Sierra Pacific Mortgage NMLS #1788
At a glance
- HeadquartersGold River, CA
- Size7,434 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in5 states
- Formed in1986
2025 figures are for SIERRA PACIFIC MORTGAGE COMPANY, INC.'s filing.
What it closes
Share of its 2025 home loans: 75% Conventional, 20% FHA, 4% VA and 1% Other types.
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Who is Sierra Pacific Mortgage?
Sierra Pacific Mortgage (NMLS #1788) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Sierra Pacific Mortgage legit?
Here's what public licensing records show. Sierra Pacific Mortgage holds mortgage lender licenses in California, Maryland, New Jersey, New York, Texas (NMLS ID #1788, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerSierra Pacific Mortgage
- NMLS #1788
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Sierra Pacific Mortgage
Overview
Sierra Pacific Mortgage is a mortgage lender based in Gold River, California. It operates through a physical branch network and reported mortgage originations for both purchase and refinance borrowers in 2025.
Mortgage options
In 2025, Sierra Pacific Mortgage made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
Locations
Sierra Pacific Mortgage has 143 branches across 33 states.
Company details and licensing
The legal entity is Sierra Pacific Mortgage Company, Inc., a corporation formed in California on July 14, 1986. Trade names connected with the company include Gen Lending, Advisors Mortgage and 1st National Lending Services. Its NMLS company ID is 1788.
Sierra Pacific Mortgage is licensed in California, Maryland, New Jersey, New York, Texas and Washington.
Verify NMLS #1788 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asSIERRA PACIFIC MORTGAGE COMPANY, INC.
- 2025 home loan decisionsOf 8,510 applications decided by SIERRA PACIFIC MORTGAGE COMPANY, INC. in 2025, 7,434 were originated, 208 were approved but not accepted by the borrower, and 868 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 89.8%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,927 applications were withdrawn by the borrower, 108 were closed for incompleteness, and 769 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.249 percentage points above the average prime offer rate (reported on 6,692 originations, 742 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$8,574.08 — originated closed-end household loans, 2025, 7,163 of 7,177 loans. FFIEC HMDA data browser.
- Median origination charges$4,088.94 — originated closed-end household loans, 2025, 7,151 of 7,177 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types5,567 Conventional, 1,506 FHA, 260 VA, 101 USDA — of 7,434 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for SIERRA PACIFIC MORTGAGE COMPANY, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Sierra Pacific Mortgage legit?
Here's what public licensing records show. Sierra Pacific Mortgage holds mortgage lender licenses in California, Maryland, New Jersey, New York, Texas (NMLS ID #1788, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Sierra Pacific Mortgage's NMLS number?
Sierra Pacific Mortgage's NMLS number is 1788. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Sierra Pacific Mortgage's NMLS ID?
Yes. We checked Sierra Pacific Mortgage's company name and NMLS ID against the NMLS record on October 18, 2026. They've been in our lender network since February 2012. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Sierra Pacific Mortgage?
This page has Sierra Pacific Mortgage's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.