Best Private Mortgage Lenders in Lincoln
- Businesses listed
- 2
- Most-offered services
- Mortgage Services
- What customers praise
- recommend×15highly recommend×9recommended×4attention to detail×3
Lighthouse Mortgage Company Inc.
Known for handling complex and unique mortgage situations, Lighthouse Mortgage Company Inc. specializes in home purchases, refinancing, and hard money loans, including agricultural properties. Clients appreciate the team’s thorough communication and ability to navigate challenging approvals, though some caution about licensing status has been noted.
Lincoln Mortgage Statistics
Home-purchase lending in Placer County and home costs in Lincoln, CA (latest HMDA and Census data)Lenders made 5,716 home-purchase loans in Placer County in 2025 (average about $601,000) and denied 532 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Lincoln, the median home is worth $651,000 and 69% of owners have a mortgage, paying a median $2,797 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 5,7160%5,738 in 2024
- Denial rate
- 9%CA 12%
- Median home value
- $651,000CA $734,700
- Monthly cost with a mortgage
- $2,797median · CA $2,946
- Refinance loans made (Placer County, 2025)
- 3,272 · 2,238 in 2024
- Home-improvement loans made (2025)
- 1,058
- Average home-purchase loan
- $601,000 (CA $711,000)
- Owners with a mortgage
- 69% · 38% of them spend 30%+ of income on housing
- Median household income
- $111,990 (CA $99,122)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Placer County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
Frequently asked questions
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General information, not financial advice — consult a qualified professional.
Our Methodology
Best 10 private mortgage lenders list assembly and recognition by TrustAnalytica for Lincoln is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.
We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).
Rankings are frequently updated to reflect the latest reviews from trusted sources.
Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.
TrustAnalytica's procedure for listing private mortgage lenders companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 private mortgage lenders category.
The Process
Business Verification
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Business Details
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