Lenders › Sierra Pacific Mortgage Co. Inc › California
Sierra Pacific Mortgage Co. Inc in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Sierra Pacific Mortgage Co. Inc reported 3,569 applications and 2,570 originations for 2024, $1.1bn in all.
Its denial rate in the state was 13.3%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 14.2%.
The median rate spread on its California originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Sierra Pacific Mortgage Co. Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.3% | 24.8% | 14.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.5% | 19.9% | 3.5% | 15.6% |
| Average originated loan | $435k | $566k | $358k | $329k |
| Home purchase share | 84.6% | 51.2% | 84.1% | 57.0% |
| FHA-insured share | 29.8% | 11.4% | 24.2% | 13.4% |
| VA-guaranteed share | 3.1% | 4.8% | 6.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 85% (2,175)Home improvement 3% (79)Refinancing 4% (109)Cash-out refinancing 7% (174)Other purpose 1% (33)
By type
Conventional 67% (1,714)FHA 30% (767)VA 3% (80)USDA 0% (9)
Denial reasons as coded
Share of 399 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kern County | 438 | 314 | $96m | 10.4% |
| Los Angeles County | 366 | 266 | $144m | 16.6% |
| Sacramento County | 319 | 236 | $95m | 12.9% |
| Fresno County | 261 | 185 | $66m | 10.0% |
| San Diego County | 226 | 153 | $88m | 18.8% |
| Riverside County | 210 | 148 | $69m | 15.8% |
| Madera County | 153 | 122 | $41m | 12.1% |
| Orange County | 128 | 88 | $53m | 12.5% |
| San Joaquin County | 122 | 88 | $35m | 8.1% |
| San Bernardino County | 130 | 86 | $37m | 17.1% |
| Ventura County | 102 | 68 | $38m | 16.0% |
| Contra Costa County | 92 | 68 | $37m | 11.7% |
| Placer County | 85 | 66 | $31m | 10.4% |
| Alameda County | 73 | 52 | $30m | 11.9% |
| Tulare County | 71 | 51 | $16m | 13.6% |
| Sonoma County | 69 | 50 | $28m | 10.2% |
| Solano County | 50 | 39 | $18m | 4.9% |
| Stanislaus County | 51 | 34 | $13m | 18.6% |
| Merced County | 50 | 34 | $12m | 15.0% |
| Santa Clara County | 45 | 32 | $19m | 11.1% |
| Shasta County | 42 | 31 | $9.9m | 11.4% |
| San Luis Obispo County | 41 | 30 | $14m | 11.8% |
| Imperial County | 36 | 29 | $9.9m | 12.1% |
| Santa Barbara County | 35 | 29 | $17m | 6.3% |
| Nevada County | 36 | 26 | $10m | 10.3% |
| El Dorado County | 36 | 23 | $8.5m | 16.7% |
| Calaveras County | 29 | 22 | $6.8m | 15.4% |
| Butte County | 29 | 22 | $6.7m | — |
| Kings County | 28 | 20 | $6.3m | — |
| Yuba County | 29 | 18 | $6.8m | — |
| Mariposa County | 27 | 17 | $5.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Sierra Pacific Mortgage Co. Inc originate in California in 2024?
2,570 loans totalling $1.1bn, from 3,569 applications reported for properties in California.
What is Sierra Pacific Mortgage Co. Inc's denial rate in California?
13.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 14.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Sierra Pacific Mortgage Co. Inc lend in most?
By originations: Kern County (314), Los Angeles County (266), Sacramento County (236), Fresno County (185), San Diego County (153).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.