Mortgage Lenders and Brokers in Grass Valley, 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
Grass Valley, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA428 Brunswick Rd, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 3.68%, Tri Counties BankTri Counties Bank709 Sutton Way, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 5.34%, Wells Fargo Bank NAWells Fargo Bank NA757 Sutton Way, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA460 Brunswick Rd, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA134 S Church St, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 4.14%, Banner BankBanner Bank115 W Mcknight Way, Grass Valley, CA 95949A+5.0 ★Texas Ratio: 2.91%, Sierra Central Credit UnionSierra Central Credit Union1000 Plaza Dr, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 3.22%, El Dorado Savings BankEl Dorado Savings Bank1751 E Main St, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 0.41%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, and Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. 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 Grass Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grass Valley 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 Grass Valley, California
Market share is the lender's share of all home loans closed in Grass Valley, 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 Grass Valley 428 Brunswick Rd, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 7 +1 HELOCs |
1.8% | 100% | $320,714 | View |
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2 offices in Grass Valley 709 Sutton Way, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 5.34% |
Conventional, Jumbo, HELOC | 3 +22 HELOCs |
0.8% | 75% | $618,333 | View |
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2 offices in Grass Valley 757 Sutton Way, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 60% | $258,333 | View |
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1 office in Grass Valley 460 Brunswick Rd, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 66.7% | $280,000 | View |
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1 office in Grass Valley 134 S Church St, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +11 HELOCs |
0% | n/a | View | |
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1 office in Grass Valley 115 W Mcknight Way, Grass Valley, CA 95949 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1000 Plaza Dr, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 5 +6 HELOCs |
1.3% | 62.5% | $117,000 | View |
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1751 E Main St, Grass Valley, CA 95945 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 5 | 1.3% | 100% | $125,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 3 +7 HELOCs |
0.8% | 50% | $251,666 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 3 +2 HELOCs |
0.8% | 100% | $71,666 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 2 | 0.5% | 100% | $530,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $35,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 14.3% | $55,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 50% | $355,000 | View |
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520 Arneill Rd, Camarillo, CA 93010 6414 B4.6 ★Texas Ratio: 19.65% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
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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 | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 17 | 4.3% | 81% | $342,058 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, VA | 15 | 3.8% | 88.2% | $346,333 | |
Pennymac Loan Services LLC
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Conventional, VA | 9 | 2.3% | 90.9% | $356,111 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 6 +2 HELOCs |
1.5% | 100% | $218,333 | |
Kind Lending, LLC
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Conventional | 6 | 1.5% | 60% | $305,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 1.3% | 100% | $357,000 | |
New American Funding, LLC.
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Conventional, VA | 4 | 1% | 100% | $407,500 | |
Paramount Residential Mortgage
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Conventional | 4 | 1% | 100% | $360,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 3 | 0.8% | 100% | $248,333 | |
Nexera Holding LLC
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Conventional | 3 | 0.8% | 100% | $308,333 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 0.8% | 80% | $261,666 | |
ML Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $365,000 | |
Alameda Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $365,000 | |
AmWest Funding Corp
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Conventional, VA | 2 | 0.5% | 100% | $340,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $485,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $485,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Dignified Home Loans LLC
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FHA | 1 | 0.3% | 100% | $395,000 | |
San Diego Funding
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Conventional | 1 | 0.3% | 100% | $515,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Franklin Loan Corporation
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FHA | 1 | 0.3% | 100% | $485,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $545,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 64 +3 HELOCs |
16.2% | 87% | $432,656 | |
The Loan Store, Inc
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Conventional, FHA, Jumbo | 47 | 11.9% | 96.2% | $398,191 | |
Rocket Mortgage
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Conventional, FHA | 32 | 8.1% | 76.7% | $285,000 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 12 +1 HELOCs |
3% | 100% | $357,500 | |
Nationstar Mortgage
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Conventional, FHA | 11 | 2.8% | 91.7% | $175,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 7 | 1.8% | 87.5% | $495,000 | |
Mortgage Research Center
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VA | 6 | 1.5% | 75% | $461,666 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +3 HELOCs |
1.3% | 38.5% | $77,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 5 +1 HELOCs |
1.3% | 100% | $451,000 | |
Newrez LLC
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Conventional, FHA | 4 | 1% | 50% | $300,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 1% | 100% | $605,000 | View |
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A+5.0 ★Texas Ratio: 4.67% |
Conventional | 4 | 1% | 100% | $207,500 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.8% | 100% | $371,666 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.8% | 100% | $471,666 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.8% | 100% | $451,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 66.7% | $400,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $220,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.5% | 100% | $450,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.5% | 75% | $380,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.5% | 40% | $30,000 | |
Peak Residential Lending Inc
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Conventional | 2 | 0.5% | 100% | $295,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $190,000 | |
Homeamerican Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $500,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.5% | 100% | $540,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 0.5% | 100% | $410,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 50% | $375,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,225,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $695,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 50% | $115,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 33.3% | $65,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $155,000 | |
Intercap Lending Inc
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.3% | 50% | $175,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $405,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $285,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $335,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 50% | $415,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.3% | 100% | $385,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.3% | 100% | $415,000 | View |
State Departmenet Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $115,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 50% | $35,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.3% | 100% | $385,000 | 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 | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Grass Valley 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 Grass Valley, California
Looking for mortgage lenders near me or mortgage brokers near me in Grass Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Grass Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Grass Valley, CA
Use these to narrow the list above. Each category shows how many Grass Valley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Grass Valley, CA
Independent mortgage companies closed 81.6 percent of home loans in Grass Valley, California in 2025, banks 10.6 percent and credit unions 7.8 percent. Central Coast Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Sierra Central Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank led with 3 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 Grass Valley, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Grass Valley, California with 7 loans, about 1.8 percent of the market. The largest lender headquartered in California was Tri Counties Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Grass Valley, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87 percent, against a 83.1 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.
25 lenders closed FHA loans in Grass Valley, California in 2025, led by United Wholesale Mortgage with 8. 13 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.
Yes. 25 banks and 19 credit unions closed home loans in Grass Valley, California in 2025, alongside 67 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 Grass Valley, 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 Grass Valley, 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 Grass Valley. 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.
