Mortgage lending in Sacramento County
28,763 mortgages were originated in Sacramento County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 28,763
- Median rate
- 6.625%
- Median lender fees
- $5,877
- Median loan amount
- $365,000
- Median spread over APOR
- 0.270
- Paid discount points
- 37.6%
- Received lender credits
- 25.8%
- Purchases / refinances
- 50.4% / 30.7%
- Conventional / FHA / VA
- 83.3% / 11.5% / 5.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $764,750
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Sacramento County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,350 | $7,524 | 6.490% |
| Rocket Mortgage, LLC | 2,467 | $4,343 | 6.750% |
| THE GOLDEN 1 | 1,724 | $3,747 | 7.750% |
| THE LOAN STORE, INC. | 963 | $5,479 | 6.625% |
| LENNAR MORTGAGE, LLC | 838 | $7,150 | 4.990% |
| SCHOOLSFIRST | 763 | — | 6.740% |
| Loandepot.Com, LLC | 688 | $5,350 | 6.500% |
| GUILD MORTGAGE COMPANY | 659 | $6,831 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 591 | $5,365 | 6.624% |
| U.S. Bank National Association | 525 | $4,683 | 6.875% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Sacramento County — not a rule of thumb.
From 20,598 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers