Applications / Mortgage Analytics / Lenders / California / El Dorado Savings Bank
Placerville, CA · Savings institution · OCC · $2.5 billion assets · 275 loans in 2025
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275
loans originated, 2025
432
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
El Dorado Savings Bank, a Placerville, CA savings institution, made 275 loans in 2025 after just 57 the year before, a rebound larger than at any similar lender.
Similar lenders are savings institutions making between half and twice as many loans; they grew 7%. El Dorado's count rose 382%. It had made 700 loans in 2020 and 371 in 2022, then 68 and 57. The lean years may reflect a pause in some kinds of lending or a change in what the bank reported.
Home improvement made up 34.9% of its loans and refinances 32.7%; purchases were 14.2%. Its typical loan was $155,000, against $235,000 at peers, and it made no jumbo loans (larger than the conforming limit). It has lent in Sacramento-Roseville-Folsom, CA since at least 1990. There it ranked 99 of 574 lenders, and its share rose to 0.2% from 0.1%.
Borrowers with low and moderate incomes took 32.7% of its loans, against 24.1% at peers, more than at about four in five of them, and up from 21.8%. Poorer neighborhoods (low- and moderate-income tracts) took only 11.6%, against 16.1%. That may reflect the counties where it lends, several of them outside any metro.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. El Dorado Savings Bank took 432 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.9% · Refinance 32.7% · Other 18.2% · Purchase 14.2%
Conventional 100.0% · of 275 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 | 254 | 92.4% |
| Nevada | 21 | 7.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 176 |
| Reno | 7 |
| Carson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KLBHBLTPBU7507 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 961576 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46164 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706164 | 2011–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: El Dorado Savings Bank's data.
El Dorado Savings Bank's data
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El Dorado Savings Bank 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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