Mortgage Lenders and Brokers in Citrus Heights, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Citrus Heights, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA7847 Lichen Dr, Citrus Heights, CA 95621A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6950 Sunrise Blvd, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.6199 Sunrise Mall, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA7850 Kingswood Dr, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA7381 Greenback Ln, Citrus Heights, CA 95621A+5.0 ★Texas Ratio: 3.54%, Citibank, NACitibank, NA5610 Sunrise Blvd, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 2.82%, The Golden 1 Credit UnionThe Golden 1 Credit Union5901 Sunrise Blvd, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union7475 Madison Ave, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 3.24%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, and Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Citrus Heights, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Citrus Heights are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Citrus Heights, California
Market share is the lender's share of all home loans closed in Citrus Heights, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Citrus Heights 7847 Lichen Dr, Citrus Heights, CA 95621 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 10 | 0.9% | 90.9% | $147,000 | View |
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1 office in Citrus Heights 6950 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 7 +1 HELOCs |
0.6% | 87.5% | $283,571 | View |
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1 office in Citrus Heights 6199 Sunrise Mall, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +5 HELOCs |
0.5% | 54.5% | $250,000 | View |
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1 office in Citrus Heights 7850 Kingswood Dr, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +17 HELOCs |
0.4% | 80% | $257,500 | View |
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1 office in Citrus Heights 7381 Greenback Ln, Citrus Heights, CA 95621 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $15,000 | View |
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1 office in Citrus Heights 5610 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $365,000 | View |
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5901 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 22 +38 HELOCs |
1.9% | 88% | $272,272 | View |
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7475 Madison Ave, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 18 +35 HELOCs |
1.6% | 90% | $142,777 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 16 +26 HELOCs |
1.4% | 94.4% | $120,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 7 | 0.6% | 66.7% | $99,285 | View |
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6100 Birdcage Lane Suite 125, Citrus Heights, CA 95610 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 6 +5 HELOCs |
0.5% | 85.7% | $150,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 5 | 0.4% | 72.7% | $399,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA | 4 | 0.4% | 100% | $402,500 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 3 +1 HELOCs |
0.3% | 75% | $171,666 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, VA | 3 | 0.3% | 100% | $398,333 | |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 100% | $98,333 | View |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $80,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $220,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $675,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $495,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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3447 Atlantic Ave, Long Beach, CA 90807 A5.0 ★Texas Ratio: 6.01% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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7895 Lichen Dr, Citrus Heights, CA 95621 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.1% | 50% | $35,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 37 | 3.2% | 84.8% | $348,513 | |
Kind Lending, LLC
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Conventional, FHA, VA, HELOC | 36 +1 HELOCs |
3.2% | 83.7% | $328,055 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 29 | 2.5% | 93.5% | $367,758 | |
Guild Mortgage Company
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Conventional, FHA | 28 | 2.5% | 97.1% | $328,928 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 18 +1 HELOCs |
1.6% | 81.8% | $246,111 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
1.5% | 85% | $303,235 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 14 | 1.2% | 93.3% | $403,571 | |
Summit Funding.Inc
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Conventional | 12 | 1.1% | 100% | $370,000 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 11 | 1% | 84.6% | $432,272 | |
Provident Funding Associates
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Conventional | 9 | 0.8% | 69.2% | $416,111 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 5 | 0.4% | 62.5% | $375,000 | View |
Generations Home Loans, LLC
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Conventional, FHA | 5 | 0.4% | 100% | $379,000 | |
Zillow Home Loans, LLC
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Conventional | 5 | 0.4% | 100% | $393,000 | |
Nexera Holding LLC
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Conventional | 5 | 0.4% | 100% | $355,000 | |
JMAC Lending, Inc.
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Conventional, FHA, VA | 5 | 0.4% | 100% | $437,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA, VA | 4 | 0.4% | 66.7% | $352,500 | |
HomeXpress Mortgage Corp.
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Conventional, FHA | 4 | 0.4% | 80% | $397,500 | |
Nmsi, Inc.
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Conventional, FHA | 4 | 0.4% | 100% | $437,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.4% | 80% | $387,500 | |
Resicentral LLC
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Conventional | 3 | 0.3% | 100% | $481,666 | |
General Mortgage Capital Corporation
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Conventional | 3 | 0.3% | 100% | $375,000 | |
Intelliloan, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $321,666 | |
Carrington Mortgage Services LLC
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Conventional | 3 | 0.3% | 50% | $81,666 | |
Operating Engineers Federal Credit Union
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Conventional | 3 | 0.3% | 100% | $91,666 | |
Goodleap, LLC
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FHA, HELOC | 2 +4 HELOCs |
0.2% | 100% | $390,000 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $460,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $280,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.2% | 66.7% | $165,000 | |
Stg Mortgage Inc
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Conventional, FHA | 2 | 0.2% | 100% | $380,000 | |
Pacific Lending LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $485,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $265,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
West Coast Mortgage Group & Realty Co
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
The Police Credit Union of California
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Conventional | 1 | 0.1% | 100% | $65,000 | |
SnapFi, Inc.
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VA | 1 | 0.1% | 100% | $605,000 | |
Geo-Corp, Inc.
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Conventional | 1 | 0.1% | 100% | $425,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $315,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Figure Lending LLC
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HELOC | 0 +20 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 247 +15 HELOCs |
21.6% | 90.3% | $414,716 | |
Rocket Mortgage
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Conventional, FHA, VA | 136 | 11.9% | 81.5% | $283,088 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 56 +7 HELOCs |
4.9% | 96.9% | $395,892 | |
Newrez LLC
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Conventional, FHA, VA | 20 | 1.8% | 76.9% | $265,500 | |
Nationstar Mortgage
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Conventional, FHA | 20 | 1.8% | 95.2% | $161,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
1.5% | 100% | $309,705 | |
Spring Eq, LLC
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Conventional, HELOC | 13 +7 HELOCs |
1.1% | 46.4% | $96,538 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, HELOC | 13 +2 HELOCs |
1.1% | 93.3% | $346,538 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 13 | 1.1% | 81.8% | $404,230 | |
Triad Financial Services, Inc.
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Conventional | 13 | 1.1% | 66.7% | $120,384 | |
Mortgage Research Center
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VA | 13 | 1.1% | 59.1% | $451,153 | |
21St Mortgage
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Conventional | 12 | 1.1% | 44.4% | $121,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 10 | 0.9% | 91.7% | $351,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 9 | 0.8% | 47.4% | $123,888 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 7 | 0.6% | 87.5% | $220,714 | |
Canopy Mortgage, LLC
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Conventional, FHA | 7 | 0.6% | 100% | $409,285 | |
Churchill Mortgage Corporation
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Conventional, FHA | 7 | 0.6% | 77.8% | $335,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 6 | 0.5% | 100% | $431,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
0.4% | 83.3% | $439,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 5 | 0.4% | 100% | $319,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 5 | 0.4% | 100% | $351,000 | |
Better Mortgage Corporation
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Conventional, FHA, HELOC | 4 +2 HELOCs |
0.4% | 80% | $387,500 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $335,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 4 | 0.4% | 100% | $460,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 0.3% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.3% | 45.5% | $225,000 | |
NOVA Financial & Investment Corporation
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Conventional, FHA | 3 | 0.3% | 75% | $328,333 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 3 | 0.3% | 100% | $508,333 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $311,666 | |
Bay Equity LLC
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Conventional | 3 | 0.3% | 100% | $235,000 | |
New Day Financial, LLC.
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VA | 3 | 0.3% | 42.9% | $431,666 | |
Village Capital & Investment
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VA | 3 | 0.3% | 60% | $521,666 | |
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A5.0 ★Texas Ratio: 10.53% |
Conventional, HELOC | 2 +4 HELOCs |
0.2% | 100% | $390,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.2% | 66.7% | $455,000 | View |
Primelending
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FHA | 2 | 0.2% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.2% | 100% | $465,000 | View |
Discover Bank
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Conventional | 2 | 0.2% | 15.4% | $75,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.2% | 100% | $245,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.2% | 66.7% | $530,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.2% | 66.7% | $340,000 | View |
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A+5.0 ★Texas Ratio: 4.67% |
Conventional | 2 | 0.2% | 100% | $135,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.2% | 100% | $435,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.2% | 100% | $415,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +3 HELOCs |
0.1% | 50% | $375,000 | |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $165,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Go Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $565,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Directors Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $565,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.1% | 100% | $435,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 50% | $185,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 50% | $425,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Peak Residential Lending Inc
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Nation One Mortgage Corporatio
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FHA | 1 | 0.1% | 100% | $395,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 66.7% | $325,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Peoples Mortgage Company
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FHA | 1 | 0.1% | 100% | $395,000 | |
Empeople Credit Union
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Conventional | 1 | 0.1% | 100% | $35,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.1% | 100% | $515,000 | |
Lower, LLC
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VA | 1 | 0.1% | 50% | $525,000 | |
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A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 25% | $145,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +4 HELOCs |
0% | 0% | ||
Usalliance Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Citrus Heights Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Citrus Heights, California
Looking for mortgage lenders near me or mortgage brokers near me in Citrus Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Citrus Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Citrus Heights, CA
Use these to narrow the list above. Each category shows how many Citrus Heights, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Citrus Heights, CA
Independent mortgage companies closed 86.8 percent of home loans in Citrus Heights, California in 2025, banks 5.2 percent and credit unions 8.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 4 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Citrus Heights, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Citrus Heights, California with 10 loans, about 0.9 percent of the market. The largest lender headquartered in California was Bank of America NA with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Citrus Heights, California, The Loan Store, Inc approved the highest share of completed applications in 2025 at 96.9 percent, against a 82.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
55 lenders closed FHA loans in Citrus Heights, California in 2025, led by United Wholesale Mortgage with 63. 29 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 29 banks and 26 credit unions closed home loans in Citrus Heights, California in 2025, alongside 103 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Citrus Heights, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Citrus Heights, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Citrus Heights. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
