Sacramento, CA · mortgage lenders and licensed loan officers
Mortgage brokers and lenders in Sacramento, CA
Comparing mortgage brokers and lenders in Sacramento, CA? Check who is licensed first. 1,518 active loan officer license records list a business address here, naming 146 companies, and federal HMDA data shows which lenders made the most home loans in the area.
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Key facts
- 1,518 active license records for 1,064 people (counted once by NMLS ID) with a business address in the Sacramento, CA area, from the California DRE, Florida OFR, Colorado DORA, Division of Real Estate, Pennsylvania DoBS (data.pa.gov) and Missouri Division of Finance rosters. Source: state license rosters.
- United Shore Financial Services, LLC reported the most home-loan originations here in 2024 (8,539), followed by Rocket Mortgage, LLC (4,577). Source: HMDA 2024.
- 146 companies are named on 377 active records; the 10 named most often appear on 40.6% of those records. Source: state license rosters.
- 137 of 437 dated active records carry a license year of 2025 or later. Source: state license rosters.
- 302 California DRE records here are held under a real estate broker license, the license a California mortgage broker usually operates under. Source: state license rosters.
Lenders that made the most home loans in Sacramento, CA
United Shore Financial Services, LLC reported 8,539 home-loan originations in the Sacramento, CA metro area (HMDA area code 40900) in 2024, the most of any lender in HMDA data; the 8 lenders below made 28,084 loans between them. HMDA covers the whole metropolitan area, which can reach past the cities counted below. Brokered loans count under the lender that funded them, so brokers are not listed. Loan count says nothing about rates or service.
| Rank | Lender | 2024 loans |
|---|---|---|
| 1 | United Shore Financial Services, LLC | 8,539 |
| 2 | Rocket Mortgage, LLC | 4,577 |
| 3 | The Golden 1 | 3,495 |
| 4 | U.S. Bank National Association | 2,690 |
| 5 | Pennymac Loan Services, LLC | 2,464 |
| 6 | Bank of America, National Association | 2,363 |
| 7 | Spring Eq, LLC | 2,013 |
| 8 | Newrez LLC | 1,943 |
Companies named on Sacramento, CA license records
377 active license records here name the company the loan officer works for (for California salespersons, the sponsoring broker, which can be a real estate brokerage): 146 companies in all. The 10 named most often hold 40.6% of those records. A count of license records is not loan volume or a recommendation.
| Company on public record | Active records |
|---|---|
| Answer Home Loans, Inc. | 40 |
| Elite Norcal Corporation | 21 |
| Xpert Home Lending Inc. | 20 |
| Real Estate Source INC | 17 |
| American Pacific Mortgage Corporation | 11 |
| Carlile Investments | 11 |
| Direct Realty And Mortgage | 9 |
| Asset Financial Center INC | 8 |
| Excel Realty INC | 8 |
| Unified Home Loans | 8 |
Broker or lender in Sacramento, CA?
A broker arranges your loan with one of several lenders; a lender funds it. Either way, the loan officer you deal with needs a state license and an NMLS ID, and the NMLS ID must match the one on your Loan Estimate. Compare same-day estimates with the Loan Estimate comparison tool.
California licenses mortgage loan originators through two regulators: the Department of Real Estate (a real estate license with an MLO endorsement, the usual route for mortgage brokers) and the Department of Financial Protection and Innovation. KeysAhead loads the DRE file only. Of its active records here, 302 are broker licenses, 377 are salesperson licenses sponsored by a broker, and 156 are corporation officers.
Cities counted for Sacramento, CA: Sacramento, Elk Grove, Roseville, Folsom, Citrus Heights, Rancho Cordova, Rocklin or Davis (the business city on the license record).
Licensed loan officers in Sacramento, CA
60 of the 1,064 people with an active record and an NMLS ID here, one row each: first the 51 with a KeysAhead profile, then the California DRE roster before other states, longest-licensed first where the roster gives a year. Only records with an NMLS ID are listed. A roster, not a ranking or an endorsement.
Sacramento, CA ยท licensed loan officers
| Loan officer | Status | Location | Company | Licensed | NMLS # |
|---|---|---|---|---|---|
| Andreas Abramson | Active | Roseville, CA | Jacques Financial Group INC | n/a | #281319 |
| Josue Leonardo Acosta | Active | Sacramento, CA | Mid Valley Corp | n/a | #1567723 |
| Tytus Andrew Adams | Active | Roseville, CA | Capital Premier Lending INC | n/a | #1604484 |
| Gene Leonard Agustin | Active | Rocklin, CA | Greenkey Financial, Inc. | n/a | #357731 |
| Harry George Ahlstrom | Active | Davis, CA | Capital Mortgage Consultants INC | n/a | #237096 |
| Sukhwinder Singh Ajimal | Active | Elk Grove, CA | Elite Norcal Corporation | n/a | #863528 |
| Dawud Alekozai | Active | Elk Grove, CA | Intrust INC | n/a | #247838 |
| Harika Aleti | Active | Rocklin, CA | Real Estate Source INC | n/a | #2331778 |
| Justin Manuel Amaral | Active | Roseville, CA | Capitol City Real Estate INC | n/a | #1051401 |
| Rodney Phillip Anderson | Active | Roseville, CA | American Pacific Mortgage Corporation | n/a | #220651 |
| Latisha Shonta Andrews | Active | Folsom, CA | Lynel Charles Ford | n/a | #2163056 |
| Benjamin Robert Androvich | Active | Sacramento, CA | Asset Financial Center INC | n/a | #121231 |
| Brandon Mathew Aquino Domondon | Active | Sacramento, CA | Reliant Realty, Inc. | n/a | #2384497 |
| Elizabeth Estrada Arizanga | Active | Elk Grove, CA | Elite Norcal Corporation | n/a | #2002016 |
| Daniel Akwasi Asare | Active | Elk Grove, CA | Mohammad Ashraf | n/a | #448734 |
| Muhammad Imran Asghar | Active | Sacramento, CA | C2 Financial Corporation | n/a | #2345377 |
| Arif Atebar | Active | Roseville, CA | Direct Realty And Mortgage | n/a | #1112316 |
| Mark Britton Avila | Active | Sacramento, CA | Pacific National Lending INC | n/a | #332647 |
| Mahdi M Awadallah | Active | Roseville, CA | Elite Norcal Corporation | n/a | #328782 |
| Ruichen Bai | Active | Rocklin, CA | Elite Norcal Corporation | n/a | #2231740 |
| Christopher Dwayne Baker | Active | Roseville, CA | American Pacific Mortgage Corporation | n/a | #294586 |
| Richard Sydney Baker | Active | Rocklin, CA | Carlile Investments | n/a | #1540471 |
| Benjamin Lyle Balagtas | Active | Elk Grove, CA | Real Estate Source INC | n/a | #1849358 |
| Davinder Singh Banwait | Active | Sacramento, CA | Marshall Lending & Real Estate INC | n/a | #1561376 |
| Heidi Lenore Barnes | Active | Roseville, CA | Answer Home Loans, Inc. | n/a | #245920 |
| Michael Eric Barnette | Active | Sacramento, CA | Elite Norcal Corporation | n/a | #335775 |
| Alison Lee Bartholomew | Active | Citrus Heights, CA | Great Western Home Loans, Inc. | n/a | #1569101 |
| Joshua Michael Bartucca | Active | Elk Grove, CA | Renovation Technologies Holdings Inc. | n/a | #461713 |
| Michele Christine Bartucca | Active | Elk Grove, CA | More Than Mortgage, Inc. | n/a | #2307352 |
| Harkamal Singh Baryar | Active | Elk Grove, CA | Elite Norcal Corporation | n/a | #2460041 |
| Ashkan Bashiri | Active | Sacramento, CA | Carlile Investments | n/a | #1458402 |
| Sukhpal S Basi | Active | Rancho Cordova, CA | Orbit Home Loans Inc. | n/a | #2116302 |
| Robert Jacob Bates | Active | Folsom, CA | Answer Home Loans, Inc. | n/a | #93767 |
| Matthew Ryan Battaglia | Active | Roseville, CA | Answer Home Loans, Inc. | n/a | #2214638 |
| Farzad Bavand | Active | Sacramento, CA | Elite Norcal Corporation | n/a | #1838425 |
| Lamarr Andre Baxter | Active | Elk Grove, CA | Elite Norcal Corporation | n/a | #1468820 |
| Michael N Beattie | Active | Rancho Cordova, CA | Greenkey Financial, Inc. | n/a | #191058 |
| Kyle E Beeler | Active | Rocklin, CA | Western States Mortgage And Loan INC | n/a | #222537 |
| Thomas Bell Iii | Active | Rocklin, CA | Zancaner Consulting INC | n/a | #265860 |
| Noel Stefan Beltran | Active | Rocklin, CA | Carlile Investments | n/a | #1188257 |
| Kimberly Yvette Benavides | Active | Roseville, CA | Professional Mortgage Associates | n/a | #340288 |
| Parvinder Singh Bhogal | Active | Roseville, CA | Direct Realty And Mortgage | n/a | #2281387 |
| Steve Shane Birdsong | Active | Roseville, CA | Carlile Investments | n/a | #1023254 |
| Michelle Diane Bishop | Active | Sacramento, CA | Asset Financial Center INC | n/a | #356293 |
| George Blackburne | Active | Sacramento, CA | Blackburne & Sons Realty Capital Corporation | n/a | #382122 |
| Olivia Catherine Boecker | Active | Elk Grove, CA | Ops Perfection Corp | n/a | #2098512 |
| Roland Francis Enriquez Bordon | Active | Sacramento, CA | Excel Realty INC | n/a | #1065166 |
| Kelly Jessica Bradley | Active | Sacramento, CA | Pmg Capital, Inc. | n/a | #1882745 |
| Regina L Brewer | Active | Elk Grove, CA | 4 USA Loans INC | n/a | #2116834 |
| Kristie Marie Breyer | Active | Roseville, CA | Mobilehomeloans.com | n/a | #2106435 |
| Malek Abasi | Active | Roseville, CA | n/a | 2020 | #1915110 |
| Dalisay Eugenio Abungin | Active | Elk Grove, CA | n/a | n/a | #1044240 |
| Lori Robin Ackerman | Active | Folsom, CA | n/a | n/a | #366353 |
| John Patrick Acord | Active | Roseville, CA | n/a | n/a | #1252386 |
| Pete A Agmata | Active | Sacramento, CA | n/a | n/a | #1047491 |
| Derrick Phillip Aguiar | Active | Rocklin, CA | n/a | n/a | #2081447 |
| Ronald Bongco Alejo | Active | Sacramento, CA | n/a | n/a | #1598283 |
| Manuel Jerome Andaya | Active | Roseville, CA | n/a | n/a | #286949 |
| Cynthia Anderson | Active | Rocklin, CA | n/a | n/a | #277087 |
| Cameron Tolentino Anicete | Active | Sacramento, CA | n/a | n/a | #330206 |
Data source California DRE public record. 21,122 mortgage loan originators licensed in this state (20,495 active). Last refreshed 2026-08-22. KeysAhead republishes public-record licensing facts only; confirm any record on the official NMLS Consumer Access. View the source file.
Our data
Contribution: derived analysis, downloadable dataset
- Collected: 1,960 public license records whose business city is in the Sacramento, CA area, from the state regulator rosters KeysAhead loads (active records by roster: CA 835, FL 226, CO 211, PA 123, MO 123), plus the federal HMDA lender list for the metro. Observed: California DRE roster 2026-08-22; Florida OFR roster 2026-08-22; Colorado DORA, Division of Real Estate roster 2026-08-23; Pennsylvania DoBS (data.pa.gov) roster 2026-08-22; Missouri Division of Finance roster 2026-08-22; HMDA 2024 data (loaded 2026-05-22).
- Published: aggregate counts; individual records stay on NMLS Consumer Access.
- Computed: 3 derived shares, each with its formula and arithmetic in the dataset.
- Method: data sources and limits.
- Reproduce it: download the data as JSON (22 rows; license CC BY 4.0).
| Figure | Count |
|---|---|
| License records with a business address in the metro | 1,960 |
| Active license records | 1,518 |
| Inactive or expired records still on file | 442 |
| Distinct people with an active record (by NMLS ID) | 1,064 |
| Active records that name a company | 377 |
| Distinct companies named on active records | 146 |
| Active records naming one of the 10 most-named companies | 153 |
| Active records with a license year on the roster | 437 |
| Active records with a license year of 2025 or later | 137 |
| Lenders shown from HMDA (largest by home-loan originations) | 8 |
| Home loans originated by the lenders shown (HMDA) | 28,084 |
| California DRE records held under a broker license | 302 |
| California DRE records held under a salesperson license | 377 |
| California DRE records held as a corporation officer | 156 |
Frequently asked questions
How do I check a mortgage broker or lender in Sacramento, CA?
Look up the loan officer's NMLS number, then check that the company on the official record is the one on your Loan Estimate.
Which lenders made the most home loans in Sacramento, CA?
In HMDA 2024 data, United Shore Financial Services, LLC reported the most originations in the Sacramento, CA metro area (8,539), followed by Rocket Mortgage, LLC and The Golden 1. The count is loan volume only, not a measure of rates or service.
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