Sierra County, CA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 124 mortgage applications in Sierra County, CA totaling $27.5 million, up 28% from 2024. The average application was for $221,000, and applicants reported an average income of $133,000. 41% of applications resulted in an originated loan and 23% were denied. The most active lender was United Wholesale Mortgage, with 10 applications, followed by PennyMac Loan Services LLC and US Bank, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 124 |
| Total Mortgage Loan Application Amount | $27,520,000 |
| Average Mortgage Loan Application Amount | $221,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $1,075,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 10 | $ 3,320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 2,140,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 880,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 1,610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 705,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 1,295,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 715,000 |
| The Golden 1 Credit Union 8945 CAL CENTER DR SACRAMENTO, CA 95826 |
* | $ n/a | 4 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 440,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 255,000 |
| Sierra Central Credit Union 1351 HARTER PARKWAY YUBA CITY, CA 95993 |
* | $ n/a | 3 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 815,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 725,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 545,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 450,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 210,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 2 | $ 350,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 750,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 420,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 280,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 170,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 650,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 280,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 250,000 |
| Coastal Funding Slc, Inc. 735 TANK FARM ROAD, SUITE 210 SAN LUIS OBISPO, CA 93401 |
* | $ n/a | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 35,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 25,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 165,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 205,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 635,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 195,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 175,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 325,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 645,000 |
| Bridgeway Lending Partners, LLC 10550 CAMDEN DRIVE, SUITE B CYPRESS, CA 90630 |
* | $ n/a | 1 | $ 235,000 |
| Bay-Valley Mortgage Group 23320 FOOTHILL BLVD, SUITE 260 HAYWARD, CA 94541 |
* | $ n/a | 1 | $ 85,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 345,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 305,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 245,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 325,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 355,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ n/a | 1 | $ 225,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 885,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 175,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 195,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 175,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 335,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 495,000 |
| Tri Counties Bank 63 CONSTITUTION DRIVE CHICO, CA 95973 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2025 mortgage applications in Sierra County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sierra County, CA in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 39 | $7,885,000 | $202,000 | $585,000 | $120,000 | $395,000 |
| Home Purchase | 39 | $12,245,000 | $313,000 | $885,000 | $181,000 | $1,075,000 |
| Refinancing | 16 | $4,080,000 | $255,000 | $535,000 | $89,000 | $142,000 |
| Other Purpose | 15 | $1,375,000 | $91,000 | $295,000 | $92,000 | $215,000 |
| Home Improvement | 15 | $1,935,000 | $129,000 | $245,000 | $132,000 | $260,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 96 | $20,760,000 | $216,000 | $885,000 | $138,000 | $1,075,000 |
| Not Provided | 14 | $2,630,000 | $187,000 | $695,000 | $104,000 | $344,000 |
| Not applicable | 6 | $1,870,000 | $311,000 | $495,000 | $0 | $0 |
| Hispanic | 4 | $1,400,000 | $350,000 | $635,000 | $132,000 | $194,000 |
| Asian | 3 | $675,000 | $225,000 | $305,000 | $123,000 | $215,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $59,000 | $59,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 92 | $18,940,000 | $205,000 | $885,000 | $144,000 | $1,075,000 |
| FHA-insured (Federal Housing Administration) | 29 | $7,515,000 | $259,000 | $495,000 | $89,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,065,000 | $355,000 | $555,000 | $160,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 51 | $12,545,000 | $245,000 | $885,000 | $161,000 | $1,075,000 |
| Application Denied By Financial Institution | 29 | $6,335,000 | $218,000 | $815,000 | $115,000 | $372,000 |
| Application Withdrawn By Applicant | 24 | $4,150,000 | $172,000 | $485,000 | $102,000 | $288,000 |
| File Closed For Incompleteness | 8 | $1,330,000 | $166,000 | $235,000 | $88,000 | $204,000 |
| Loan Purchased By The Institution | 7 | $2,095,000 | $299,000 | $495,000 | $57,000 | $57,000 |
| Application Approved But Not Accepted | 4 | $730,000 | $182,000 | $205,000 | $227,000 | $395,000 |
| Preapproval Denied by Financial Institution | 1 | $335,000 | $335,000 | $335,000 | $109,000 | $109,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 94 | $20,850,000 | $221,000 | $885,000 | $139,000 | $1,075,000 |
| Debt-To-Income Ratio | 10 | $2,290,000 | $229,000 | $815,000 | $61,000 | $191,000 |
| Credit Application Incomplete | 6 | $1,990,000 | $331,000 | $645,000 | $161,000 | $271,000 |
| Credit History | 6 | $490,000 | $81,000 | $165,000 | $94,000 | $141,000 |
| Collateral | 5 | $1,285,000 | $257,000 | $505,000 | $217,000 | $372,000 |
| Other | 2 | $280,000 | $140,000 | $175,000 | $99,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $119,000 | $119,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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