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refinance lenders · HMDA 2023–2025

Refinance lenders in Sacramento County, California

Fat Boy Data analyzed mortgage refinance activity in Sacramento County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 9,172 applications were decided by 358 lenders between 2023 and 2025.

Sacramento County at a glance

358Active lenders64 with 20+ decisions
76.6%Market approval rate7,028 of 9,172 decided
$465KTypical loanmedian lender, $10K brackets
92%Borrower take-up6,477 loans funded

How Sacramento County compares

Approval rate compared
Sacramento County76.6%California76.7%All 616 counties76.5%
Typical loan compared
Sacramento County$465KCalifornia$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Sacramento County, CA, 595 of them.

Hightechlending Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 34.

The typical mortgage refinance here is $465K, 29% smaller than the California typical of $655K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 9% approved of 32Discover Bank: 31% approved of 237Homebridge Financial Services, Inc.: 39% approved of 36Carrington Mortgage Services, LLC: 39% approved of 28Pentagon Federal Credit Union: 45% approved of 44Lakeview Loan Servicing, LLC: 46% approved of 367Spring Eq, LLC: 48% approved of 124Better Mortgage Corporation: 52% approved of 27Mortgage Research Center, LLC: 52% approved of 84Tri Counties Bank: 53% approved of 34Bank of America, National Association: 54% approved of 396Fremont Bank: 55% approved of 44Third Federal Savings And Loan Association Of Cleveland: 55% approved of 125Kind Lending, LLC: 59% approved of 64PNC Bank, National Association: 59% approved of 64The Golden 1: 62% approved of 124Sierra Central Credit Union: 63% approved of 46Newrez LLC: 64% approved of 132Wells Fargo Bank, National Association: 65% approved of 68LoanUnited.com, LLC: 69% approved of 26Flagstar Bank, National Association: 71% approved of 34Columbia Bank: 71% approved of 48SACRAMENTO Credit Union: 72% approved of 65Onity Mortgage Corporation: 75% approved of 68Royal United Mortgage LLC: 75% approved of 28American Pacific Mortgage Corporation: 78% approved of 82New American Funding, LLC: 78% approved of 41Rocket Mortgage, LLC: 79% approved of 782Patelco Credit Union: 80% approved of 70Sierra Pacific Mortgage Company, Inc.: 80% approved of 25Longbridge Financial, LLC: 80% approved of 41Loandepot.Com, LLC: 83% approved of 131Sage Home Loans Corporation: 84% approved of 32El Dorado Savings Bank, F.S.B.: 84% approved of 45Alliant Credit Union: 85% approved of 53Zions Bancorporation, N.A.: 85% approved of 60U.S. Bank National Association: 85% approved of 156Sun West Mortgage Company, Inc.: 85% approved of 75United Wholesale Mortgage, LLC: 85% approved of 2,075Pennymac Loan Services, LLC: 86% approved of 187Ladera Lending, Inc.: 86% approved of 28Nationstar Mortgage LLC: 87% approved of 97Finance of America Reverse LLC: 88% approved of 106Mutual of Omaha Mortgage, Inc.: 90% approved of 87Crosscountry Mortgage, LLC: 90% approved of 51Village Capital & Investment LLC: 91% approved of 116Lendage, LLC: 91% approved of 34The Loan Store, Inc.: 91% approved of 115Intelliloan, Inc.: 91% approved of 23Planet Home Lending, LLC: 91% approved of 47JPMorgan Chase Bank, National Association: 92% approved of 107Provident Funding Associates, L.P.: 92% approved of 85Cmg Mortgage, Inc.: 93% approved of 73Freedom Mortgage Corporation: 95% approved of 233First U.S. Community Credit Union: 96% approved of 24Paramount Residential Mortgage Group, Inc.: 96% approved of 27Movement Mortgage, LLC: 97% approved of 29Guild Mortgage Company LLC: 97% approved of 126Hightechlending Inc: 100% approved of 34Guaranteed Rate, Inc.: 100% approved of 30

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Sacramento County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only85%1,774 / 2,07596%$475K1,704
2Rocket Mortgage, LLC79%621 / 78296%$465K595
3Bank of America, National Association54%214 / 39698%$155K209
4Lakeview Loan Servicing, LLC46%167 / 36743%$495K71
5Discover Bank31%74 / 23796%$105K71

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 353 more lenders.

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Other lending data for Sacramento County

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Nearby markets

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