SACRAMENTO - ROSEVILLE - FOLSOM Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sacramento - Roseville - Folsom averaged
6.71%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.64% and
one month ago for the week of 2025-05-15, the
average rate was 6.81%.
Sacramento - Roseville - Folsom's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.72%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Sacramento - Roseville - Folsom 30 Year Fixed Rate | 2025-06-18 | 6.71% |
| Sacramento - Roseville - Folsom 30 Year Fixed Rate Refi | 2025-06-18 | 6.72% |
| Sacramento - Roseville - Folsom 15 Year Fixed Rate | 2025-06-18 | 5.93% |
| Sacramento - Roseville - Folsom 15 Year Fixed Rate Refi | 2025-06-18 | 6.18% |
| Sacramento - Roseville - Folsom 30 Year FHA | 2025-06-18 | -0.2% |
| Sacramento - Roseville - Folsom 30 Year FHA Refi | 2025-06-18 | -0.69% |
| Sacramento - Roseville - Folsom 30 Year USDA | 2025-06-18 | -0.2% |
| Sacramento - Roseville - Folsom 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Sacramento - Roseville - Folsom 30 Year VA | 2025-06-18 | -0.08% |
| Sacramento - Roseville - Folsom 30 Year VA Refi | 2025-06-18 | -0.55% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SACRAMENTO-ROSEVILLE-FOLSOM, CA.
SACRAMENTO - ROSEVILLE - FOLSOM Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SACRAMENTO-ROSEVILLE-FOLSOM, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SACRAMENTO - ROSEVILLE - FOLSOM Average Closing Costs & Other Stats
SACRAMENTO-ROSEVILLE-FOLSOM, CA's 337 lenders originated 42,415
loans during 2024. The total origination value was $17,388,205,000, with an average loan value of
$409,954.
SACRAMENTO - ROSEVILLE - FOLSOM's average closing costs are $6,077.
The top SACRAMENTO - ROSEVILLE - FOLSOM lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
3,886 loans originated. Their average total fees are
$8,341, which is $1,305
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SACRAMENTO - ROSEVILLE - FOLSOM lenders (with over 10 loans originated) are
Fremont Bank ($966), HOMEAMERICAN MORTGAGE CORPORATION ($2,366), NBKC BANK ($3,289), SCHOOLSFIRST ($3,486) and Firefighters First Federal Credit Union ($3,494).
The lowest rate SACRAMENTO - ROSEVILLE - FOLSOM lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.37%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.73%), Charles Schwab Bank, SSB (5.88%), PULTE MORTGAGE LLC (5.95%) and Stifel Bank and Trust (6.03%).
SACRAMENTO-ROSEVILLE-FOLSOM, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $2,408,520,000 | $2,957,010,000 | 22.8% | 17.0% |
| QUICKEN LOANS, LLC | $1,030,315,000 | $1,298,175,000 | 26.0% | 7.5% |
| EAGLE HOME MORTGAGE, LLC | $675,095,000 | $777,840,000 | 15.2% | 4.5% |
| LOANDEPOT.COM, LLC | $423,890,000 | $519,290,000 | 22.5% | 3.0% |
| U.S. Bank | $404,980,000 | $462,055,000 | 14.1% | 2.7% |
| GUILD MORTGAGE COMPANY | $394,895,000 | $432,210,000 | 9.4% | 2.5% |
| JPMorgan Chase Bank | $323,930,000 | $367,020,000 | 13.3% | 2.1% |
| The Loan Store, Inc. | $54,605,000 | $345,770,000 | 533.2% | 2.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $328,035,000 | $341,175,000 | 4.0% | 2.0% |
| THE GOLDEN 1 | $284,930,000 | $310,155,000 | 8.9% | 1.8% |
| Wells Fargo Bank | $246,655,000 | $289,900,000 | 17.5% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $127,600,000 | $261,400,000 | 104.9% | 1.5% |
| Bank of America | $230,440,000 | $242,775,000 | 5.4% | 1.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $206,395,000 | $218,970,000 | 6.1% | 1.3% |
| Century Mortgage Company DBA Century Lending Company | $77,045,000 | $199,290,000 | 158.7% | 1.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | $144,260,000 | $192,635,000 | 33.5% | 1.1% |
| SAFE CREDIT UNION | $218,285,000 | $182,945,000 | -16.2% | 1.1% |
| BROKER SOLUTIONS, INC. | $81,020,000 | $170,345,000 | 110.3% | 1.0% |
| South Pacific Financial Corporation | $126,190,000 | $161,815,000 | 28.2% | 0.9% |
| KBHS HOME LOANS, LLC | $125,790,000 | $151,630,000 | 20.5% | 0.9% |
| WALKER & DUNLOP, LLC | $66,200,000 | $146,870,000 | 121.9% | 0.8% |
| Sierra Pacific Mortgage Company, Inc. | $156,200,000 | $141,095,000 | -9.7% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $115,115,000 | $140,640,000 | 22.2% | 0.8% |
| SCHOOLSFIRST | $103,440,000 | $137,525,000 | 33.0% | 0.8% |
| Flagstar Bank, FSB | $81,510,000 | $136,930,000 | 68.0% | 0.8% |
| NEWREZ LLC | $67,355,000 | $131,035,000 | 94.5% | 0.8% |
| ORIX REAL ESTATE CAPITAL, LLC | $78,905,000 | $130,340,000 | 65.2% | 0.7% |
| PNC Bank | $72,800,000 | $128,160,000 | 76.0% | 0.7% |
| BMO Harris Bank | $110,230,000 | $126,020,000 | 14.3% | 0.7% |
| DHI MORTGAGE COMPANY, LTD. | $138,840,000 | $123,720,000 | -10.9% | 0.7% |
| CMG MORTGAGE, INC. | $83,950,000 | $118,800,000 | 41.5% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $38,660,000 | $118,115,000 | 205.5% | 0.7% |
| LENDINGHOME FUNDING CORPORATION | $71,520,000 | $111,065,000 | 55.3% | 0.6% |
| GUARANTEED RATE, INC. | $76,780,000 | $106,485,000 | 38.7% | 0.6% |
| CBRE MULTIFAMILY CAPITAL, INC. | $78,395,000 | $104,220,000 | 32.9% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $123,480,000 | $99,335,000 | -19.6% | 0.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $74,215,000 | $97,270,000 | 31.1% | 0.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $102,200,000 | $96,415,000 | -5.7% | 0.6% |
| Citibank | $149,755,000 | $91,615,000 | -38.8% | 0.5% |
| Morgan Stanley Private Bank | $49,860,000 | $89,375,000 | 79.3% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $40,265,000 | $88,105,000 | 118.8% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $53,435,000 | $86,930,000 | 62.7% | 0.5% |
| ALAMEDA MORTGAGE CORPORATION | $51,050,000 | $85,205,000 | 66.9% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $62,100,000 | $83,775,000 | 34.9% | 0.5% |
| River City Bank | $18,910,000 | $80,060,000 | 323.4% | 0.5% |
| Mortgage Research Center, LLC | $56,605,000 | $79,350,000 | 40.2% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $78,460,000 | $75,700,000 | -3.5% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $64,525,000 | $70,620,000 | 9.4% | 0.4% |
| SUMMIT FUNDING, INC. | $134,585,000 | $69,840,000 | -48.1% | 0.4% |
| AMWEST FUNDING CORP. | $34,225,000 | $66,385,000 | 94.0% | 0.4% |
| First-Citizens Bank & Trust Company | $12,990,000 | $63,780,000 | 391.0% | 0.4% |
| PULTE MORTGAGE LLC | $23,995,000 | $60,600,000 | 152.6% | 0.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $28,895,000 | $59,465,000 | 105.8% | 0.3% |
| OCMBC, INC. | $28,415,000 | $57,910,000 | 103.8% | 0.3% |
| BERKELEY POINT CAPITAL LLC | $17,505,000 | $56,205,000 | 221.1% | 0.3% |
| PATELCO | $53,815,000 | $47,615,000 | -11.5% | 0.3% |
| CLM MORTGAGE, INC | $47,405,000 | n/a | 0.3% | |
| SCENIC OAKS FUNDING, INC. | $7,555,000 | $47,155,000 | 524.2% | 0.3% |
| Commerce Home Mortgage, Inc. | $65,115,000 | $44,785,000 | -31.2% | 0.3% |
| General Mortgage Capital Corporation | $23,645,000 | $44,610,000 | 88.7% | 0.3% |
| NMSI, INC. | $25,175,000 | $43,980,000 | 74.7% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $35,230,000 | $43,745,000 | 24.2% | 0.3% |
| INSPIRE HOME LOANS INC. | $13,850,000 | $43,595,000 | 214.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $30,575,000 | $43,200,000 | 41.3% | 0.2% |
| Umpqua Bank | $33,180,000 | $42,495,000 | 28.1% | 0.2% |
| Charles Schwab Bank, SSB | $24,715,000 | $41,845,000 | 69.3% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $37,170,000 | $40,360,000 | 8.6% | 0.2% |
| ZILLOW HOME LOANS, LLC | $7,290,000 | $40,040,000 | 449.2% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $42,065,000 | $39,560,000 | -6.0% | 0.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $53,315,000 | $38,575,000 | -27.6% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $37,200,000 | $37,650,000 | 1.2% | 0.2% |
| Equity Prime Mortgage LLC | $11,090,000 | $36,730,000 | 231.2% | 0.2% |
| Figure Lending LLC | $22,465,000 | $35,590,000 | 58.4% | 0.2% |
| Zions Bank | $46,315,000 | $34,720,000 | -25.0% | 0.2% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $33,110,000 | $34,610,000 | 4.5% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $20,575,000 | $34,410,000 | 67.2% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $54,475,000 | $34,290,000 | -37.1% | 0.2% |
| BAY EQUITY LLC | $41,540,000 | $33,795,000 | -18.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $5,830,000 | $33,220,000 | 469.8% | 0.2% |
| Grandbridge Real Estate Capital LLC | $34,795,000 | $33,150,000 | -4.7% | 0.2% |
| JMAC LENDING, INC. | $14,360,000 | $32,855,000 | 128.8% | 0.2% |
| ALLIANT CREDIT UNION | $30,960,000 | $32,810,000 | 6.0% | 0.2% |
| East West Bank | $32,060,000 | $32,755,000 | 2.2% | 0.2% |
| Tri Counties Bank | $43,840,000 | $32,535,000 | -25.8% | 0.2% |
| Discover Bank | $25,105,000 | $32,300,000 | 28.7% | 0.2% |
| NEXERA HOLDING LLC | $17,240,000 | $32,200,000 | 86.8% | 0.2% |
| GOOGAIN, INC. | $14,380,000 | $32,130,000 | 123.4% | 0.2% |
| SACRAMENTO Credit Union | $25,530,000 | $32,040,000 | 25.5% | 0.2% |
| AmeriHome Mortgage Company, LLC | $17,255,000 | $31,990,000 | 85.4% | 0.2% |
| Citadel Servicing Corporation | $13,940,000 | $31,330,000 | 124.7% | 0.2% |
| Banner Bank | $24,225,000 | $31,115,000 | 28.4% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $25,250,000 | $30,980,000 | 22.7% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $18,305,000 | $30,495,000 | 66.6% | 0.2% |
| Regions Bank | $30,105,000 | n/a | 0.2% | |
| Plains Commerce Bank | $23,885,000 | $29,500,000 | 23.5% | 0.2% |
| TBI MORTGAGE COMPANY | $15,570,000 | $28,880,000 | 85.5% | 0.2% |
| CANOPY MORTGAGE, LLC | $30,985,000 | $28,715,000 | -7.3% | 0.2% |
| Texas Capital Bank | $41,005,000 | $28,005,000 | -31.7% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $22,770,000 | $27,965,000 | 22.8% | 0.2% |
| Merchants Mortgage & Trust Corporation | $23,805,000 | $27,710,000 | 16.4% | 0.2% |
| BETTER MORTGAGE CORPORATION | $22,670,000 | $25,820,000 | 13.9% | 0.1% |
| Ameris Bank | $15,575,000 | $25,730,000 | 65.2% | 0.1% |
| NEW WAVE LENDING GROUP INC | $20,255,000 | $25,580,000 | 26.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $20,555,000 | $25,255,000 | 22.9% | 0.1% |
| ENVOY MORTGAGE, LTD | $15,725,000 | $24,730,000 | 57.3% | 0.1% |
| EVERETT FINANCIAL, INC. | $25,880,000 | $24,730,000 | -4.4% | 0.1% |
| Cornerstone First Mortgage, Inc | $4,275,000 | $24,480,000 | 472.6% | 0.1% |
| SPRING EQ, LLC | $15,140,000 | $24,325,000 | 60.7% | 0.1% |
| USAA Federal Savings Bank | $13,030,000 | $23,920,000 | 83.6% | 0.1% |
| Fremont Bank | $20,000,000 | $23,600,000 | 18.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $6,660,000 | $22,965,000 | 244.8% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $27,870,000 | $22,755,000 | -18.4% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $23,370,000 | $21,935,000 | -6.1% | 0.1% |
| Hometown Equity Mortgage, LLC | $6,215,000 | $21,730,000 | 249.6% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $22,075,000 | $21,420,000 | -3.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $10,360,000 | $21,385,000 | 106.4% | 0.1% |
| City National Bank | $11,450,000 | $21,280,000 | 85.9% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $20,005,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $5,025,000 | $19,740,000 | 292.8% | 0.1% |
| S1L, Inc. | $70,780,000 | $19,700,000 | -72.2% | 0.1% |
| NexBank | $17,025,000 | $19,530,000 | 14.7% | 0.1% |
| LOANPAL, LLC | $10,235,000 | $18,805,000 | 83.7% | 0.1% |
| Coastal Community Bank | $9,820,000 | $18,705,000 | 90.5% | 0.1% |
| NBKC BANK | $8,895,000 | $18,705,000 | 110.3% | 0.1% |
| FIRST TECHNOLOGY | $17,980,000 | $18,245,000 | 1.5% | 0.1% |
| Firefighters First Federal Credit Union | $15,645,000 | $18,195,000 | 16.3% | 0.1% |
| Carrington Mortgage Services, LLC | $17,720,000 | $17,860,000 | 0.8% | 0.1% |
| Constant Investments, Inc. | $17,395,000 | $17,710,000 | 1.8% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $2,140,000 | $17,520,000 | 718.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,025,000 | $17,270,000 | 1,584.9% | 0.1% |
| UBS Bank USA | $18,435,000 | $17,085,000 | -7.3% | 0.1% |
| PLANET HOME LENDING, LLC | $9,415,000 | $16,795,000 | 78.4% | 0.1% |
| Home Mortgage Alliance Corp | $16,710,000 | n/a | 0.1% | |
| Mechanics Bank | $3,345,000 | $16,595,000 | 396.1% | 0.1% |
| MORTGAGE EQUITY PARTNERS LLC | $2,495,000 | $16,580,000 | 564.5% | 0.1% |
| TJC Mortgage, Inc. | $18,795,000 | $15,990,000 | -14.9% | 0.1% |
| STAR ONE CREDIT UNION | $23,420,000 | $15,940,000 | -31.9% | 0.1% |
| Performance Financial, Inc. | $3,430,000 | $15,900,000 | 363.6% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $22,680,000 | $15,845,000 | -30.1% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $5,785,000 | $15,765,000 | 172.5% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $7,305,000 | $15,300,000 | 109.4% | 0.1% |
| Bank of Marin | $1,195,000 | $15,290,000 | 1,179.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $14,870,000 | $15,025,000 | 1.0% | 0.1% |
| PHH Mortgage Corporation | $11,995,000 | $14,430,000 | 20.3% | 0.1% |
| Goldman Sachs Bank USA | $5,510,000 | $14,365,000 | 160.7% | 0.1% |
| LENDSURE MORTGAGE CORP. | $9,080,000 | $14,295,000 | 57.4% | 0.1% |
| El Dorado Savings Bank, F.S.B. | $17,915,000 | $14,270,000 | -20.3% | 0.1% |
| TRAVIS CREDIT UNION | $17,085,000 | $14,225,000 | -16.7% | 0.1% |
| A&D Mortgage LLC | $7,240,000 | $13,905,000 | 92.1% | 0.1% |
| MICHIGAN MUTUAL, INC. | $12,350,000 | $13,850,000 | 12.1% | 0.1% |
| NFM, INC. | $16,765,000 | $13,330,000 | -20.5% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $42,185,000 | $13,225,000 | -68.6% | 0.1% |
| STANFORD Federal Credit Union | $6,625,000 | $12,530,000 | 89.1% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $10,535,000 | $12,490,000 | 18.6% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $6,620,000 | $12,295,000 | 85.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $16,955,000 | $12,215,000 | -28.0% | 0.1% |
| Stifel Bank and Trust | $9,965,000 | $12,120,000 | 21.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $8,785,000 | $12,055,000 | 37.2% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $11,930,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $7,785,000 | $11,810,000 | 51.7% | 0.1% |
| Northpointe Bank | $1,470,000 | $11,750,000 | 699.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $6,700,000 | $11,430,000 | 70.6% | 0.1% |
| HighTechLending Inc | $7,180,000 | $11,395,000 | 58.7% | 0.1% |
| Citizens Bank | $18,815,000 | $11,380,000 | -39.5% | 0.1% |
| Provident Credit Union | $21,715,000 | $11,370,000 | -47.6% | 0.1% |
| KINECTA | $18,625,000 | $11,320,000 | -39.2% | 0.1% |
| CARDINAL FINANCIAL | $46,595,000 | $11,135,000 | -76.1% | 0.1% |
| Logan Finance Corporation | $4,945,000 | $11,020,000 | 122.9% | 0.1% |
| Golden Empire Mortgage, Inc. | $11,350,000 | $10,870,000 | -4.2% | 0.1% |
| Vellum Mortgage, Inc. | $10,150,000 | $10,295,000 | 1.4% | 0.1% |
| PACIFIC SERVICE | $10,960,000 | $10,170,000 | -7.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $9,090,000 | $9,810,000 | 7.9% | 0.1% |
| Lakeview Community Capital, LLC | $2,330,000 | $9,725,000 | 317.4% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $235,000 | $9,720,000 | 4,036.2% | 0.1% |
| NEW DAY FINANCIAL, LLC | $7,435,000 | $9,145,000 | 23.0% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $21,735,000 | $9,105,000 | -58.1% | 0.1% |
| GENEVA FINANCIAL, LLC | $6,050,000 | $9,100,000 | 50.4% | 0.1% |
| JMJ FINANCIAL GROUP | $760,000 | $8,820,000 | 1,060.5% | 0.1% |
| Exchange Bank | $3,220,000 | $8,810,000 | 173.6% | 0.1% |
| Sierra Central Credit Union | $5,065,000 | $8,795,000 | 73.6% | 0.1% |
| Ukrainian Federal Credit Union | $9,210,000 | $8,760,000 | -4.9% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $3,315,000 | $8,710,000 | 162.7% | 0.1% |
| Franklin Loan Corporation | $4,130,000 | $8,395,000 | 103.3% | 0.0% |
| FUNDLOANS CAPITAL | $4,230,000 | $8,300,000 | 96.2% | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | $7,475,000 | $8,160,000 | 9.2% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,620,000 | $8,065,000 | 397.8% | 0.0% |
| First Bank | $13,395,000 | $8,020,000 | -40.1% | 0.0% |
| GTE Federal Credit Union | $3,760,000 | $8,000,000 | 112.8% | 0.0% |
| Watermark Capital, Inc. | $4,220,000 | $7,960,000 | 88.6% | 0.0% |
| REDWOOD | $10,945,000 | $7,775,000 | -29.0% | 0.0% |
| Bank of Stockton | $4,400,000 | $7,490,000 | 70.2% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,120,000 | $7,370,000 | 558.0% | 0.0% |
| UNION HOME MORTGAGE CORP. | $1,095,000 | $7,225,000 | 559.8% | 0.0% |
| BM Real Estate Services, Inc. | $3,615,000 | $7,145,000 | 97.6% | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | $3,485,000 | $7,090,000 | 103.4% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $4,110,000 | $7,055,000 | 71.7% | 0.0% |
| The Federal Savings Bank | $14,945,000 | $7,035,000 | -52.9% | 0.0% |
| Self-Help Federal Credit Union | $4,470,000 | $7,005,000 | 56.7% | 0.0% |
| First Federal Bank | $1,540,000 | $6,920,000 | 349.4% | 0.0% |
| Ally Bank | $13,360,000 | $6,660,000 | -50.1% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $1,320,000 | $6,635,000 | 402.7% | 0.0% |
| Yolo Federal Credit Union | $9,075,000 | $6,550,000 | -27.8% | 0.0% |
| ARC HOME LLC | $12,795,000 | $6,515,000 | -49.1% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $9,810,000 | $6,430,000 | -34.5% | 0.0% |
| Raymond James Bank | $5,630,000 | $6,270,000 | 11.4% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,690,000 | $6,150,000 | 263.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $14,175,000 | $6,125,000 | -56.8% | 0.0% |
| MORIA DEVELOPMENT, INC. | $295,000 | $6,060,000 | 1,954.2% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,670,000 | $6,055,000 | 262.6% | 0.0% |
| AHL FUNDING | $1,060,000 | $6,000,000 | 466.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $5,055,000 | $5,975,000 | 18.2% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $3,170,000 | $5,700,000 | 79.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,060,000 | $5,665,000 | 175.0% | 0.0% |
| GEORGIA'S OWN | $4,330,000 | $5,645,000 | 30.4% | 0.0% |
| AXIA FINANCIAL, LLC | $6,865,000 | $5,570,000 | -18.9% | 0.0% |
| Truist | $12,930,000 | $5,460,000 | -57.8% | 0.0% |
| M&T Bank | $2,155,000 | $5,405,000 | 150.8% | 0.0% |
| Citizens National Bank of Texas | $1,170,000 | $5,285,000 | 351.7% | 0.0% |
| HomeTrust Bank | $9,355,000 | $5,245,000 | -43.9% | 0.0% |
| CHEVRON | $4,655,000 | $5,200,000 | 11.7% | 0.0% |
| DATA MORTGAGE, INC. | $5,520,000 | $5,165,000 | -6.4% | 0.0% |
| Farmers Bank & Trust | $700,000 | $5,155,000 | 636.4% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $3,380,000 | $5,105,000 | 51.0% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,235,000 | $5,035,000 | 307.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $6,125,000 | $5,030,000 | -17.9% | 0.0% |
| INTELLILOAN, INC. | $1,985,000 | $5,020,000 | 152.9% | 0.0% |
| Nations Lending Corporation | $5,835,000 | $4,955,000 | -15.1% | 0.0% |
| OAKTREE FUNDING CORP. | $2,870,000 | $4,935,000 | 72.0% | 0.0% |
| LADERA LENDING, INC. | $9,615,000 | $4,910,000 | -48.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $2,335,000 | $4,770,000 | 104.3% | 0.0% |
| Pacific Lending LLC | $4,745,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $19,060,000 | $4,735,000 | -75.2% | 0.0% |
| FAY SERVICING, LLC | $1,220,000 | $4,705,000 | 285.7% | 0.0% |
| Northwest Farm Credit Services, FLCA | $6,085,000 | $4,695,000 | -22.8% | 0.0% |
| MLD MORTGAGE INC. | $2,520,000 | $4,660,000 | 84.9% | 0.0% |
| Strong Home Mortgage, LLC | $1,955,000 | $4,520,000 | 131.2% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,890,000 | $4,470,000 | 136.5% | 0.0% |
| MK LENDING CORP. | $375,000 | $4,450,000 | 1,086.7% | 0.0% |
| Sunflower Bank | $4,630,000 | $4,430,000 | -4.3% | 0.0% |
| RESIDENTIAL BANCORP | $11,750,000 | $4,425,000 | -62.3% | 0.0% |
| UNIVERSAL LENDING CORPORATION | $4,415,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $5,845,000 | $4,410,000 | -24.6% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $3,365,000 | $4,375,000 | 30.0% | 0.0% |
| Pinnacle Bank | $4,200,000 | n/a | 0.0% | |
| ML Mortgage Corp. | $395,000 | $4,180,000 | 958.2% | 0.0% |
| USE Credit Union | $1,245,000 | $4,125,000 | 231.3% | 0.0% |
| Prosperity Home Mortgage, LLC | $9,250,000 | $4,035,000 | -56.4% | 0.0% |
| KEYPOINT | $2,685,000 | $3,975,000 | 48.0% | 0.0% |
| Shea Mortgage Inc. | $3,965,000 | n/a | 0.0% | |
| Arbor Realty Trust, Inc. | $12,875,000 | $3,875,000 | -69.9% | 0.0% |
| Beeline Loans, Inc. | $165,000 | $3,840,000 | 2,227.3% | 0.0% |
| USAlliance Federal Credit Union | $3,080,000 | $3,830,000 | 24.4% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $5,435,000 | $3,805,000 | -30.0% | 0.0% |
| Comerica Bank | $1,445,000 | $3,800,000 | 163.0% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $3,720,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $7,965,000 | $3,675,000 | -53.9% | 0.0% |
| North Coast Financial, Inc. | $1,795,000 | $3,675,000 | 104.7% | 0.0% |
| RF Renovo Management Company, LLC | $3,660,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $1,775,000 | $3,605,000 | 103.1% | 0.0% |
| Farmers & Merchants Bank of Central California | $4,495,000 | $3,585,000 | -20.2% | 0.0% |
| Lake Forest Bank & Trust | $3,555,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $1,985,000 | $3,550,000 | 78.8% | 0.0% |
| UIF CORPORATION | $8,600,000 | $3,545,000 | -58.8% | 0.0% |
| Central State Bank | $3,515,000 | n/a | 0.0% | |
| First National Bank of America | $1,240,000 | $3,450,000 | 178.2% | 0.0% |
| Greenbox Loans, Inc. | $4,555,000 | $3,390,000 | -25.6% | 0.0% |
| Luxury Mortgage Corp. | $745,000 | $3,365,000 | 351.7% | 0.0% |
| DIGITAL Federal Credit Union | $7,445,000 | $3,350,000 | -55.0% | 0.0% |
| OPEN MORTGAGE, LLC | $2,665,000 | $3,220,000 | 20.8% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $17,535,000 | $3,195,000 | -81.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $3,585,000 | $3,165,000 | -11.7% | 0.0% |
| V.I.P. MORTGAGE, INC. | $960,000 | $3,095,000 | 222.4% | 0.0% |
| American Airlines Federal Credit Union | $175,000 | $3,075,000 | 1,657.1% | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | $2,920,000 | $3,070,000 | 5.1% | 0.0% |
| NP, Inc. | $4,495,000 | $3,035,000 | -32.5% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,985,000 | $3,015,000 | 1.0% | 0.0% |
| CLEARPATH LENDING | $3,030,000 | $2,995,000 | -1.2% | 0.0% |
| North American Savings Bank, F.S.B. | $2,940,000 | n/a | 0.0% | |
| MACKILLIE INCORPORATED | $365,000 | $2,765,000 | 657.5% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $1,010,000 | $2,755,000 | 172.8% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,680,000 | $2,665,000 | 58.6% | 0.0% |
| Educational Employees Credit Union | $2,520,000 | $2,660,000 | 5.6% | 0.0% |
| Arvest Bank | $285,000 | $2,610,000 | 815.8% | 0.0% |
| SOUTHLAND CREDIT UNION | $2,610,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $1,360,000 | $2,595,000 | 90.8% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $2,005,000 | $2,535,000 | 26.4% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $505,000 | $2,450,000 | 385.1% | 0.0% |
| Boeing Employees Credit Union | $1,645,000 | $2,420,000 | 47.1% | 0.0% |
| SNAPFI, INC. | $2,810,000 | $2,410,000 | -14.2% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $2,400,000 | n/a | 0.0% | |
| KeyBank | $2,370,000 | $2,385,000 | 0.6% | 0.0% |
| UMB Bank | $2,380,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $2,360,000 | n/a | 0.0% | |
| UNCLE Credit Union | $780,000 | $2,355,000 | 201.9% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,230,000 | $2,280,000 | 85.4% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $235,000 | $2,255,000 | 859.6% | 0.0% |
| Flanagan State Bank | $585,000 | $2,220,000 | 279.5% | 0.0% |
| PREMIA MORTGAGE, LLC | $2,930,000 | $2,210,000 | -24.6% | 0.0% |
| BNY Mellon | $1,415,000 | $2,200,000 | 55.5% | 0.0% |
| RBC Bank, (Georgia) | $5,170,000 | $2,175,000 | -57.9% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,375,000 | $2,120,000 | 54.2% | 0.0% |
| The Huntington National Bank | $5,700,000 | $2,120,000 | -62.8% | 0.0% |
| Kwik Mortgage Corporation | $345,000 | $2,095,000 | 507.2% | 0.0% |
| ONY GLO, INC. | $9,675,000 | $2,065,000 | -78.7% | 0.0% |
| Florida Capital Bank | $2,860,000 | $2,045,000 | -28.5% | 0.0% |
| THE POLICE Credit Union | $1,565,000 | $2,040,000 | 30.4% | 0.0% |
| State Department Federal Credit Union | $1,525,000 | $2,035,000 | 33.4% | 0.0% |
| Hinsdale Bank & Trust Company | $2,005,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $335,000 | $2,000,000 | 497.0% | 0.0% |
| ADVANCIAL | $2,220,000 | $1,980,000 | -10.8% | 0.0% |
| Provident Savings Bank, F.S.B. | $3,020,000 | $1,975,000 | -34.6% | 0.0% |
| Paramount Bank | $1,935,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $1,240,000 | $1,890,000 | 52.4% | 0.0% |
| CBC Federal Credit Union | $515,000 | $1,850,000 | 259.2% | 0.0% |
| First Savings Bank | $3,685,000 | $1,850,000 | -49.8% | 0.0% |
| Wintrust Bank, N.A. | $1,845,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $615,000 | $1,835,000 | 198.4% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | $1,815,000 | 7,160.0% | 0.0% |
| Andover State Bank | $1,795,000 | n/a | 0.0% | |
| Pacific City Bank | $690,000 | $1,790,000 | 159.4% | 0.0% |
| TECHNOLOGY | $2,070,000 | $1,710,000 | -17.4% | 0.0% |
| Devon Bank | $1,665,000 | n/a | 0.0% | |
| California Coast Credit Union | $1,895,000 | $1,635,000 | -13.7% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,630,000 | n/a | 0.0% | |
| State Bank of the Lakes | $1,610,000 | n/a | 0.0% | |
| BAY | $1,310,000 | $1,585,000 | 21.0% | 0.0% |
| EQUITY WAVE LENDING, INC. | $720,000 | $1,580,000 | 119.4% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $970,000 | $1,525,000 | 57.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $160,000 | $1,500,000 | 837.5% | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | $1,265,000 | $1,500,000 | 18.6% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $2,305,000 | $1,490,000 | -35.4% | 0.0% |
| INTERCAP LENDING INC. | $1,930,000 | $1,435,000 | -25.6% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $15,635,000 | $1,435,000 | -90.8% | 0.0% |
| Peoples Bank | $1,435,000 | n/a | 0.0% | |
| Quontic Bank | $285,000 | $1,420,000 | 398.2% | 0.0% |
| San Joaquin Power Employees Credit Union | $1,020,000 | $1,405,000 | 37.7% | 0.0% |
| ST FIN CORP | $650,000 | $1,395,000 | 114.6% | 0.0% |
| Texana Bank | $1,375,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $2,125,000 | $1,365,000 | -35.8% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $1,695,000 | $1,325,000 | -21.8% | 0.0% |
| Armed Forces Bank | $980,000 | $1,290,000 | 31.6% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $4,395,000 | $1,290,000 | -70.6% | 0.0% |
| BRIDGELOCK CAPITAL | $1,285,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $1,095,000 | $1,275,000 | 16.4% | 0.0% |
| UNIVERSITY CREDIT UNION | $3,420,000 | $1,265,000 | -63.0% | 0.0% |
| Cathay Bank | $6,450,000 | $1,260,000 | -80.5% | 0.0% |
| INFINITY EQUITY GROUP, INC. | $2,520,000 | $1,250,000 | -50.4% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $1,110,000 | $1,235,000 | 11.3% | 0.0% |
| Mortgage Bank of California | $125,000 | $1,225,000 | 880.0% | 0.0% |
| Preferred Bank | $435,000 | $1,225,000 | 181.6% | 0.0% |
| CIBC Bank USA | $1,205,000 | n/a | 0.0% | |
| VICTORIA FINANCIAL CORP. | $1,190,000 | n/a | 0.0% | |
| Royal Business Bank | $1,185,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $820,000 | $1,160,000 | 41.5% | 0.0% |
| The Central Trust Bank | $1,910,000 | $1,150,000 | -39.8% | 0.0% |
| 1st Security Bank of Washington | $1,120,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $85,000 | $1,110,000 | 1,205.9% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $1,635,000 | $1,095,000 | -33.0% | 0.0% |
| The Bank of South Carolina | $645,000 | $1,080,000 | 67.4% | 0.0% |
| Waterstone Mortgage Corporation | $640,000 | $1,080,000 | 68.8% | 0.0% |
| MORTGAGE EXPRESS, LLC | $1,075,000 | n/a | 0.0% | |
| Magnolia Bank | $1,240,000 | $1,040,000 | -16.1% | 0.0% |
| Connexus Credit Union | $2,365,000 | $1,015,000 | -57.1% | 0.0% |
| COASTAL FUNDING SLC, INC. | $1,010,000 | n/a | 0.0% | |
| First Western Trust Bank | $1,000,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $255,000 | $1,000,000 | 292.2% | 0.0% |
| First Standard Financial Corp. | $980,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $1,445,000 | $970,000 | -32.9% | 0.0% |
| LOANFLIGHT LENDING, LLC | $940,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $930,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $355,000 | $920,000 | 159.2% | 0.0% |
| Noble Federal Credit Union | $415,000 | $920,000 | 121.7% | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $910,000 | n/a | 0.0% | |
| TOWER | $1,210,000 | $905,000 | -25.2% | 0.0% |
| Axos Bank | $1,325,000 | $900,000 | -32.1% | 0.0% |
| MERIWEST MORTGAGE COMPANY, LLC | $900,000 | n/a | 0.0% | |
| SANTA CLARA COUNTY | $185,000 | $890,000 | 381.1% | 0.0% |
| Evolve Bank & Trust | $5,090,000 | $885,000 | -82.6% | 0.0% |
| F&A Federal Credit Union | $390,000 | $870,000 | 123.1% | 0.0% |
| SIRVA MORTGAGE, INC. | $2,680,000 | $865,000 | -67.7% | 0.0% |
| PREMIER LENDING, INC. | $4,375,000 | $860,000 | -80.3% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $860,000 | n/a | 0.0% | |
| Baxter Credit Union | $1,400,000 | $855,000 | -38.9% | 0.0% |
| Goldwater Bank, N.A. | $840,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $55,000 | $825,000 | 1,400.0% | 0.0% |
| USC Credit Union | $300,000 | $825,000 | 175.0% | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | $830,000 | $820,000 | -1.2% | 0.0% |
| ENCORE BANK | $815,000 | n/a | 0.0% | |
| Mission City Federal Credit Union | $810,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $2,740,000 | $795,000 | -71.0% | 0.0% |
| LENDINGONE, LLC | $790,000 | n/a | 0.0% | |
| Old Plank Trail Community Bank | $785,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $1,730,000 | $770,000 | -55.5% | 0.0% |
| GREENSTATE CREDIT UNION | $765,000 | n/a | 0.0% | |
| Heritage Bank | $545,000 | $765,000 | 40.4% | 0.0% |
| TELCOE FEDERAL CREDIT UNION | $765,000 | $765,000 | 0.0% | 0.0% |
| NuVision Federal Credit Union | $1,630,000 | $750,000 | -54.0% | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | $175,000 | $730,000 | 317.1% | 0.0% |
| EMM LOANS LLC | $985,000 | $725,000 | -26.4% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $725,000 | n/a | 0.0% | |
| HomeStreet Bank | $5,825,000 | $695,000 | -88.1% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $6,685,000 | $690,000 | -89.7% | 0.0% |
| San Mateo Credit Union | $1,515,000 | $690,000 | -54.5% | 0.0% |
| FIRST ENTERTAINMENT | $675,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $1,030,000 | $675,000 | -34.5% | 0.0% |
| FRONTWAVE | $1,115,000 | $660,000 | -40.8% | 0.0% |
| GENISYS | $505,000 | $660,000 | 30.7% | 0.0% |
| CALIFORNIA CREDIT UNION | $6,335,000 | $645,000 | -89.8% | 0.0% |
| First Foundation Bank | $645,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $645,000 | n/a | 0.0% | |
| Golden Bank | $545,000 | $620,000 | 13.8% | 0.0% |
| NJ LENDERS CORP. | $615,000 | n/a | 0.0% | |
| T. J. FINANCIAL, INC. | $505,000 | $615,000 | 21.8% | 0.0% |
| VERITAS FUNDING, LLC | $1,230,000 | $610,000 | -50.4% | 0.0% |
| MERIWEST | $770,000 | $600,000 | -22.1% | 0.0% |
| CENTRAL COAST LENDING, INC. | $1,305,000 | $585,000 | -55.2% | 0.0% |
| First Western Federal Savings Bank | $585,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $860,000 | $585,000 | -32.0% | 0.0% |
| U S WIDE FINANCIAL LLC | $565,000 | n/a | 0.0% | |
| COMMUNITY FIRST CREDIT UNION | $140,000 | $560,000 | 300.0% | 0.0% |
| 1ST NORTHERN CALIFORNIA | $270,000 | $555,000 | 105.6% | 0.0% |
| Capital Bank | $545,000 | n/a | 0.0% | |
| Five Star Credit Union | $545,000 | n/a | 0.0% | |
| RESIDENTIAL MORTGAGE, LLC | $545,000 | n/a | 0.0% | |
| SESLOC | $535,000 | n/a | 0.0% | |
| BNB FINANCIAL INC. | $525,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $405,000 | $525,000 | 29.6% | 0.0% |
| SANDIA LABORATORY | $680,000 | $520,000 | -23.5% | 0.0% |
| T2 FINANCIAL LLC | $205,000 | $515,000 | 151.2% | 0.0% |
| Village Bank & Trust | $515,000 | n/a | 0.0% | |
| First Financial Bank | $495,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $535,000 | $495,000 | -7.5% | 0.0% |
| CIS Financial Services, Inc. | $465,000 | $490,000 | 5.4% | 0.0% |
| AmRes Corporation | $910,000 | $485,000 | -46.7% | 0.0% |
| Encompass Lending Group, LP | $485,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $485,000 | n/a | 0.0% | |
| SAMMAMISH MORTGAGE COMPANY | $485,000 | n/a | 0.0% | |
| AltaOne Federal Credit Union | $295,000 | $475,000 | 61.0% | 0.0% |
| JET DIRECT FUNDING CORP | $1,670,000 | $465,000 | -72.2% | 0.0% |
| PremierOne Credit Union | $845,000 | $455,000 | -46.2% | 0.0% |
| Credence Funding Corporation | $445,000 | n/a | 0.0% | |
| RANLIFE, INC. | $1,425,000 | $435,000 | -69.5% | 0.0% |
| ROGUE | $55,000 | $435,000 | 690.9% | 0.0% |
| Fidelity Bank | $430,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $430,000 | n/a | 0.0% | |
| Deseret First Credit Union | $65,000 | $425,000 | 553.8% | 0.0% |
| MY MORTGAGE, INC. | $425,000 | n/a | 0.0% | |
| Old National Bank | $535,000 | $425,000 | -20.6% | 0.0% |
| Murphy Bank | $135,000 | $415,000 | 207.4% | 0.0% |
| Stride Bank | $415,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,470,000 | $405,000 | -72.4% | 0.0% |
| United Nations Federal Credit Union | $485,000 | $405,000 | -16.5% | 0.0% |
| Alaska USA Federal Credit Union | $5,205,000 | $395,000 | -92.4% | 0.0% |
| City Lending Inc. | $390,000 | n/a | 0.0% | |
| Commercial Loan Corporation | $390,000 | n/a | 0.0% | |
| First Heritage Mortgage, LLC | $385,000 | n/a | 0.0% | |
| Metro City Bank | $740,000 | $375,000 | -49.3% | 0.0% |
| United States Senate Federal Credit Union | $400,000 | $375,000 | -6.3% | 0.0% |
| MY MOVE MORTGAGE, LLC | $365,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $35,000 | $350,000 | 900.0% | 0.0% |
| Residential First Mortgage | $335,000 | n/a | 0.0% | |
| Securityplus FCU | $335,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $325,000 | n/a | 0.0% | |
| Kaiperm Diablo Federal Credit Union | $320,000 | n/a | 0.0% | |
| Bank of Hope | $315,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $475,000 | $315,000 | -33.7% | 0.0% |
| Community First Bank | $985,000 | $315,000 | -68.0% | 0.0% |
| LEGEND LENDING CORPORATION | $315,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
| Notre Dame Federal Credit Union Corporation | $305,000 | n/a | 0.0% | |
| Ukrainian Selfreliance Federal Credit Union | $305,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $310,000 | $295,000 | -4.8% | 0.0% |
| Service Federal Credit Union | $100,000 | $285,000 | 185.0% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $745,000 | $280,000 | -62.4% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $265,000 | n/a | 0.0% | |
| San Diego Funding | $265,000 | n/a | 0.0% | |
| Servion, Inc. | $405,000 | $265,000 | -34.6% | 0.0% |
| American Riviera Bank | $255,000 | n/a | 0.0% | |
| HomePromise Corporation | $255,000 | n/a | 0.0% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $335,000 | $255,000 | -23.9% | 0.0% |
| Signature Federal Credit Union | $1,250,000 | $255,000 | -79.6% | 0.0% |
| COMPASS MORTGAGE, INC. | $905,000 | $245,000 | -72.9% | 0.0% |
| FEDERATED MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $245,000 | n/a | 0.0% | |
| First American Bank | $335,000 | $240,000 | -28.4% | 0.0% |
| EMBRACE HOME LOANS, INC. | $345,000 | $225,000 | -34.8% | 0.0% |
| GREAT LAKES | $1,150,000 | $225,000 | -80.4% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $225,000 | n/a | 0.0% | |
| THE FIRST FINANCIAL Federal Credit Union | $55,000 | $220,000 | 300.0% | 0.0% |
| VALLEY STRONG CREDIT UNION | $1,620,000 | $220,000 | -86.4% | 0.0% |
| ATLANTA POSTAL | $205,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $470,000 | $205,000 | -56.4% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $205,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $200,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $195,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $1,545,000 | $185,000 | -88.0% | 0.0% |
| INTOUCH CREDIT UNION | $185,000 | n/a | 0.0% | |
| University Bank | $1,385,000 | $185,000 | -86.6% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $1,785,000 | $175,000 | -90.2% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $215,000 | $175,000 | -18.6% | 0.0% |
| WINGS FINANCIAL | $1,175,000 | $175,000 | -85.1% | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | $165,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $265,000 | $165,000 | -37.7% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $475,000 | $160,000 | -66.3% | 0.0% |
| Leader Bank | $205,000 | $155,000 | -24.4% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $955,000 | $155,000 | -83.8% | 0.0% |
| UNIFY FINANCIAL Credit Union | $15,000 | $155,000 | 933.3% | 0.0% |
| NASA Federal Credit Union | $700,000 | $150,000 | -78.6% | 0.0% |
| GMFS LLC | $145,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $480,000 | $120,000 | -75.0% | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | $415,000 | $115,000 | -72.3% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Credit Union of Southern California | $105,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $825,000 | $105,000 | -87.3% | 0.0% |
| EASTMAN | $105,000 | $95,000 | -9.5% | 0.0% |
| Southwest Airlines Federal Credit Union | $195,000 | $95,000 | -51.3% | 0.0% |
| UTAH FIRST | $75,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $65,000 | n/a | 0.0% | |
| I.L.W.U. CREDIT UNION | $65,000 | n/a | 0.0% | |
| PREMIER AMERICA | $35,000 | $65,000 | 85.7% | 0.0% |
| CommonWealth Central Credit Union | $55,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $140,000 | $50,000 | -64.3% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% |
SACRAMENTO - ROSEVILLE - FOLSOM's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 17.0% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $1,298,175,000 in loans. In third place, with 4.5%, is EAGLE HOME MORTGAGE, LLC, having originated $777,840,000 in loans. In fourth place, with 3.0%, is LOANDEPOT.COM, LLC, having originated $519,290,000 in loans. In fifth place, with 2.7%, is U.S. Bank, having originated $462,055,000 in loans.
SACRAMENTO-ROSEVILLE-FOLSOM, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 24,036 | $12,220,160,000 | $508,411 |
| Cash Out Refi | 5,866 | $1,590,610,000 | $271,158 |
| Home Improvement | 4,371 | $526,585,000 | $120,472 |
| Refi | 4,189 | $2,486,805,000 | $593,651 |
| Other | 3,932 | $555,260,000 | $141,216 |
| NA | 21 | $8,785,000 | $418,333 |
Sacramento - Roseville - Folsom's most frequently cited loan purpose was Home Purchase, with 24,036 originations. The 2nd most popular reason was Cash Out Refi, with 5,866 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 16,487 | $7,913,345,000 | $479,975 |
| Over 8% | 9,986 | $1,619,350,000 | $162,162 |
| 7-8% | 6,977 | $2,821,825,000 | $404,447 |
| 5-6% | 6,878 | $4,067,430,000 | $591,368 |
| 4-5% | 1,128 | $627,900,000 | $556,649 |
| <2.5% | 502 | $27,900,000 | $55,578 |
| 3-4% | 104 | $61,570,000 | $592,019 |
| 2.5-3% | 44 | $26,110,000 | $593,409 |
During 2024, Sacramento - Roseville - Folsom's most frequently originated rate bucket was 6-7%, with 16,487 originations.
Loan Sizing (SACRAMENTO-ROSEVILLE-FOLSOM, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 12,788 | $6,268,950,000 | $490,221 |
| $200k-400k | 10,491 | $3,234,925,000 | $308,352 |
| $100,000 or less | 6,880 | $389,540,000 | $56,619 |
| $600k-1000k | 6,184 | $4,380,490,000 | $708,359 |
| $100k-200k | 5,144 | $706,180,000 | $137,282 |
| $Over $1MM | 928 | $2,408,120,000 | $2,594,957 |
SACRAMENTO - ROSEVILLE - FOLSOM's loan sizing saw the bucket of loans from $400k-600k with 12,788 originations, totaling $6,268,950,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 13,512 | $7,210,500,000 | $533,637 |
| 60-80% | 10,140 | $5,533,360,000 | $545,696 |
| Under 20% | 9,014 | $742,750,000 | $82,400 |
| 20-40% | 4,492 | $999,060,000 | $222,409 |
| 40-60% | 4,192 | $2,196,380,000 | $523,946 |
| Over 100% | 331 | $311,535,000 | $941,193 |
SACRAMENTO - ROSEVILLE - FOLSOM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 13,512 originations, totaling $7,210,500,000 in origination value.