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Mortgage Lenders and Brokers in Lincoln, California

Content reviewed by

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

Lincoln, California mortgage lenders include US Bank, N.A.US Bank, N.A.525 Mcbean Park Dr, Lincoln, CA 95648A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA33 Lincoln Blvd, Lincoln, CA 95648A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA47 Lincoln Blvd, Lincoln, CA 95648A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA45 Lincoln Blvd, Lincoln, CA 95648A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank805 Twelve Bridges Dr, Lincoln, CA 95648A+5.0 ★Texas Ratio: 2.28%, PNC Bank N.A.PNC Bank N.A.701 Sterling Pkwy, Lincoln, CA 95648A+5.0 ★Texas Ratio: 4.24%, SAFE Credit UnionSAFE Credit Union111 Ferrari Ranch Rd, Lincoln, CA 95648A+5.0 ★Texas Ratio: 3.24%, The Golden 1 Credit UnionThe Golden 1 Credit Union415 S State Highway 65 Ste B, Lincoln, CA 95648 9351A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%. 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 Lincoln, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincoln 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 Lincoln, California

Market share is the lender's share of all home loans closed in Lincoln, 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 Lincoln 525 Mcbean Park Dr, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	24 +12 HELOCs	2%	73.5%	$375,000	View
Wells Fargo Bank NA 1 office in Lincoln 33 Lincoln Blvd, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	15	1.3%	93.8%	$564,333	View
Bank of America NA 1 office in Lincoln 47 Lincoln Blvd, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +22 HELOCs	0.8%	100%	$371,666	View
JPMorgan Chase Bank, NA 1 office in Lincoln 45 Lincoln Blvd, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	9 +3 HELOCs	0.8%	100%	$441,666	View
Columbia Bank 1 office in Lincoln 805 Twelve Bridges Dr, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.3%	80%	$755,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Lincoln 701 Sterling Pkwy, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +4 HELOCs	0%	n/a		View
SAFE Credit Union 111 Ferrari Ranch Rd, Lincoln, CA 95648 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	14 +19 HELOCs	1.2%	100%	$155,714	View
The Golden 1 Credit Union 415 S State Highway 65 Ste B, Lincoln, CA 95648 9351 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, HELOC	10 +57 HELOCs	0.8%	91.7%	$306,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	10 +15 HELOCs	0.8%	83.3%	$140,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	7 +7 HELOCs	0.6%	87.5%	$225,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.4%	83.3%	$75,000	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	3	0.3%	60%	$131,666	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.3%	100%	$381,666	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.2%	60%	$150,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	2	0.2%	100%	$340,000
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional, VA, Jumbo	2	0.2%	100%	$725,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional	2	0.2%	100%	$45,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$35,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$515,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$435,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0.1%	100%	$85,000	View
Hanmi Bank 11754 Artesia Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 1.11%	Conventional	1	0.1%	100%	$375,000	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%	$565,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	FHA	1	0.1%	50%	$525,000	View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	50%	$155,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$795,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0.1%	100%	$645,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$805,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional	1	0.1%	100%	$615,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0.1%	100%	$1,945,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0.1%	100%	$255,000	View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +2 HELOCs	0%	n/a		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	100%		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	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
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
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	0%		View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	52 +7 HELOCs	4.4%	82.8%	$446,153
Inspire Home Loans Inc.	Conventional, FHA, VA	46	3.9%	98.1%	$469,565
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	44	3.7%	86.5%	$417,045
Guild Mortgage Company	Conventional, VA	20	1.7%	100%	$421,000
Calcon Mutual Mortgage LLC	Conventional, FHA, VA	19	1.6%	79.2%	$484,473
American Pacific Mortgage Corporation	Conventional, FHA, VA	19	1.6%	90.5%	$508,157
Kind Lending, LLC	Conventional, FHA, VA	17	1.4%	73.9%	$363,823
Paramount Residential Mortgage	Conventional, FHA, VA	17	1.4%	100%	$520,882
New American Funding, LLC.	Conventional, VA, HELOC	10 +4 HELOCs	0.8%	90.9%	$436,000
Provident Funding Associates	Conventional	10	0.8%	91.7%	$446,000
Mason-McDuffie Mortgage Corporation	Conventional	9	0.8%	100%	$320,555
JMAC Lending, Inc.	Conventional, FHA	9	0.8%	100%	$598,333
Resicentral LLC	Conventional, FHA, VA	7	0.6%	100%	$356,428
Residential Wholesale Mortgage	Conventional, FHA	6	0.5%	100%	$493,333
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	6	0.5%	100%	$568,333
Generations Home Loans, LLC	Conventional, FHA, VA	5	0.4%	100%	$533,000
Summit Funding.Inc	Conventional, FHA	5	0.4%	100%	$351,000
AmeriHome Mortgage Company, LLC	Conventional, VA	4	0.3%	100%	$520,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	4	0.3%	100%	$310,000	View
Nexera Holding LLC	Conventional, Jumbo	4	0.3%	100%	$500,000
HomeXpress Mortgage Corp.	Conventional, FHA	3	0.3%	75%	$625,000
Plaza Home Mortgage, Inc	Conventional	3	0.3%	100%	$548,333
ML Mortgage Corp.	FHA	2	0.2%	100%	$410,000
Cornerstone First Mortgage, LLC	Conventional, VA	2	0.2%	100%	$390,000
AdvantageFirst Lending Inc	FHA, VA	2	0.2%	66.7%	$495,000
American Financial Network, Inc.	Conventional, VA	2	0.2%	100%	$590,000
Zillow Home Loans, LLC	Conventional, VA	2	0.2%	100%	$525,000
Nmsi, Inc.	Conventional	2	0.2%	100%	$330,000
Carrington Mortgage Services LLC	FHA, VA	2	0.2%	28.6%	$380,000
Goodleap, LLC	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$385,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$215,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$195,000
5Th Sreet Capital Inc.	Conventional	1	0.1%	100%	$465,000
Catalyst Mortgage	Conventional	1	0.1%	100%	$465,000
Royal Pacific Funding	FHA	1	0.1%	100%	$305,000
Dignified Home Loans LLC	Conventional	1	0.1%	100%	$405,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$385,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$615,000
JSB Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$1,025,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$345,000
Hometown Equity Mortgage, LLC	Conventional, Jumbo	1	0.1%	50%	$1,505,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,945,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	50%	$165,000
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	203 +23 HELOCs	17.1%	93.6%	$519,137
Rocket Mortgage	Conventional, FHA, VA, Jumbo	109	9.2%	84.8%	$343,623
The Loan Store, Inc	Conventional, FHA, VA, HELOC	51 +8 HELOCs	4.3%	98.2%	$421,470
Kbhs Home Loans, LLC	Conventional, FHA, VA	42	3.5%	93.3%	$392,619
Tri Pointe Connect, LLC	Conventional, FHA, VA	31	2.6%	100%	$516,290
Newrez LLC	Conventional, FHA, VA	24	2%	80.6%	$407,083
Nationstar Mortgage	Conventional, FHA, VA	21	1.8%	73.3%	$195,952
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	10 +1 HELOCs	0.8%	100%	$519,000	View
Movement Mortgage, LLC	Conventional, VA	10	0.8%	100%	$420,000
DHI Mortgage Company, LTD.	Conventional, FHA	10	0.8%	100%	$459,000
Spring Eq, LLC	Conventional, HELOC	9 +13 HELOCs	0.8%	33.3%	$89,444
Clm Mortgage, Inc	Conventional, FHA, VA	8	0.7%	100%	$583,750
Homeamerican Mortgage Corporation	Conventional, VA	8	0.7%	100%	$577,500
Fairway Independent Mort Corp	Conventional, FHA, VA	8	0.7%	100%	$427,500
Freedom Mortgage Corporation	Conventional, FHA, VA	7	0.6%	66.7%	$489,285
Mortgage Research Center	VA	7	0.6%	70%	$559,285
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	6 +4 HELOCs	0.5%	85.7%	$273,333
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	6 +1 HELOCs	0.5%	85.7%	$618,333
Guaranteed Rate, Inc.	Conventional	6	0.5%	85.7%	$513,333
Lakeview Loan Servicing, LLC	FHA, VA	6	0.5%	28%	$560,000
Premier Mortgage Resources, LLC	Conventional, FHA	5	0.4%	100%	$361,000
First Colony Mortgage Corporat	Conventional, FHA	5	0.4%	100%	$539,000
Churchill Mortgage Corporation	Conventional, FHA	5	0.4%	100%	$393,000
Better Mortgage Corporation	Conventional, HELOC	4 +2 HELOCs	0.3%	100%	$455,000
Canopy Mortgage, LLC	Conventional	4	0.3%	100%	$410,000
Amerisave Mortgage Company	Conventional	4	0.3%	50%	$60,000
Alliant Credit Union	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.3%	100%	$558,333
First Technology Federal Credit Union	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$231,666
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	3	0.3%	100%	$428,333
Deephaven Mortgage LLC	Conventional	3	0.3%	100%	$395,000
Peak Residential Lending Inc	Conventional	3	0.3%	100%	$531,666
Union Home Mortgage Corp.	Conventional	3	0.3%	100%	$558,333
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.3%	100%	$471,666
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	3	0.3%	100%	$198,333	View
Ark-La-Tex Financial Services LLC	Conventional, VA	3	0.3%	75%	$445,000
HomeBridge Financial Services, Inc	FHA, HELOC	2 +5 HELOCs	0.2%	100%	$560,000
Pentagon Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$490,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +1 HELOCs	0.2%	33.3%	$95,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.2%	100%	$480,000	View
American Financial Resources LLC	Conventional, FHA	2	0.2%	100%	$320,000
Go Mortgage, LLC	VA	2	0.2%	100%	$415,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$525,000
Equity Prime Mortgage LLC	Conventional, FHA	2	0.2%	50%	$570,000
Bay Equity LLC	Conventional	2	0.2%	100%	$620,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.2%	66.7%	$210,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	2	0.2%	50%	$340,000	View
Planet Home Lending, LLC	FHA	2	0.2%	100%	$585,000
Pike Creek Mortgage Services, Inc.	Conventional, FHA	2	0.2%	100%	$610,000
Mutual of Omaha Mortgage	Conventional, Jumbo	2	0.2%	100%	$735,000
Champions Funding, LLC	Conventional	2	0.2%	100%	$285,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	2	0.2%	100%	$535,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$155,000
Usalliance Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$195,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$255,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$505,000	View
Originpoint, LLC	Conventional	1	0.1%	100%	$515,000
Primelending	Conventional	1	0.1%	100%	$425,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$205,000
Success Lending, LLC	Conventional	1	0.1%	100%	$415,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$305,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$455,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$545,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$545,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$725,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$375,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$605,000	View
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$655,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$415,000	View
City 1st Mortgage Services, LC	Conventional	1	0.1%	100%	$325,000
Eastman Credit Union	Conventional	1	0.1%	100%	$505,000
Ivy Mortgage, Inc.	Conventional	1	0.1%	100%	$275,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$545,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Fairwinds Credit Union	Conventional	1	0.1%	100%	$175,000
Nfm, Inc	FHA	1	0.1%	100%	$635,000
Encompass Lending Group, L.P.	Conventional	1	0.1%	100%	$245,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	VA	1	0.1%	100%	$665,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$185,000	View
V.I.P. Mortgage, Inc.	VA	1	0.1%	100%	$575,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$505,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$495,000	View
Lower, LLC	Conventional	1	0.1%	100%	$265,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$425,000	View
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$585,000
Florida Capital Bank, N.A	FHA	1	0.1%	100%	$585,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$605,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$355,000	View
My Move Mortgage, LLC	Conventional	1	0.1%	100%	$625,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Consolidated Community Credit	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Ukrainian Federal Credit Union A5.0 ★Texas Ratio: 10.53%	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.

Lincoln 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 Lincoln, California

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

Types of Mortgage Lenders in Lincoln, CA

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

Mortgage companies and brokers 113 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 31 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 52 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 46 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 17 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 73 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Lincoln, CA

Independent mortgage companies closed 85.8 percent of home loans in Lincoln, California in 2025, banks 7.6 percent and credit unions 6.6 percent. Change Lending 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 9 loans.

85.8%

Mortgage companies

7.6%

Banks

6.6%

Credit unions

15%

FHA loans

11%

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 Lincoln, CA

Who is the largest mortgage lender in Lincoln, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Lincoln, California with 24 loans, about 2 percent of the market. The largest lender headquartered in California was Bank of America NA with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Lincoln, California, The Loan Store, Inc approved the highest share of completed applications in 2025 at 98.2 percent, against a 87.2 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 Lincoln, CA mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Lincoln, California in 2025, led by United Wholesale Mortgage with 30. 46 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 Lincoln, CA lender list?

Yes. 31 banks and 35 credit unions closed home loans in Lincoln, California in 2025, alongside 113 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 Lincoln, CA ranked on this page?

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