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Mortgage Lenders and Brokers in El Dorado Hills, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

El Dorado Hills, California mortgage lenders include US Bank, N.A.US Bank, N.A.2207 Francisco Dr, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA4355 Town Center Blvd, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3377 Bass Lake Rd, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4363 Town Center Blvd, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank3880 El Dorado Hills Blvd, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 2.28%, Mechanics BankMechanics Bank4354 Town Center Blvd, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 1.81%, El Dorado Savings BankEl Dorado Savings Bank3963 Park Dr, El Dorado Hills, CA 95762A+5.0 ★Texas Ratio: 0.41%, The Golden 1 Credit UnionThe Golden 1 Credit Union4311 Town Center Blvd Ste 400, El Dorado Hills, CA 95762 7110A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 El Dorado Hills, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in El Dorado Hills 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 El Dorado Hills, California

Market share is the lender's share of all home loans closed in El Dorado Hills, 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
US Bank, N.A. 1 office in El Dorado Hills 2207 Francisco Dr, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	45 +15 HELOCs	4.2%	82.8%	$887,888	View
Wells Fargo Bank NA 2 offices in El Dorado Hills 4355 Town Center Blvd, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	17	1.6%	81%	$799,117	View
Bank of America NA 2 offices in El Dorado Hills 3377 Bass Lake Rd, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	14 +36 HELOCs	1.3%	93.3%	$895,000	View
JPMorgan Chase Bank, NA 3 offices in El Dorado Hills 4363 Town Center Blvd, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	14 +1 HELOCs	1.3%	84.2%	$820,000	View
Columbia Bank 1 office in El Dorado Hills 3880 El Dorado Hills Blvd, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	2 +6 HELOCs	0.2%	100%	$1,730,000	View
Mechanics Bank 1 office in El Dorado Hills 4354 Town Center Blvd, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +2 HELOCs	0%	0%		View
El Dorado Savings Bank 3963 Park Dr, El Dorado Hills, CA 95762 A+5.0 ★Texas Ratio: 0.41%	Conventional	17	1.6%	94.7%	$261,470	View
The Golden 1 Credit Union 4311 Town Center Blvd Ste 400, El Dorado Hills, CA 95762 7110 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	11 +84 HELOCs	1%	78.6%	$829,545	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	9 +18 HELOCs	0.8%	69.2%	$356,111	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.6%	85.7%	$278,333	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.5%	62.5%	$1,259,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.5%	100%	$2,083,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	5	0.5%	83.3%	$649,000	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	5	0.5%	83.3%	$113,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	4	0.4%	100%	$877,500
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	3 +12 HELOCs	0.3%	100%	$405,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.3%	100%	$565,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	3 +3 HELOCs	0.3%	100%	$311,666	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	3	0.3%	100%	$1,228,333	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	2 +5 HELOCs	0.2%	66.7%	$300,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.2%	50%	$1,185,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	2	0.2%	100%	$1,070,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.2%	100%	$860,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	2	0.2%	66.7%	$585,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.2%	66.7%	$1,185,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	1 +12 HELOCs	0.1%	50%	$135,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$65,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	33.3%	$1,405,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$785,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$115,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0.1%	100%	$1,445,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.1%	100%	$1,495,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$105,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0.1%	100%	$2,035,000	View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$205,000	View
Mission City Federal Credit Union 1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0.1%	100%	$45,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$105,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	1	0.1%	100%	$835,000	View
Bank of Marin ★ 2 stars, 1 review 2208 S Shore Ctr, Alameda, CA 94501 A+5.0 ★Texas Ratio: 2.03%	Conventional	1	0.1%	50%	$155,000	View
San Joaquin Power Employees Credit Union 1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17%	Conventional	1	0.1%	100%	$275,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$695,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0.1%	100%	$615,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$255,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +3 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	HELOC	0 +1 HELOCs	0%	n/a		View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	HELOC	0 +1 HELOCs	0%	n/a		View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	33	3.1%	91.7%	$694,090
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	23 +2 HELOCs	2.1%	88.9%	$469,782
American Pacific Mortgage Corporation	Conventional, FHA	20	1.9%	95.2%	$627,500
Guild Mortgage Company	Conventional, FHA, Jumbo	17	1.6%	100%	$610,294
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	16	1.5%	88.9%	$696,250
Paramount Residential Mortgage	Conventional, FHA, Jumbo	11	1%	100%	$732,272
Provident Funding Associates	Conventional	9	0.8%	100%	$527,222
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	7 +1 HELOCs	0.6%	100%	$575,000
Generations Home Loans, LLC	Conventional, FHA	6	0.6%	100%	$531,666
JMAC Lending, Inc.	Conventional, FHA	5	0.5%	100%	$581,000
Stg Mortgage Inc	Conventional	4	0.4%	80%	$500,000
Summit Funding.Inc	Conventional, FHA	4	0.4%	80%	$497,500
Nexera Holding LLC	Conventional, Jumbo	4	0.4%	100%	$1,175,000
Resicentral LLC	Conventional	3	0.3%	100%	$611,666
ResMac Inc	Conventional, Jumbo	3	0.3%	100%	$2,448,333
AmWest Funding Corp	Conventional	3	0.3%	100%	$635,000
JMJ Financial Group Inc.	Conventional	3	0.3%	100%	$418,333
New American Funding, LLC.	Conventional, VA, Jumbo	3	0.3%	75%	$658,333
Carrington Mortgage Services LLC	Conventional, FHA	3	0.3%	30%	$268,333
Cake Mortgage Corp.	Conventional, Jumbo	3	0.3%	100%	$1,595,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, HELOC	2 +1 HELOCs	0.2%	66.7%	$730,000	View
Alameda Mortgage Corporation	Conventional, Jumbo	2	0.2%	100%	$695,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	2	0.2%	100%	$830,000
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	2	0.2%	100%	$480,000
General Mortgage Capital Corporation	Conventional	2	0.2%	100%	$665,000
HomeXpress Mortgage Corp.	Conventional, VA	2	0.2%	40%	$410,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA	2	0.2%	100%	$270,000	View
Lendsure Mortgage Corp.	Conventional	2	0.2%	100%	$725,000
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$565,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
MortgageOne, Inc	Conventional	1	0.1%	100%	$505,000
5Th Sreet Capital Inc.	Conventional	1	0.1%	100%	$575,000
Bridgeway Lending Partners, LLC	Conventional, Jumbo	1	0.1%	100%	$1,125,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$555,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0.1%	100%	$875,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$415,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$685,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$555,000
Dignified Home Loans LLC	Conventional	1	0.1%	100%	$275,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
JSB Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$2,145,000
Hometown Equity Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,445,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$275,000
SnapFi, Inc.	Conventional	1	0.1%	100%	$505,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$735,000
Southland Credit Uniom	Conventional, Jumbo	1	0.1%	100%	$1,205,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$925,000
ClearEdge Lending LLC	Conventional, Jumbo	1	0.1%	100%	$1,365,000
Nmsi, Inc.	Conventional, Jumbo	1	0.1%	100%	$2,455,000
Operating Engineers Federal Credit Union	Conventional	1	0.1%	100%	$45,000
Plaza Home Mortgage, Inc	VA	1	0.1%	33.3%	$505,000
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,495,000
Figure Lending LLC	HELOC	0 +20 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	177 +22 HELOCs	16.4%	95.3%	$667,598
Rocket Mortgage	Conventional, FHA, VA, Jumbo	129	11.9%	85.1%	$508,255
Lennar Mortgage, LLC	Conventional, FHA, VA	77	7.1%	97.5%	$346,558
The Loan Store, Inc	Conventional, VA, Jumbo, HELOC	30 +7 HELOCs	2.8%	97.2%	$599,666
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo	16	1.5%	94.1%	$955,625
Spring Eq, LLC	Conventional, Jumbo, HELOC	15 +5 HELOCs	1.4%	61.5%	$176,333
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, Jumbo, HELOC	13 +1 HELOCs	1.2%	100%	$764,230	View
Guaranteed Rate, Inc.	Conventional	12	1.1%	100%	$496,666
Universal Lending Corporation A-5.0 ★Texas Ratio: 14.64%	Conventional, VA, Jumbo	11	1%	91.7%	$776,818	View
Newrez LLC	Conventional, Jumbo	7	0.6%	50%	$525,000
Nationstar Mortgage	Conventional	7	0.6%	53.8%	$200,714
Mortgage Research Center	VA, Jumbo	7	0.6%	66.7%	$816,428
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	6	0.6%	100%	$666,666
Lakeview Loan Servicing, LLC	Conventional, FHA	6	0.6%	61.5%	$403,333
Toll Brothers Mortgage Company	Conventional, VA, Jumbo	6	0.6%	100%	$785,000
Union Home Mortgage Corp.	Conventional, Jumbo	6	0.6%	100%	$783,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	6	0.6%	100%	$520,000	View
Better Mortgage Corporation	Conventional, HELOC	5 +1 HELOCs	0.5%	100%	$457,000
Freedom Mortgage Corporation	Conventional	4	0.4%	100%	$465,000
Canopy Mortgage, LLC	Conventional	4	0.4%	100%	$602,500
Movement Mortgage, LLC	Conventional, VA, Jumbo	4	0.4%	85.7%	$792,500
Amerisave Mortgage Company	Conventional, Jumbo	4	0.4%	44.4%	$187,500
Bay Equity LLC	Conventional	4	0.4%	100%	$475,000
Boeing Employees' Credit Union	Conventional, Jumbo	4	0.4%	100%	$1,097,500
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.4%	100%	$1,057,500	View
Champions Funding, LLC	Conventional, Jumbo	4	0.4%	66.7%	$687,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +4 HELOCs	0.3%	75%	$295,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +3 HELOCs	0.3%	100%	$705,000
Everett Financial, Inc.	Conventional	3	0.3%	100%	$505,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	3	0.3%	100%	$788,333	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.3%	100%	$1,208,333	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$2,125,000
Originpoint, LLC	Conventional, Jumbo	2	0.2%	100%	$805,000
First Community Mortgage, Inc.	Conventional	2	0.2%	100%	$745,000
Go Mortgage, LLC	Conventional	2	0.2%	100%	$460,000
Triad Financial Services, Inc.	Conventional	2	0.2%	100%	$105,000
Dart Bank	Conventional, Jumbo	2	0.2%	100%	$1,030,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	2	0.2%	100%	$580,000	View
Filo Mortgage, LLC	Conventional	2	0.2%	100%	$615,000
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.2%	50%	$700,000
Nqm Funding, LLC	Conventional, Jumbo	2	0.2%	100%	$1,405,000
Nasa Federal Credit Union	Conventional	2	0.2%	100%	$160,000
21St Mortgage	Conventional	2	0.2%	100%	$120,000
Luxury Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$930,000
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +11 HELOCs	0.1%	100%	$1,195,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +11 HELOCs	0.1%	100%	$565,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +6 HELOCs	0.1%	25%	$165,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$245,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$635,000	View
First Technology Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$805,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$555,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$965,000	View
Primelending	Conventional	1	0.1%	100%	$755,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$555,000
Sage Home Loans Corporation	Conventional	1	0.1%	66.7%	$505,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$805,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$505,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$575,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$685,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$415,000	View
Discover Bank	Conventional	1	0.1%	14.3%	$145,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$765,000
First Colony Mortgage Corporat	Conventional	1	0.1%	50%	$765,000
Weichert Financial Services	Conventional, Jumbo	1	0.1%	100%	$1,765,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$305,000
Nfm, Inc	Conventional	1	0.1%	100%	$505,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$645,000	View
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$685,000	View
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$625,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	33.3%	$295,000	View
Peoples Mortgage Company	Conventional	1	0.1%	100%	$595,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$635,000	View
Crystal Lake Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.94%	Conventional, Jumbo	1	0.1%	100%	$1,265,000	View
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo	1	0.1%	100%	$1,165,000	View
Macatawa Bank, N.A. A+5.0 ★Texas Ratio: 0.50%	Conventional, Jumbo	1	0.1%	100%	$1,665,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	1	0.1%	100%	$885,000	View
Security National Bank of Omaha A5.0 ★Texas Ratio: 7.85%	Conventional, Jumbo	1	0.1%	100%	$895,000	View
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$495,000
Wings Financial Credit Union A+5.0 ★Texas Ratio: 2.07%	Conventional	1	0.1%	100%	$495,000	View
Genway Home Mortgage, Inc.	VA	1	0.1%	100%	$305,000
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$2,925,000
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$635,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$545,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$565,000
Lower, LLC	Conventional	1	0.1%	100%	$435,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0.1%	100%	$1,345,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$805,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	100%	$95,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$635,000
Leaderone Financial Corp.	Conventional, Jumbo	1	0.1%	100%	$2,165,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$515,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$745,000	View
Village Capital & Investment	VA	1	0.1%	100%	$625,000
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	100%
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
Great Lakes Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

El Dorado Hills Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in El Dorado Hills, California

Looking for mortgage lenders near me or mortgage brokers near me in El Dorado Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in El Dorado Hills in 2025, with lenders based there listed first.

Types of Mortgage Lenders in El Dorado Hills, CA

Use these to narrow the list above. Each category shows how many El Dorado Hills, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 117 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 55 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 22 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 20 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 81 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 92 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in El Dorado Hills, CA

Independent mortgage companies closed 77.1 percent of home loans in El Dorado Hills, California in 2025, banks 16.9 percent and credit unions 6 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 14 loans.

77.1%

Mortgage companies

16.9%

Banks

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in El Dorado Hills, CA

Who is the largest mortgage lender in El Dorado Hills, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in El Dorado Hills, California with 45 loans, about 4.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in El Dorado Hills, CA have the highest approval rates?

Among lenders with meaningful volume in El Dorado Hills, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 97.5 percent, against a 87.5 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.

Which El Dorado Hills, CA mortgage lenders offer FHA, VA and USDA loans?

22 lenders closed FHA loans in El Dorado Hills, California in 2025, led by United Wholesale Mortgage with 10. 20 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this El Dorado Hills, CA lender list?

Yes. 55 banks and 42 credit unions closed home loans in El Dorado Hills, California in 2025, alongside 117 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.

How are mortgage lenders in El Dorado Hills, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in El Dorado Hills, 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 El Dorado Hills, 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 El Dorado Hills. 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.