What people paid for mortgages in Sacramento County, CA (2025)
Across 12,244 closed home-purchase loans in 2025, the median interest rate in Sacramento was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $7,234 on a median loan of $465,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $7,234
- Median loan amount
- $465,000
12,244 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,222
- Median loan amount
- $425,000
5,078 loans, 2025.
Lowest median rates in Sacramento (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.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.4.75%164 loans, median costs $6,269
- 2.LENNAR MORTGAGE, LLC4.99%662 loans, median costs $7,197
- 3.UNIVERSAL LENDING CORPORATION4.99%122 loans, median costs $5,429
- 4.DHI MORTGAGE COMPANY, LTD.4.99%30 loans, median costs $10,791
- 5.HOMEAMERICAN MORTGAGE CORPORATION4.999%61 loans, median costs $5,043
Among lenders with at least 30 closed purchase loans in Sacramento County in 2025.
Refinance
- 1.LAKEVIEW LOAN SERVICING, LLC5.875%49 loans, median costs $8,666
- 2.SCHOOLSFIRST5.875%42 loans, median costs $2,813
- 3.Mortgage Research Center, LLC5.875%31 loans, median costs $4,758
- 4.GoodLeap, LLC5.875%31 loans, median costs $9,950
- 5.Rocket Mortgage, LLC5.99%643 loans, median costs $6,343
Among lenders with at least 30 closed refinance loans in Sacramento County in 2025.
Lender by lender in Sacramento
Every lender that closed at least 5 qualifying loans in Sacramento 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 | 2,390 | 6.499% | $8,278 | $3,204 | $3,077 |
| 2 | Rocket Mortgage, LLC | 940 | 6.5% | $6,342 | $2,771 | $2,400 |
| 3 | LENNAR MORTGAGE, LLC | 662 | 4.99% | $7,197 | $2,035 | $6,894 |
| 4 | THE LOAN STORE, INC.broker only | 480 | 6.375% | $6,374 | $2,337 | $2,493 |
| 5 | AMERICAN PACIFIC MORTGAGE CORPORATION | 395 | 6.625% | $8,131 | $5,425 | $3,634 |
| 6 | GUILD MORTGAGE COMPANY | 386 | 6.625% | $9,249 | $4,964 | $3,564 |
| 7 | Loandepot.Com, LLC | 338 | 6.125% | $6,416 | $1,595 | $6,170 |
| 8 | Taylor Morrison Home Funding, Inc. | 313 | 6.25% | $4,781 | $125 | $5,547 |
| 9 | KIND LENDING, LLC | 307 | 6.5% | $11,554 | $4,699 | $2,407 |
| 10 | KBHS HOME LOANS, LLC | 301 | 6.25% | $11,656 | $3,848 | $7,886 |
| 11 | PENNYMAC LOAN SERVICES, LLC | 237 | 6.499% | $6,391 | $1,933 | $2,840 |
| 12 | U.S. Bank National Association | 219 | 6.375% | $5,639 | $2,175 | $3,036 |
| 13 | THE GOLDEN 1 | 195 | 6.25% | $4,629 | $1,389 | $1,871 |
| 14 | Paramount Residential Mortgage Group, Inc. | 174 | 6.438% | $10,508 | $3,017 | $1,714 |
| 15 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 164 | 4.75% | $6,269 | $1,800 | $17,045 |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 164 | 6.375% | $9,271 | $3,828 | $3,576 |
| 17 | Sierra Pacific Mortgage Company, Inc. | 156 | 6.5% | $14,038 | $8,483 | $2,456 |
| 18 | CMG MORTGAGE, INC. | 123 | 6.5% | $6,837 | $2,636 | $1,456 |
| 19 | UNIVERSAL LENDING CORPORATION | 122 | 4.99% | $5,429 | $1,585 | $3,898 |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 116 | 6.375% | $5,276 | $1,125 | $2,205 |
| 21 | Mortgage Research Center, LLC | 103 | 6.25% | $4,997 | $0 | $1,671 |
| 22 | JPMorgan Chase Bank, National Association | 102 | 6.375% | $3,067 | $650 | $2,655 |
| 23 | CANOPY MORTGAGE, LLC | 99 | 6.625% | $8,429 | $3,629 | $3,213 |
| 24 | NEWREZ LLC | 95 | 6.5% | $6,824 | $1,828 | $1,522 |
| 25 | Bank of America, National Association | 94 | 6% | $4,069 | $1,445 | $3,847 |
| 26 | ZILLOW HOME LOANS, LLC | 83 | 6.5% | $6,164 | $2,839 | $3,590 |
| 27 | Wells Fargo Bank, National Association | 81 | 6.375% | $5,613 | $1,620 | $3,856 |
| 28 | SUMMIT FUNDING, INC. | 79 | 6.75% | $11,263 | $7,175 | $4,952 |
| 29 | TRIAD FINANCIAL SERVICES, INC. | 74 | 8.795% | n/a | n/a | n/a |
| 30 | MOVEMENT MORTGAGE, LLC | 73 | 6.5% | $7,622 | $2,435 | $2,670 |
| 31 | OCMBC, INC. | 68 | 6.5% | $12,472 | $6,454 | $2,341 |
| 32 | GUARANTEED RATE AFFINITY, LLC | 66 | 6.6% | $5,141 | $1,640 | $2,147 |
| 33 | SCHOOLSFIRST | 66 | 6.312% | $3,141 | $0 | $3,300 |
| 34 | Broker Solutions, Inc. | 65 | 6.875% | $9,348 | $3,813 | $3,405 |
| 35 | GUARANTEED RATE, INC. | 65 | 6.575% | $5,551 | $1,640 | $2,642 |
| 36 | Tripointe Connect, LLC | 63 | 5.49% | $6,358 | $1,490 | $13,199 |
| 37 | TOLL BROTHERS MORTGAGE COMPANY | 63 | 6.49% | $5,907 | $1,675 | $6,188 |
| 38 | SCENIC OAKS FUNDING, LLC | 63 | 6.625% | $8,557 | $5,200 | $5,357 |
| 39 | HOMEAMERICAN MORTGAGE CORPORATION | 61 | 4.999% | $5,043 | $0 | $11,209 |
| 40 | CLM MORTGAGE, INC. | 60 | 6.25% | $8,310 | $5,251 | $8,094 |
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 Sacramento figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Sacramento County in 2025?
The median interest rate on closed home-purchase loans in Sacramento County, California in 2025 was 6.375%, across 12,244 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% 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.