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Mortgage Lenders and Brokers in Elk Grove, California

Content reviewed by

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

Elk Grove, California mortgage lenders include US Bank, N.A.US Bank, N.A.9230 Elk Grove Florin Rd, Elk Grove, CA 95624A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5010 Elk Grove Blvd, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA5120 Laguna Blvd, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA5001 Laguna Blvd, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA7500 Elk Grove Blvd, Elk Grove, CA 95757A+5.0 ★Texas Ratio: 3.54%, PNC Bank N.A.PNC Bank N.A.9150 Elk Grove Florin Rd, Elk Grove, CA 95624A+5.0 ★Texas Ratio: 4.24%, River City BankRiver City Bank8923 Elk Grove Blvd, Elk Grove, CA 95624A+5.0 ★Texas Ratio: 0.00%, Bank of StocktonBank of Stockton8150 Laguna Blvd, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.21%, Banner BankBanner Bank9340 E Stockton Blvd, Elk Grove, CA 95624A+5.0 ★Texas Ratio: 2.91%, and Columbia BankColumbia Bank9610 Bruceville Rd, Elk Grove, CA 95757A+5.0 ★Texas Ratio: 2.28%. 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 Elk Grove, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elk Grove 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 Elk Grove, California

Market share is the lender's share of all home loans closed in Elk Grove, 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. 2 offices in Elk Grove 9230 Elk Grove Florin Rd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	74 +20 HELOCs	2.6%	77.1%	$457,972	View
JPMorgan Chase Bank, NA 4 offices in Elk Grove 5010 Elk Grove Blvd, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	37 +3 HELOCs	1.3%	93.2%	$507,972	View
Wells Fargo Bank NA 3 offices in Elk Grove 5120 Laguna Blvd, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	20	0.7%	80%	$342,000	View
Bank of America NA 3 offices in Elk Grove 5001 Laguna Blvd, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	8 +82 HELOCs	0.3%	66.7%	$526,250	View
BMO Harris Bank NA 2 offices in Elk Grove 7500 Elk Grove Blvd, Elk Grove, CA 95757 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +11 HELOCs	0.2%	85.7%	$648,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Elk Grove 9150 Elk Grove Florin Rd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +11 HELOCs	0.1%	80%	$542,500	View
River City Bank 1 office in Elk Grove 8923 Elk Grove Blvd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.1%	66.7%	$290,000	View
Bank of Stockton 1 office in Elk Grove 8150 Laguna Blvd, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.21%	Conventional, Jumbo	2	0.1%	66.7%	$285,000	View
Banner Bank 1 office in Elk Grove 9340 E Stockton Blvd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	1 +6 HELOCs	0%	100%	$325,000	View
Columbia Bank 1 office in Elk Grove 9610 Bruceville Rd, Elk Grove, CA 95757 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,525,000	View
Citibank, NA 1 office in Elk Grove 8225 Laguna Blvd, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$555,000	View
Farmers & Merchants Bank of Ce 1 office in Elk Grove 8799 Elk Grove Blvd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 0.87%	Conventional	1	0%	50%	$35,000	View
Schoolsfirst FCU 8255 Laguna Blvd Ste 180, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	57 +59 HELOCs	2%	86.4%	$138,157	View
The Golden 1 Credit Union 5050 Laguna Blvd Ste 116, Elk Grove, CA 95758 4151 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	38 +187 HELOCs	1.3%	79.6%	$404,473	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	18	0.6%	66.7%	$87,777	View
SAFE Credit Union 9312 Elk Grove Blvd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	12 +18 HELOCs	0.4%	100%	$107,500	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	11	0.4%	91.7%	$368,636	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	10	0.3%	64.7%	$236,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	9	0.3%	92.9%	$490,555	View
Patelco Credit Union 9121 E Stockton Blvd, Elk Grove, CA 95624 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	7 +17 HELOCs	0.2%	87.5%	$93,571	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	7	0.2%	87.5%	$559,285	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	6 +1 HELOCs	0.2%	70%	$460,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	5 +1 HELOCs	0.2%	83.3%	$295,000	View
El Dorado Savings Bank 9003 Elk Grove Blvd, Elk Grove, CA 95624 A+5.0 ★Texas Ratio: 0.41%	Conventional	5	0.2%	83.3%	$353,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	4 +2 HELOCs	0.1%	66.7%	$87,500	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo	4	0.1%	100%	$317,500	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	3 +1 HELOCs	0.1%	37.5%	$465,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	3	0.1%	100%	$291,666	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	3	0.1%	100%	$685,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	3	0.1%	100%	$455,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional, HELOC	2 +5 HELOCs	0.1%	100%	$80,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$90,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional	2	0.1%	100%	$710,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	2	0.1%	100%	$585,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	2	0.1%	100%	$535,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$65,000	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%	100%	$385,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$545,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$315,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$705,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0%	100%	$475,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0%	50%	$85,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0%	100%	$65,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0%	100%	$65,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0%	100%	$325,000
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +7 HELOCs	0%	0%		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +3 HELOCs	0%	n/a		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +2 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	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
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	102 +7 HELOCs	3.6%	86.7%	$451,078
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	51	1.8%	89.5%	$375,588
Kind Lending, LLC	Conventional, FHA, VA	40	1.4%	83.3%	$422,000
Guild Mortgage Company	Conventional, FHA, VA	37	1.3%	95.2%	$471,216
General Mortgage Capital Corporation	Conventional	37	1.3%	100%	$405,540
American Pacific Mortgage Corporation	Conventional, FHA, VA	28	1%	90.3%	$450,357
Paramount Residential Mortgage	Conventional, FHA, VA	26	0.9%	100%	$500,000
Nmsi, Inc.	Conventional, FHA, Jumbo	22	0.8%	100%	$494,545
Provident Funding Associates	Conventional	21	0.7%	95.8%	$513,095
AmWest Funding Corp	Conventional, Jumbo, HELOC	20 +2 HELOCs	0.7%	91.3%	$455,000
Googain, Inc.	Conventional	19	0.7%	100%	$425,526
New American Funding, LLC.	Conventional, FHA, VA, HELOC	15 +3 HELOCs	0.5%	88.2%	$418,333
Land Home Financial Services,	Conventional, FHA, VA	15	0.5%	100%	$519,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	15	0.5%	100%	$451,666
New Wave Lending Group Inc	Conventional	12	0.4%	100%	$429,166
Summit Funding.Inc	Conventional, FHA	11	0.4%	100%	$475,909
Alameda Mortgage Corporation	Conventional, FHA	10	0.3%	100%	$460,000
Constant Investments, Inc	Conventional	9	0.3%	100%	$467,222
Generations Home Loans, LLC	Conventional, FHA, Jumbo	9	0.3%	90%	$507,222
JMAC Lending, Inc.	Conventional, FHA	9	0.3%	100%	$487,222
Fidelity Lending Solutions Inc	Conventional	8	0.3%	100%	$532,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	8	0.3%	100%	$437,500	View
Resicentral LLC	Conventional, FHA, VA	7	0.2%	100%	$545,000
AdvantageFirst Lending Inc	FHA	6	0.2%	85.7%	$543,333
HomeXpress Mortgage Corp.	Conventional, FHA, Jumbo	6	0.2%	50%	$745,000
Royal Pacific Funding	Conventional, FHA	6	0.2%	100%	$471,666
Zillow Home Loans, LLC	Conventional, FHA, VA	6	0.2%	100%	$576,666
Hometown Equity Mortgage, LLC	Conventional	5	0.2%	55.6%	$541,000
Bridgeway Lending Partners, LLC	Conventional	4	0.1%	100%	$392,500
Carrington Mortgage Services LLC	Conventional, FHA, VA, Jumbo	4	0.1%	25%	$485,000
Mission Loans, LLC	Conventional, FHA, HELOC	3 +1 HELOCs	0.1%	75%	$308,333
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	100%	$515,000
Bay-Valley Mortgage Group	Conventional, FHA	3	0.1%	100%	$481,666
JSB Mortgage Corporation	Conventional	3	0.1%	100%	$545,000
Nexera Holding LLC	Conventional	3	0.1%	75%	$421,666
AAA Capital Investment, Inc	Conventional	2	0.1%	100%	$245,000
Golden Empire Mortgage, Inc.	Conventional	2	0.1%	100%	$315,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	2	0.1%	66.7%	$345,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	100%	$585,000
Catalyst Mortgage	FHA	2	0.1%	100%	$525,000
Flexpoint, Inc.	Conventional	2	0.1%	100%	$530,000
Franklin Loan Corporation	FHA	2	0.1%	100%	$595,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$640,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	100%	$500,000
Plaza Home Mortgage, Inc	FHA	2	0.1%	100%	$520,000
Goodleap, LLC	VA, HELOC	1 +7 HELOCs	0%	100%	$565,000
Cornerstone First Mortgage, LLC	FHA	1	0%	100%	$445,000
MortgageOne, Inc	Conventional	1	0%	100%	$605,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$505,000
Victoria Financial Corp	Conventional	1	0%	100%	$805,000
West Coast Mortgage Group & Realty Co	Conventional	1	0%	100%	$585,000
Dignified Home Loans LLC	Conventional	1	0%	100%	$565,000
Stg Mortgage Inc	Conventional	1	0%	100%	$675,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$175,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$95,000	View
The Police Credit Union of California	Conventional	1	0%	100%	$115,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$455,000
T. J. Financial, Inc.	Conventional	1	0%	100%	$425,000
ClearEdge Lending LLC	Conventional	1	0%	50%	$435,000
Vista Point Mortgage, LLC	Conventional	1	0%	50%	$205,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$495,000
Figure Lending LLC	HELOC	0 +40 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	388 +41 HELOCs	13.5%	90%	$535,592
Rocket Mortgage	Conventional, FHA, VA, Jumbo	338	11.8%	86.7%	$362,988
Kbhs Home Loans, LLC	Conventional, FHA, VA	149	5.2%	90.9%	$531,711
Universal Lending Corporation A-5.0 ★Texas Ratio: 14.64%	Conventional, FHA, VA, Jumbo	127	4.4%	96.2%	$563,110	View
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA, Jumbo	115	4%	89.1%	$557,260
The Loan Store, Inc	Conventional, FHA, HELOC	80 +11 HELOCs	2.8%	98.8%	$467,625
Lennar Mortgage, LLC	Conventional, FHA, VA	76	2.7%	92.7%	$534,736
Spring Eq, LLC	Conventional, HELOC	52 +17 HELOCs	1.8%	55.1%	$97,884
Nationstar Mortgage	Conventional, FHA, VA	50	1.7%	82.5%	$229,000
Homeamerican Mortgage Corporation	Conventional, FHA, VA	39	1.4%	92.9%	$535,512
Newrez LLC	Conventional, FHA, VA	33	1.2%	70.8%	$368,636
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	30	1%	93%	$535,666
CrossCountry Mortgage, LLC	Conventional, FHA	29	1%	93.8%	$523,620
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	21 +1 HELOCs	0.7%	100%	$421,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	19 +7 HELOCs	0.7%	87%	$239,736
Discover Bank	Conventional	14	0.5%	35.9%	$105,000
Mortgage Research Center	Conventional, VA	13	0.5%	65%	$581,923
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	12 +1 HELOCs	0.4%	85.7%	$405,000
Guaranteed Rate, Inc.	Conventional, VA, HELOC	11 +3 HELOCs	0.4%	100%	$538,636
Amerisave Mortgage Company	Conventional, FHA, VA	11	0.4%	29.7%	$253,181
Canopy Mortgage, LLC	Conventional, VA	10	0.3%	100%	$461,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	10	0.3%	100%	$614,000	View
Lakeview Loan Servicing, LLC	Conventional, VA, Jumbo	9	0.3%	40.5%	$283,888
Guidance Residential, LLC	Conventional	9	0.3%	100%	$505,000
Fairway Independent Mort Corp	Conventional	9	0.3%	100%	$453,888
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	8 +1 HELOCs	0.3%	100%	$611,250	View
Equity Prime Mortgage LLC	FHA, VA	8	0.3%	100%	$507,500
PHH Mortgage Corporation	Conventional, FHA, VA	8	0.3%	100%	$413,750
Lower, LLC	Conventional, FHA, VA	7	0.2%	100%	$472,142
Union Home Mortgage Corp.	Conventional, FHA, HELOC	6 +1 HELOCs	0.2%	100%	$488,333
Primelending	Conventional, FHA	6	0.2%	100%	$373,333
Ark-La-Tex Financial Services LLC	Conventional	6	0.2%	85.7%	$491,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.2%	100%	$339,000	View
NOVA Financial & Investment Corporation	Conventional, FHA, VA	5	0.2%	100%	$649,000
Sage Home Loans Corporation	Conventional	5	0.2%	87.5%	$603,000
Bay Equity LLC	Conventional	5	0.2%	100%	$485,000
First Colony Mortgage Corporat	Conventional, VA, Jumbo	5	0.2%	100%	$683,000
Planet Home Lending, LLC	Conventional, FHA, VA	5	0.2%	83.3%	$645,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	5	0.2%	100%	$543,000	View
Better Mortgage Corporation	Conventional, HELOC	4 +4 HELOCs	0.1%	50%	$340,000
Nbkc Bank	Conventional	4	0.1%	80%	$460,000
Deephaven Mortgage LLC	Conventional	4	0.1%	66.7%	$472,500
Mutual of Omaha Mortgage	Conventional, VA	4	0.1%	83.3%	$452,500
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +10 HELOCs	0.1%	37.5%	$151,666	View
Genisys Credit Union	Conventional, Jumbo	3	0.1%	100%	$901,666
Go Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$545,000
Loanunited.Com, LLC	Conventional, FHA, VA	3	0.1%	75%	$575,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.1%	60%	$485,000	View
V.I.P. Mortgage, Inc.	Conventional	3	0.1%	100%	$305,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	3	0.1%	100%	$638,333	View
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	3	0.1%	75%	$401,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.1%	75%	$408,333	View
Industrial and Commercial Bank of China (USA) NA	Conventional	3	0.1%	100%	$331,666
Tomo Mortgage LLC	Conventional	3	0.1%	75%	$561,666
Champions Funding, LLC	Conventional	3	0.1%	50%	$421,666
Quorum Federal Credit Union	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$215,000
American Financial Resources LLC	Conventional	2	0.1%	100%	$440,000
Directors Mortgage, Inc	Conventional	2	0.1%	100%	$300,000
Triad Financial Services, Inc.	Conventional	2	0.1%	80%	$170,000
Data Mortgage, Inc	Conventional	2	0.1%	100%	$445,000
Click n' Close, Inc.	FHA	2	0.1%	100%	$285,000
American Financing Corporation	Conventional	2	0.1%	50%	$430,000
Homeowners Financial Group, LLC	Conventional, FHA	2	0.1%	100%	$285,000
New Day Financial, LLC.	VA	2	0.1%	25%	$420,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$505,000	View
Genway Home Mortgage, Inc.	FHA, VA	2	0.1%	100%	$690,000
Nations Direct Mortgage, LLC	Conventional, VA, Jumbo	2	0.1%	50%	$445,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$495,000	View
Village Capital & Investment	FHA, VA	2	0.1%	50%	$575,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +10 HELOCs	0%	33.3%	$625,000
Alliant Credit Union	Conventional, HELOC	1 +5 HELOCs	0%	100%	$425,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	33.3%	$255,000
Valon Mortgage	FHA, HELOC	1 +2 HELOCs	0%	100%	$175,000
Digital Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$475,000
First Technology Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$585,000
Arc Home LLC	Conventional	1	0%	50%	$505,000
Originpoint, LLC	Conventional	1	0%	100%	$225,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$515,000	View
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$165,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$305,000	View
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$475,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$305,000	View
Everett Financial, Inc.	FHA	1	0%	100%	$785,000
Advancial Federal Credit Union	Conventional	1	0%	100%	$545,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$715,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$705,000
Emporium Tpo LLC	Conventional	1	0%	100%	$725,000
Clm Mortgage, Inc	Conventional	1	0%	100%	$465,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$255,000	View
Michigan Mutual, Inc	Conventional	1	0%	100%	$465,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$465,000
City 1st Mortgage Services, LC	Conventional	1	0%	100%	$705,000
Das Acquisition Company, LLC	Conventional	1	0%	100%	$105,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$565,000
Credit Human Federal Credit Un	Conventional	1	0%	100%	$75,000
Citizens Equity First Credit U	Conventional	1	0%	100%	$585,000
Kwik Mortgage Corporation	Conventional	1	0%	100%	$405,000
Ameritrust Mortgage Corporation	Conventional	1	0%	100%	$415,000
Nfm, Inc	Conventional	1	0%	100%	$695,000
Foundation Mortgage Corporation	Conventional	1	0%	100%	$455,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$615,000	View
Teachers Federal Credit Union	Conventional	1	0%	100%	$355,000
Vellum Mortgage, Inc.	Conventional	1	0%	100%	$465,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional	1	0%	100%	$525,000	View
Self Help Federal Credit Union	Conventional	1	0%	100%	$325,000
Tjc Mortgage Inc	VA	1	0%	100%	$655,000
Uif Corporation	Conventional	1	0%	100%	$505,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$475,000
Mortgage Solutions of Colorado	VA	1	0%	100%	$595,000
Logan Finance Corporation	Conventional	1	0%	100%	$695,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$265,000
Ussfcu	Conventional	1	0%	50%	$125,000
Right Start Mortgage, Inc	FHA	1	0%	100%	$595,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0%	100%	$605,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0%	100%	$195,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +23 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' 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.

Elk Grove 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 Elk Grove, California

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

Types of Mortgage Lenders in Elk Grove, CA

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

Mortgage companies and brokers 147 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 67 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 50 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 26 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 105 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Elk Grove, CA

Independent mortgage companies closed 83.7 percent of home loans in Elk Grove, California in 2025, banks 9.4 percent and credit unions 6.9 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 8 loans.

83.7%

Mortgage companies

9.4%

Banks

6.9%

Credit unions

11%

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 Elk Grove, CA

Who is the largest mortgage lender in Elk Grove, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Elk Grove, California with 74 loans, about 2.6 percent of the market. The largest lender headquartered in California was Bank of America NA with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Elk Grove, CA have the highest approval rates?

Among lenders with meaningful volume in Elk Grove, California, The Loan Store, Inc approved the highest share of completed applications in 2025 at 98.8 percent, against a 85.2 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 Elk Grove, CA mortgage lenders offer FHA, VA and USDA loans?

67 lenders closed FHA loans in Elk Grove, California in 2025, led by United Wholesale Mortgage with 58. 50 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 Elk Grove, CA lender list?

Yes. 47 banks and 48 credit unions closed home loans in Elk Grove, California in 2025, alongside 147 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 Elk Grove, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Elk Grove, 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 Elk Grove, 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 Elk Grove. 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.