What people paid for mortgages in Placer County, CA (2025)
Across 4,803 closed home-purchase loans in 2025, the median interest rate in Placer was 6.375%, and the middle half of borrowers got between 5.875% and 6.75%. Median total loan costs ran $6,706 on a median loan of $535,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $6,706
- Median loan amount
- $535,000
4,803 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $5,501
- Median loan amount
- $515,000
1,714 loans, 2025.
Lowest median rates in Placer (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.LENNAR MORTGAGE, LLC4.99%166 loans, median costs $5,861
- 2.DHI MORTGAGE COMPANY, LTD.4.99%119 loans, median costs $4,131
- 3.HOMEAMERICAN MORTGAGE CORPORATION4.999%119 loans, median costs $3,483
- 4.Tripointe Connect, LLC5.5%81 loans, median costs $6,868
- 5.Loandepot.Com, LLC5.75%119 loans, median costs $6,874
Among lenders with at least 30 closed purchase loans in Placer County in 2025.
Refinance
- 1.FREEDOM MORTGAGE CORPORATION5.75%44 loans, median costs $9,060
- 2.Rocket Mortgage, LLC5.99%202 loans, median costs $6,017
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%497 loans, median costs $5,867
- 4.PENNYMAC LOAN SERVICES, LLC6%59 loans, median costs $10,154
- 5.NEWREZ LLC6%37 loans, median costs $5,949
Among lenders with at least 30 closed refinance loans in Placer County in 2025.
Lender by lender in Placer
Every lender that closed at least 5 qualifying loans in Placer County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 824 | 6.5% | $7,810 | $3,193 | $3,217 |
| 2 | Rocket Mortgage, LLC | 272 | 6.5% | $6,118 | $2,434 | $2,190 |
| 3 | THE LOAN STORE, INC.broker only | 214 | 6.49% | $6,925 | $2,736 | $2,138 |
| 4 | LENNAR MORTGAGE, LLC | 166 | 4.99% | $5,861 | $1,835 | $9,588 |
| 5 | PENNYMAC LOAN SERVICES, LLC | 153 | 6.125% | $9,117 | $3,383 | $6,613 |
| 6 | SAFE Credit Union | 143 | 5.875% | $9,368 | $6,467 | $8,525 |
| 7 | HOMEAMERICAN MORTGAGE CORPORATION | 119 | 4.999% | $3,483 | $0 | $10,306 |
| 8 | DHI MORTGAGE COMPANY, LTD. | 119 | 4.99% | $4,131 | $0 | $5,483 |
| 9 | Loandepot.Com, LLC | 119 | 5.75% | $6,874 | $1,595 | $15,295 |
| 10 | AMERICAN PACIFIC MORTGAGE CORPORATION | 119 | 6.75% | $7,189 | $3,379 | $2,512 |
| 11 | Paramount Residential Mortgage Group, Inc. | 114 | 6.188% | $10,490 | $3,840 | $6,275 |
| 12 | U.S. Bank National Association | 105 | 6.125% | $6,177 | $1,665 | $3,120 |
| 13 | GUILD MORTGAGE COMPANY | 100 | 6.5% | $8,725 | $4,228 | $4,926 |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 85 | 6.575% | $9,556 | $4,595 | $5,853 |
| 15 | KIND LENDING, LLC | 84 | 6.375% | $11,282 | $2,252 | $1,711 |
| 16 | Tripointe Connect, LLC | 81 | 5.5% | $6,868 | $1,490 | $19,900 |
| 17 | CLM MORTGAGE, INC. | 74 | 6.125% | $9,992 | $4,340 | $9,579 |
| 18 | PULTE MORTGAGE LLC | 67 | 6.125% | $127 | $0 | $13,670 |
| 19 | NEWREZ LLC | 56 | 6.375% | $9,435 | $1,838 | $1,846 |
| 20 | KBHS HOME LOANS, LLC | 53 | 6% | $8,808 | $2,645 | $9,144 |
| 21 | CMG MORTGAGE, INC. | 53 | 6.625% | $7,411 | $2,424 | $2,688 |
| 22 | JPMorgan Chase Bank, National Association | 50 | 6.312% | $5,032 | $1,782 | $1,735 |
| 23 | THE GOLDEN 1 | 47 | 6.375% | $4,867 | $1,264 | $1,353 |
| 24 | PROVIDENT FUNDING ASSOCIATES, L.P. | 43 | 6.375% | $4,751 | $1,125 | $1,979 |
| 25 | Fairway Independent Mortgage Corporation | 42 | 6.625% | $8,022 | $3,852 | $3,407 |
| 26 | INSPIRE HOME LOANS INC. | 40 | 5.938% | $6,781 | $1,500 | $9,094 |
| 27 | Broker Solutions, Inc. | 39 | 6.625% | $12,047 | $5,655 | $4,793 |
| 28 | Wells Fargo Bank, National Association | 38 | 6.125% | $6,192 | $1,762 | $2,925 |
| 29 | GUARANTEED RATE, INC. | 37 | 6.5% | $5,412 | $1,640 | $1,923 |
| 30 | Mortgage Research Center, LLC | 34 | 6.125% | $4,019 | $35 | $1,180 |
| 31 | Taylor Morrison Home Funding, Inc. | 33 | 6.375% | $4,172 | $101 | $6,267 |
| 32 | JMAC LENDING, INC. | 30 | 6.125% | $11,225 | $3,705 | $6,054 |
| 33 | Bank of America, National Association | 29 | 6.125% | $5,817 | $1,655 | $2,579 |
| 34 | Sierra Pacific Mortgage Company, Inc. | 28 | 6.625% | $12,204 | $8,583 | $827 |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 6.375% | $5,495 | $1,858 | $10,029 |
| 36 | TRIAD FINANCIAL SERVICES, INC. | 25 | 8.78% | $15,879 | $12,004 | n/a |
| 37 | SCENIC OAKS FUNDING, LLC | 25 | 6.375% | $7,777 | $5,499 | $4,883 |
| 38 | Sunflower Bank, National Association | 24 | 6.625% | $5,710 | $1,595 | $926 |
| 39 | UNIVERSAL LENDING CORPORATION | 24 | 6.558% | $5,262 | $1,543 | $3,024 |
| 40 | MOVEMENT MORTGAGE, LLC | 24 | 6.625% | $5,298 | $1,840 | $1,922 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Placer figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Placer County in 2025?
The median interest rate on closed home-purchase loans in Placer County, California in 2025 was 6.375%, across 4,803 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.