase mortgage here is $445K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 911 applications.
Lending by loan type in Sacramento County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.4% | 43,771 | $445K | 96% | 512 |
| Home improvement loans | 64.5% | 12,711 | $85K | 92% | 179 |
| Cash-out refinance | 70.3% | 15,010 | $145K | 94% | 339 |
| Refinance | 76.6% | 9,172 | $465K | 92% | 358 |
| Investment property purchase | 89.3% | 5,266 | $355K | 96% | 305 |
| Investment cash-out refinance | 75.1% | 1,818 | $265K | 94% | 213 |
| Investment refinance | 79.3% | 1,248 | $355K | 92% | 193 |
| Investment home improvement | 57.3% | 911 | $115K | 93% | 98 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.