Mortgage lending in Sacramento-Roseville-Folsom, CA
47,543 mortgages were originated in the Sacramento-Roseville-Folsom, CA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 47,543
- Median rate
- 6.625%
- Median lender fees
- $5,821
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $375,000
- Above the going rate (spread over APOR)
- 0.260
- Paid discount points
- 36.9%
- Received lender credits
- 26.6%
- Purchases / refinances
- 50.2% / 30.6%
- Conventional / FHA / VA
- 84.5% / 10.2% / 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 71.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sacramento-Roseville-Folsom, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 7,027 | $7,340 | 6.499% |
| Rocket Mortgage, LLC | 3,882 | $4,361 | 6.750% |
| The Golden 1 | 2,624 | $3,691 | 7.750% |
| The Loan Store, Inc. | 1,582 | $5,806 | 6.625% |
| Lennar Mortgage, LLC | 1,156 | $6,721 | 4.990% |
| Schoolsfirst | 1,125 | — | 6.500% |
| Guild Mortgage Company | 1,091 | $6,911 | 6.625% |
| Pennymac Loan Services, LLC | 1,054 | $5,815 | 6.500% |
| Loandepot.Com, LLC | 1,044 | $5,324 | 6.500% |
| U.S. Bank National Association | 1,012 | $4,790 | 6.875% |