Applications / Mortgage Analytics / Lenders / California / Sierra Pacific Mortgage Company
Folsom, CA · Independent non-bank lender · CFPB · 7,434 loans in 2025
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7,434
loans originated, 2025
10,545
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sierra Pacific Mortgage Company, reporting since 1990, is a purchase lender with prices close to its peers', whose originations fell 2% in 2025 while similar lenders grew.
Originations fell 2% to 7,434, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 14% and the whole market 10%. It has made between 7,230 and 7,598 loans a year since 2023, after 28,594 in 2020; with purchases 79.6% of its lending, its volume may follow home buying in its markets, or it may have chosen to lend less in some of them.
It reported 769 purchased loans, up from 646, where the typical similar lender bought none. Of its own originations, home purchases were 79.6% and refinancing 15.9%.
Its higher-priced share (a rate well above the average for similar loans), 3.5%, and its typical rate, 6.62%, matched peers'. It made 33.2% of its loans in majority-minority areas, against 25.3%, more than about seven in ten similar lenders, and 1.4% were RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), against 0.6%.
It ranked 30 of 574 in Sacramento-Roseville-Folsom, its home market, where its share fell from 0.8% to 0.6% as its volume held level while the market grew, and held 0.3% in Riverside-San Bernardino-Ontario.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sierra Pacific Mortgage Company took 10,545 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.6% · Refinance 15.9% · Other 2.3% · Home improvement 2.2%
Conventional 74.9% · FHA 20.3% · VA 3.5% · USDA (RHS or FSA) 1.4% · of 7,434 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 2,290 | 30.8% |
| Texas | 605 | 8.1% |
| Oregon | 449 | 6.0% |
| Kansas | 368 | 5.0% |
| Florida | 341 | 4.6% |
| Arizona | 307 | 4.1% |
| Massachusetts | 268 | 3.6% |
| Colorado | 267 | 3.6% |
| Tennessee | 243 | 3.3% |
| Maryland | 215 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 317 |
| Los Angeles-Long Beach-Glendale | 292 |
| Sacramento-Roseville-Folsom | 274 |
| Riverside-San Bernardino-Ontario | 228 |
| Bakersfield-Delano | 221 |
| Fresno | 215 |
| Portland-Vancouver-Hillsboro | 196 |
| Denver-Aurora-Centennial | 187 |
| Phoenix-Mesa-Chandler | 176 |
| Dallas-Plano-Irving | 171 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TTZ395IC926125 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3875179 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77056000000 | 1990–2017 |
Established 14 July 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sierra Pacific Mortgage Company's data.
Sierra Pacific Mortgage Company's data
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Sierra Pacific Mortgage Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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