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investment property lenders · HMDA 2023–2025

Investment property lenders in Sacramento County, California

Fat Boy Data analyzed investment property mortgage activity in Sacramento County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,266 applications were decided by 305 lenders between 2023 and 2025.

Sacramento County at a glance

305Active lenders51 with 20+ decisions
89.3%Market approval rate4,705 of 5,266 decided
$355KTypical loanmedian lender, $10K brackets
96%Borrower take-up4,524 loans funded

How Sacramento County compares

Approval rate compared
Sacramento County89.3%California88.0%All 616 counties87.5%
Typical loan compared
Sacramento County$355KCalifornia$535KAll 616 counties$255K

What the data shows

Kiavi Funding, Inc. made the most investment property mortgages in Sacramento County, CA, 510 of them.

General Mortgage Capital Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 72.

The typical investment property mortgage here is $355K, 34% smaller than the California typical of $535K.

Approval rate of all 51 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 42% approved of 26Hometown Equity Mortgage, LLC: 53% approved of 30Bank of America, National Association: 59% approved of 59Kind Lending, LLC: 68% approved of 79The Golden 1: 69% approved of 39Flagstar Bank, National Association: 70% approved of 30Loan Funder LLC: 70% approved of 30Homexpress Mortgage Corp.: 73% approved of 75Ocmbc, Inc.: 75% approved of 48Angel Oak Mortgage Solutions LLC: 76% approved of 21Taylor Morrison Home Funding, Inc.: 81% approved of 68BMO Bank National Association: 84% approved of 25Zions Bancorporation, N.A.: 85% approved of 20U.S. Bank National Association: 85% approved of 101Wells Fargo Bank, National Association: 87% approved of 75United Wholesale Mortgage, LLC: 87% approved of 483Rocket Mortgage, LLC: 88% approved of 343Guaranteed Rate, Inc.: 88% approved of 26Champions Funding, LLC: 88% approved of 26Sierra Pacific Mortgage Company, Inc.: 89% approved of 27Nexera Holding LLC: 89% approved of 28Pennymac Loan Services, LLC: 90% approved of 108Kbhs Home Loans, LLC: 90% approved of 60Alameda Mortgage Corporation: 90% approved of 20Dhi Mortgage Company, Ltd.: 90% approved of 51American Pacific Mortgage Corporation: 92% approved of 63JPMorgan Chase Bank, National Association: 93% approved of 56K. Hovnanian American Mortgage, L.L.C.: 93% approved of 43Cmg Mortgage, Inc.: 94% approved of 32Lennar Mortgage, LLC: 95% approved of 438New Wave Lending Group Inc: 95% approved of 20Aaa Capital Investment, Inc.: 95% approved of 20Kiavi Funding, Inc.: 95% approved of 549Better Mortgage Corporation: 95% approved of 22Amwest Funding Corp.: 96% approved of 46The Loan Store, Inc.: 96% approved of 242NexBank: 96% approved of 28Citadel Servicing Corporation: 97% approved of 29Conventus LLC: 97% approved of 61Homeamerican Mortgage Corporation: 97% approved of 34Loandepot.Com, LLC: 99% approved of 71Merchants Mortgage & Trust Corporation, LLC: 99% approved of 167General Mortgage Capital Corporation: 100% approved of 72Guild Mortgage Company LLC: 100% approved of 65Crosscountry Mortgage, LLC: 100% approved of 39Fidelity Lending Solutions, Inc.: 100% approved of 35Resicentral, LLC: 100% approved of 31Nmsi, Inc.: 100% approved of 27New American Funding, LLC: 100% approved of 24Jmac Lending, Inc.: 100% approved of 21Googain, Inc.: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in Sacramento County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.95%522 / 54998%$355K510
2United Wholesale Mortgage, LLCBroker only87%420 / 48399%$335K414
3Lennar Mortgage, LLC95%414 / 43899%$415K410
4Rocket Mortgage, LLC88%301 / 34399%$355K298
5The Loan Store, Inc.96%233 / 24291%$375K211

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

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