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The Sierra Pacific Mortgage sign on the building.

Wholesale Lending

Headquartered in Folsom, California, Sierra Pacific Mortgage Company, Inc., provides quality mortgage lending services throughout the United States. Incorporated in 1986, we are a privately held company and have originated and purchased billions in residential loans. This longevity in the market combined with experience and expertise enables us to deliver competitively priced products to brokers, retail originators and consumers.

Sierra Pacific currently operates multiple Regional Fulfillment Centers and is licensed in 49 states. We are a nationwide direct lender for HUD (United States Department of Housing and Urban Development), Fannie Mae, Freddie Mac, and an approved Seller with FHA, VA and USDA. We originate loans through our Retail, Wholesale and Non-Delegated Correspondent business channels.

Wholesale Lending

Steering the company's vision and success since inception in 1986, President, Jim Coffrini, has led the company and our growing team of dedicated mortgage professionals into one of the most profitable mortgage banking firms in the industry. Goal-oriented and committed to the future of Sierra Pacific, Mr. Coffrini has built the Company upon the foundation of quality lending practices, unparalleled service, integrity and industry knowledge.

Sierra Pacific Mortgage closes loans.  With our longevity in the market, vast array of products, operations expertise and advanced technology, we know how to make the experience painless for you. Whether you are looking to do a Jumbo loan, condo, renovation loan or practically anything in between, we’ve got you covered. Our company is equipped to complete the entire loan process in-house, meaning all loan processing, underwriting, closings and funding are handled in our local offices.  As a result, we have a proven track record of closing loans as quickly and effectively as possible.

Our mortgage professionals are experienced and knowledgeable not only in loan origination, but in recognizing the nuances unique to the areas in which they work. 

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    Over 30-year-old company

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    Competitive pricing

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    Direct lender

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    Goal-oriented and committed