Sacramento County
California · FIPS 06067
According to CFPB HMDA 2024 application volume among U.S. counties, Sacramento County ranks #24 of 3,223, and #6 of 58 in California.
Mortgage lending activity in Sacramento County, California based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Sacramento County, California lenders denied 8,234 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $39K. 498 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.2x, meaning typical borrowers took on mortgages of about 9.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sacramento County
In Sacramento County, lead originator United Wholesale Mortgage funded 15.3% of 26,101 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 28.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Sacramento County's 50,869 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sacramento County's $357,532 average loan (deduped against volume peers).
Lenders active in Sacramento County
United Wholesale Mortgage funded 3,996 of the 26,101 loans originated in Sacramento County, 15.3% of the county. 498 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 3,996 | 15.3% |
| 2 | Rocket Mortgage | 2,154 | 8.3% |
| 3 | The Golden 1 Credit Union | 1,376 | 5.3% |
| 4 | Lennar Mortgage, LLC | 939 | 3.6% |
| 5 | Loandepot.Com, LLC | 660 | 2.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sacramento County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Sacramento County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.