Lender in California · HMDA 2025
Sierra Pacific Mortgage Company, Inc. mortgages in California
Sierra Pacific Mortgage Company, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Sierra Pacific Mortgage Company, Inc. originated 1,940 owner-occupied single-family loans in California from 2,153 completed applications.
Its median conventional purchase loan costs were $10,660 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
1,940
of 2,153 applications
Denial rate
7.2%
Purchase · CA 8.9%
Rate spread
+0.18 pts
Conv. · CA +0.09 pts
Loan amount
$435,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,839 | 1,686 | 7.2% | 6.625% | +0.18 pts | $10,660 | $435,000 |
| Refinance | 164 | 140 | 10.4% | 6.500% | −0.01 pts | $4,130 | $535,000 |
| Cash-out refinance | 150 | 114 | 19.3% | 6.750% | +0.18 pts | $6,070 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Sierra Pacific Mortgage Company, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mariposa County | 2 | 10 | 7.0% |
| Sierra County | 5 | 1 | 4.2% |
| Madera County | 7 | 78 | 3.5% |
| Glenn County | 9 | 4 | 2.0% |
| Imperial County | 10 | 26 | 2.3% |
| Nevada County | 10 | 25 | 1.9% |
| Calaveras County | 10 | 12 | 2.0% |
| Tehama County | 10 | 12 | 2.3% |
| Kern County | 11 | 193 | 2.1% |
| Sutter County | 11 | 17 | 2.1% |
| Fresno County | 12 | 112 | 1.4% |
| Yuba County | 16 | 19 | 1.4% |
| Lake County | 17 | 7 | 1.2% |
| Mendocino County | 18 | 7 | 1.4% |
| Del Norte County | 19 | 1 | 0.6% |
| Sacramento County | 20 | 172 | 1.0% |
| Tulare County | 21 | 40 | 0.9% |
| Shasta County | 21 | 20 | 1.0% |
| Kings County | 21 | 12 | 0.8% |
| San Joaquin County | 22 | 90 | 1.1% |
| Ventura County | 22 | 66 | 1.0% |
| Butte County | 22 | 19 | 1.0% |
| Lassen County | 22 | 2 | 0.8% |
| El Dorado County | 23 | 22 | 0.8% |
| Merced County | 23 | 19 | 0.9% |
| Yolo County | 24 | 16 | 1.0% |
- Sierra Pacific Mortgage Company, Inc. nationwide
- California mortgage market
- Sierra Pacific Mortgage Company, Inc. in Texas
- Sierra Pacific Mortgage Company, Inc. in Oregon
- Sierra Pacific Mortgage Company, Inc. in Kansas
- Sierra Pacific Mortgage Company, Inc. in Florida
- Sierra Pacific Mortgage Company, Inc. in Colorado
- Sierra Pacific Mortgage Company, Inc. in Arizona
- Sierra Pacific Mortgage Company, Inc. in Tennessee
- Sierra Pacific Mortgage Company, Inc. in Massachusetts
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology