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Mortgage Lenders and Brokers in Folsom, California

Content reviewed by

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

Folsom, California mortgage lenders include US Bank, N.A.US Bank, N.A.1900 Prairie City Rd, Folsom, CA 95630A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1012 Riley St, Folsom, CA 95630A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1113 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA200 Palladio Pkwy, Folsom, CA 95630A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA1000 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 3.54%, SAFE Credit UnionSAFE Credit Union2740 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 3.24%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Columbia BankColumbia Bank2779 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 2.28%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1320 E Bidwell St, Folsom, CA 95630A5.0 ★Texas Ratio: 7.72%, and Banner BankBanner Bank701 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 2.91%. 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 Folsom, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Folsom 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 Folsom, California

Market share is the lender's share of all home loans closed in Folsom, 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 Folsom 1900 Prairie City Rd, Folsom, CA 95630 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	61 +15 HELOCs	3.5%	91.2%	$661,393	View
JPMorgan Chase Bank, NA 2 offices in Folsom 1012 Riley St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	29 +1 HELOCs	1.7%	93.8%	$719,137	View
Wells Fargo Bank NA 2 offices in Folsom 1113 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	25	1.5%	89.3%	$580,600	View
Bank of America NA 2 offices in Folsom 200 Palladio Pkwy, Folsom, CA 95630 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	12 +36 HELOCs	0.7%	70.6%	$728,333	View
BMO Harris Bank NA 1 office in Folsom 1000 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	7 +3 HELOCs	0.4%	77.8%	$910,714	View
SAFE Credit Union 2740 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	5 +25 HELOCs	0.3%	83.3%	$257,000	View
Flagstar Bank NA 1 office in Folsom 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	4	0.2%	80%	$1,177,500	View
Columbia Bank 1 office in Folsom 2779 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$505,000	View
First Ciitizens Bank and Trust 1 office in Folsom 1320 E Bidwell St, Folsom, CA 95630 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000	View
Banner Bank 1 office in Folsom 701 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +5 HELOCs	0%	n/a		View
Tri Counties Bank 1 office in Folsom 25065 Blue Ravine Rd, Folsom, CA 95630 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +4 HELOCs	0%	n/a		View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	7	0.4%	87.5%	$469,285
Schoolsfirst FCU 1010 Riley St Ste 5, Folsom, CA 95630 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	28 +24 HELOCs	1.6%	90.6%	$305,000	View
The Golden 1 Credit Union 1117 E Bidwell St, Folsom, CA 95630 5538 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	23 +88 HELOCs	1.3%	76.7%	$812,391	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	15	0.9%	100%	$564,333	View
River City Bank 5650 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 0.00%	Conventional	11	0.6%	100%	$85,909	View
Sacramento Credit Union 1705 Iron Point Rd Ste 100, Folsom, CA 95630 A+5.0 ★Texas Ratio: 0.33%	Conventional, Jumbo	11	0.6%	91.7%	$429,545	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	9	0.5%	90%	$317,222	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	7 +2 HELOCs	0.4%	100%	$983,571	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	6 +3 HELOCs	0.3%	100%	$235,000	View
Patelco Credit Union 1300 E Bidwell St Ste 155, Folsom, CA 95630 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	5 +11 HELOCs	0.3%	85.7%	$307,000	View
El Dorado Savings Bank 300 E Bidwell St, Folsom, CA 95630 A+5.0 ★Texas Ratio: 0.41%	Conventional, Jumbo	5	0.3%	83.3%	$349,000	View
Provident Credit Union 2475 Iron Point Rd Ste 110, Folsom, CA 95630 8755 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	4 +10 HELOCs	0.2%	100%	$632,500	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo	4	0.2%	87.5%	$857,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.2%	100%	$791,666	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	0.2%	100%	$678,333	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	2	0.1%	100%	$870,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, Jumbo	2	0.1%	100%	$845,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	2	0.1%	100%	$1,155,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$75,000	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%	$765,000	View
First Western Trust Bank 1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0.1%	100%	$385,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	1	0.1%	100%	$895,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$495,000
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional, Jumbo	1	0.1%	100%	$995,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$65,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0.1%	50%	$985,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0.1%	100%	$545,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$645,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$75,000	View
Bank of Stockton 229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	50%	$255,000	View
Amalgamated Bank 255 California St Ste 600, San Francisco, CA 94111 A5.0 ★Texas Ratio: 11.81%	Conventional	1	0.1%	100%	$325,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$35,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	1	0.1%	100%	$1,265,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional	1	0.1%	100%	$35,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +3 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +2 HELOCs	0%	0%		View
Heritage Community Credit Union 13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004 A+5.0 ★Texas Ratio: 5.95%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	0%		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
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	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
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	0%		View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	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
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	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	44	2.6%	88.2%	$668,863
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	38 +3 HELOCs	2.2%	79.2%	$543,157
Guild Mortgage Company	Conventional, FHA, VA	32	1.9%	94.6%	$531,250
Provident Funding Associates	Conventional	29	1.7%	93.5%	$595,000
American Pacific Mortgage Corporation	Conventional, FHA	22	1.3%	95.7%	$538,181
Kind Lending, LLC	Conventional, VA, Jumbo, HELOC	17 +2 HELOCs	1%	89.5%	$455,000
New American Funding, LLC.	Conventional	10	0.6%	100%	$394,000
AmWest Funding Corp	Conventional, HELOC	7 +1 HELOCs	0.4%	77.8%	$680,714
Stg Mortgage Inc	Conventional, FHA, Jumbo	7	0.4%	100%	$562,142
Resicentral LLC	Conventional, FHA, VA	6	0.3%	100%	$550,000
Googain, Inc.	Conventional	6	0.3%	100%	$506,666
Paramount Residential Mortgage	Conventional, VA, Jumbo	6	0.3%	100%	$651,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	5	0.3%	100%	$517,000	View
Nmsi, Inc.	Conventional	5	0.3%	100%	$537,000
JMAC Lending, Inc.	Conventional	5	0.3%	100%	$609,000
General Mortgage Capital Corporation	Conventional	4	0.2%	100%	$535,000
New Wave Lending Group Inc	Conventional	4	0.2%	100%	$462,500
American Financial Network, Inc.	Conventional, VA	3	0.2%	100%	$595,000
Ony Glo, Inc.	Conventional	3	0.2%	100%	$238,333
Hometown Equity Mortgage, LLC	Conventional	3	0.2%	75%	$501,666
Alameda Mortgage Corporation	Conventional	2	0.1%	100%	$710,000
MortgageOne, Inc	Conventional, VA	2	0.1%	100%	$580,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.1%	100%	$500,000
Bridgeway Lending Partners, LLC	Conventional, Jumbo	2	0.1%	100%	$555,000
AdvantageFirst Lending Inc	Conventional, VA	2	0.1%	100%	$665,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.1%	66.7%	$1,440,000
Linked Home Loans, LLC dba Home Guide Mortgage	Conventional	2	0.1%	100%	$525,000
Southland Credit Uniom	Conventional	2	0.1%	100%	$490,000
Summit Funding.Inc	FHA, VA	2	0.1%	100%	$500,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.1%	100%	$515,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.1%	100%	$890,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$350,000
Carrington Mortgage Services LLC	Conventional, VA	2	0.1%	100%	$555,000
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.1%	50%	$570,000
Vista Point Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$515,000
SnapFi, Inc.	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$565,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$625,000
Pacific Lending LLC	Conventional	1	0.1%	100%	$755,000
Infinity Equity Group, Inc.	Conventional	1	0.1%	100%	$205,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$635,000
PFN Lending Group, Inc.	Conventional	1	0.1%	50%	$665,000
Hightechlending, Inc	VA	1	0.1%	100%	$785,000
First Stardand Financial dba Nexcap Home Loans	Conventional	1	0.1%	100%	$765,000
Victoria Financial Corp	Conventional	1	0.1%	100%	$555,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$675,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$685,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$545,000
Intelliloan, Inc.	Conventional	1	0.1%	100%	$595,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$505,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$715,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$655,000
Coastal Funding SLC, Inc.	Conventional	1	0.1%	100%	$645,000
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	289 +17 HELOCs	16.8%	92%	$595,242
Rocket Mortgage	Conventional, FHA, VA, Jumbo	220	12.8%	86.4%	$542,681
Lennar Mortgage, LLC	Conventional, FHA, VA, Jumbo	82	4.8%	93.2%	$587,926
Toll Brothers Mortgage Company	Conventional, VA, Jumbo	65	3.8%	91.2%	$504,230
Taylor Morrison Home Funding, Inc.	Conventional, VA	52	3%	89.7%	$627,115
The Loan Store, Inc	Conventional, Jumbo, HELOC	51 +7 HELOCs	3%	96.4%	$520,490
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	24 +1 HELOCs	1.4%	100%	$590,000	View
Kbhs Home Loans, LLC	Conventional, FHA, VA	24	1.4%	85.7%	$640,833
Nationstar Mortgage	Conventional	24	1.4%	78.1%	$201,250
Clm Mortgage, Inc	Conventional, Jumbo	16	0.9%	100%	$927,500
Spring Eq, LLC	Conventional, HELOC	13 +9 HELOCs	0.8%	54.2%	$145,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo	12	0.7%	100%	$620,833
Newrez LLC	Conventional, VA, Jumbo	12	0.7%	66.7%	$440,833
Tri Pointe Connect, LLC	Conventional, FHA	12	0.7%	100%	$468,333
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo	11	0.6%	100%	$562,272
Better Mortgage Corporation	Conventional	11	0.6%	91.7%	$437,727
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	10	0.6%	100%	$521,000
Guaranteed Rate Affinity, LLC	Conventional	7	0.4%	100%	$463,571
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	7	0.4%	100%	$902,142	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	6 +3 HELOCs	0.3%	66.7%	$403,333
Credit Human Federal Credit Un	Conventional	6	0.3%	81.8%	$135,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	6	0.3%	100%	$761,666	View
Sage Home Loans Corporation	Conventional	5	0.3%	70%	$483,000
Movement Mortgage, LLC	Conventional, Jumbo	5	0.3%	100%	$491,000
Boeing Employees' Credit Union	Conventional, Jumbo	5	0.3%	100%	$929,000
Mortgage Research Center	VA, Jumbo	5	0.3%	71.4%	$649,000
Alliant Credit Union	Conventional, Jumbo, HELOC	4 +5 HELOCs	0.2%	100%	$837,500
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.2%	100%	$1,032,500	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.2%	80%	$590,000	View
Canopy Mortgage, LLC	Conventional	4	0.2%	100%	$552,500
PHH Mortgage Corporation	Conventional, VA	4	0.2%	100%	$572,500
Amerisave Mortgage Company	Conventional	4	0.2%	45.5%	$247,500
Discover Bank	Conventional	4	0.2%	40%	$70,000
Union Home Mortgage Corp.	Conventional, FHA	4	0.2%	100%	$575,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +9 HELOCs	0.2%	71.4%	$95,000	View
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	75%	$551,666
Primelending	Conventional, Jumbo	3	0.2%	100%	$835,000
Everett Financial, Inc.	Conventional	3	0.2%	100%	$551,666
Filo Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$695,000
Nations Direct Mortgage, LLC	Conventional	3	0.2%	100%	$618,333
Fairway Independent Mort Corp	Conventional	3	0.2%	100%	$741,666
21St Mortgage	Conventional	3	0.2%	75%	$128,333
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	3	0.2%	75%	$181,666	View
Ark-La-Tex Financial Services LLC	Conventional	3	0.2%	100%	$368,333
Tomo Mortgage LLC	Conventional	3	0.2%	100%	$571,666
American Financial Resources LLC	Conventional	2	0.1%	100%	$250,000
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.1%	20%	$530,000
Envoy Mortgage, Ltd	Conventional, VA	2	0.1%	100%	$380,000
Nbkc Bank	Conventional	2	0.1%	100%	$660,000
Triad Financial Services, Inc.	Conventional	2	0.1%	77.8%	$160,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.1%	100%	$610,000	View
Bay Equity LLC	Conventional, Jumbo	2	0.1%	66.7%	$855,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$620,000
Planet Home Lending, LLC	Conventional, FHA	2	0.1%	100%	$760,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA, Jumbo	2	0.1%	100%	$785,000	View
Rogue Credit Union	Conventional	2	0.1%	66.7%	$175,000
Tjc Mortgage Inc	Conventional	2	0.1%	100%	$595,000
Uif Corporation	Conventional	2	0.1%	100%	$605,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo	2	0.1%	50%	$815,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$575,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.1%	100%	$595,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$655,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$955,000	View
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,155,000
Originpoint, LLC	Conventional	1	0.1%	50%	$635,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$245,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$555,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$715,000	View
Educational Systems FCU	Conventional	1	0.1%	100%	$805,000
NOVA Financial & Investment Corporation	FHA	1	0.1%	33.3%	$625,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$755,000
Delmar Financial Company	Conventional	1	0.1%	100%	$245,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$755,000	View
Bank Cmg A+5.0 ★Texas Ratio: 2.02%	Conventional	1	0.1%	100%	$705,000	View
Data Mortgage, Inc	VA	1	0.1%	100%	$575,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$575,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$585,000
City 1st Mortgage Services, LC	Conventional	1	0.1%	100%	$805,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0.1%	100%	$575,000
American Financing Corporation	Conventional	1	0.1%	50%	$535,000
Federated Mortgage Corp	Conventional	1	0.1%	100%	$605,000
New Day Financial, LLC.	VA	1	0.1%	100%	$155,000
Foundation Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$895,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$805,000	View
Beeline Loans, Inc.	Conventional	1	0.1%	100%	$505,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$695,000
Peoples Mortgage Company	Conventional	1	0.1%	100%	$435,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$325,000	View
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0.1%	100%	$725,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	50%	$145,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$515,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$615,000
Leaderone Financial Corp.	Conventional, Jumbo	1	0.1%	100%	$925,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$315,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
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
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon 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.

Folsom 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 Folsom, California

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

Types of Mortgage Lenders in Folsom, CA

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

Mortgage companies and brokers 120 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 46 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 26 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 34 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 60 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 98 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Folsom, CA

Independent mortgage companies closed 78.5 percent of home loans in Folsom, California in 2025, banks 14 percent and credit unions 7.5 percent. Sierra Pacific Mortgage Co. Inc was the largest mortgage company, US Bank, N.A. the largest bank and SAFE Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 12 loans.

78.5%

Mortgage companies

14%

Banks

7.5%

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 Folsom, CA

Who is the largest mortgage lender in Folsom, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Folsom, California with 61 loans, about 3.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Folsom, California, The Loan Store, Inc approved the highest share of completed applications in 2025 at 96.4 percent, against a 88.4 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 Folsom, CA mortgage lenders offer FHA, VA and USDA loans?

26 lenders closed FHA loans in Folsom, California in 2025, led by United Wholesale Mortgage with 9. 34 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 Folsom, CA lender list?

Yes. 55 banks and 46 credit unions closed home loans in Folsom, California in 2025, alongside 120 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 Folsom, CA ranked on this page?

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