☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Manteca

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Manteca, California

Content reviewed by

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

Manteca, California mortgage lenders include US Bank, N.A.US Bank, N.A.292 Cherry Ln, Manteca, CA 95337A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA160 N Main St, Manteca, CA 95336A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA115 W Center St, Manteca, CA 95336A+5.0 ★Texas Ratio: 3.68%, Bank of StocktonBank of Stockton660 N Main St, Manteca, CA 95336A+5.0 ★Texas Ratio: 0.21%, BMO Harris Bank NABMO Harris Bank NA150 Commerce Ave, Manteca, CA 95336A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA102 E Yosemite Ave, Manteca, CA 95336A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.201 N Main St, Manteca, CA 95336A+5.0 ★Texas Ratio: 4.24%, Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce611 N Main St, Manteca, CA 95336A+5.0 ★Texas Ratio: 0.87%, Citibank, NACitibank, NA580 N Main St, Manteca, CA 95336A+5.0 ★Texas Ratio: 2.82%, and Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%. 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 Manteca, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Manteca 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 Manteca, California

Market share is the lender's share of all home loans closed in Manteca, 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 Manteca 292 Cherry Ln, Manteca, CA 95337 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	17 +11 HELOCs	1%	53.8%	$357,352	View
Wells Fargo Bank NA 1 office in Manteca 160 N Main St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 5.36%	Conventional	13	0.7%	76.5%	$334,230	View
JPMorgan Chase Bank, NA 2 offices in Manteca 115 W Center St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	11 +2 HELOCs	0.6%	73.3%	$295,909	View
Bank of Stockton 1 office in Manteca 660 N Main St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 0.21%	Conventional	8	0.5%	53.3%	$205,000	View
BMO Harris Bank NA 1 office in Manteca 150 Commerce Ave, Manteca, CA 95336 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	4 +10 HELOCs	0.2%	57.1%	$282,500	View
Bank of America NA 1 office in Manteca 102 E Yosemite Ave, Manteca, CA 95336 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +24 HELOCs	0.2%	100%	$405,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Manteca 201 N Main St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 4.24%	FHA, HELOC	1 +12 HELOCs	0.1%	100%	$445,000	View
Farmers & Merchants Bank of Ce 1 office in Manteca 611 N Main St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 0.87%	Conventional, Jumbo	1	0.1%	100%	$1,585,000	View
Citibank, NA 1 office in Manteca 580 N Main St, Manteca, CA 95336 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +7 HELOCs	0%	0%		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	18 +1 HELOCs	1%	77.8%	$666,666	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	13	0.7%	94.4%	$589,615	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	9	0.5%	100%	$391,666	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	8	0.5%	72.7%	$210,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	8	0.5%	66.7%	$415,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	7 +17 HELOCs	0.4%	70%	$523,571	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	5 +6 HELOCs	0.3%	85.7%	$119,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	4 +3 HELOCs	0.2%	100%	$172,500	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	4 +1 HELOCs	0.2%	100%	$387,500	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA	4	0.2%	80%	$370,000
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	3 +1 HELOCs	0.2%	75%	$135,000	View
Valley Strong Credit Union 206 E Yosemite Ave, Manteca, CA 95336 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	2 +14 HELOCs	0.1%	33.3%	$50,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	2 +3 HELOCs	0.1%	60%	$80,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	2 +1 HELOCs	0.1%	33.3%	$290,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$120,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	FHA, VA	2	0.1%	50%	$295,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional	2	0.1%	100%	$370,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +11 HELOCs	0.1%	33.3%	$495,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$255,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$95,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	100%	$175,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional	1	0.1%	100%	$315,000	View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	Conventional	1	0.1%	100%	$55,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$95,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +11 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +4 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 +3 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +2 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	121 +10 HELOCs	6.9%	86.7%	$472,272
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	55	3.1%	98.2%	$550,090
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	32	1.8%	84.1%	$468,750
Kind Lending, LLC	Conventional, FHA, VA	31	1.8%	74.4%	$423,064
MortgageOne, Inc	Conventional, FHA, VA	26	1.5%	100%	$559,230
American Pacific Mortgage Corporation	Conventional, FHA, VA	26	1.5%	96.3%	$438,461
Paramount Residential Mortgage	Conventional, FHA	20	1.1%	100%	$426,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	11	0.6%	100%	$416,818
Generations Home Loans, LLC	Conventional, FHA	9	0.5%	100%	$437,222
JMAC Lending, Inc.	Conventional, FHA	9	0.5%	100%	$346,111
Golden Empire Mortgage, Inc.	Conventional	8	0.5%	100%	$247,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	8	0.5%	90.9%	$433,750	View
Flexpoint, Inc.	Conventional, FHA	8	0.5%	100%	$366,250
Nexera Holding LLC	Conventional	8	0.5%	88.9%	$313,750
AmWest Funding Corp	Conventional, HELOC	7 +1 HELOCs	0.4%	87.5%	$430,714
Land Home Financial Services,	Conventional, FHA	7	0.4%	100%	$556,428
Provident Funding Associates	Conventional	7	0.4%	100%	$407,857
Summit Funding.Inc	Conventional, FHA	7	0.4%	100%	$350,714
New American Funding, LLC.	Conventional, FHA, HELOC	5 +1 HELOCs	0.3%	83.3%	$347,000
Royal Pacific Funding	Conventional, FHA	5	0.3%	100%	$485,000
Googain, Inc.	Conventional	4	0.2%	100%	$402,500
Nmsi, Inc.	Conventional	4	0.2%	100%	$535,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	4	0.2%	80%	$327,500
AdvantageFirst Lending Inc	FHA, VA	3	0.2%	75%	$395,000
American Financial Network, Inc.	Conventional, FHA, VA	3	0.2%	100%	$561,666
Zillow Home Loans, LLC	Conventional, FHA	3	0.2%	100%	$398,333
Goodleap, LLC	FHA, HELOC	2 +5 HELOCs	0.1%	100%	$380,000
Mason-McDuffie Mortgage Corporation	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$660,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	100%	$710,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$440,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$100,000
Network Capital Funding Corporation	FHA	2	0.1%	100%	$360,000
Ony Glo, Inc.	Conventional	2	0.1%	100%	$700,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	2	0.1%	100%	$280,000	View
Ardri LLC	Conventional	2	0.1%	100%	$420,000
Operating Engineers Federal Credit Union	Conventional	2	0.1%	66.7%	$140,000
Cornerstone First Mortgage, LLC	VA	1	0.1%	100%	$555,000
Alameda Mortgage Corporation	FHA	1	0.1%	100%	$495,000
Residential Wholesale Mortgage	FHA	1	0.1%	100%	$695,000
Watermark Capital, Inc.	FHA	1	0.1%	100%	$675,000
Resicentral LLC	Conventional	1	0.1%	100%	$375,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	50%	$335,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$275,000
HomeXpress Mortgage Corp.	FHA	1	0.1%	33.3%	$495,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$415,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$355,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$505,000
SnapFi, Inc.	Conventional	1	0.1%	100%	$585,000
Citadel Servicing Corporation	Conventional	1	0.1%	66.7%	$305,000
Carrington Mortgage Services LLC	VA	1	0.1%	33.3%	$575,000
Figure Lending LLC	HELOC	0 +25 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +2 HELOCs	0%	0%
Rocket Mortgage	Conventional, FHA, VA, Jumbo	207	11.8%	86.3%	$354,613
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	200 +13 HELOCs	11.4%	87.7%	$511,300
Pulte Mortgage LLC	Conventional, FHA, VA, Jumbo	111	6.3%	91.7%	$631,936
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	98	5.6%	89.1%	$547,346
Lennar Mortgage, LLC	Conventional, FHA, VA	95	5.4%	88.8%	$542,368
The Loan Store, Inc	Conventional, FHA, Jumbo, HELOC	40 +9 HELOCs	2.3%	95.6%	$428,250
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	35 +3 HELOCs	2%	97.2%	$513,285
Spring Eq, LLC	Conventional, HELOC	29 +10 HELOCs	1.7%	47.6%	$75,689
Nationstar Mortgage	Conventional, FHA, VA	27	1.5%	73%	$168,333
Freedom Mortgage Corporation	Conventional, FHA, VA	24	1.4%	87.1%	$495,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	21 +3 HELOCs	1.2%	100%	$333,571
Ameritrust Mortgage Corporation	Conventional, FHA	21	1.2%	100%	$504,047
Newrez LLC	Conventional, FHA, VA	15	0.9%	53.3%	$357,666
Primary Residential Mortgage, INC.	Conventional, FHA, VA	13	0.7%	92.9%	$639,615
Fairway Independent Mort Corp	Conventional, FHA	11	0.6%	100%	$471,363
Amerisave Mortgage Company	Conventional, FHA	10	0.6%	34.5%	$166,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA	10	0.6%	91.7%	$437,000	View
Everett Financial, Inc.	Conventional, FHA, HELOC	9 +2 HELOCs	0.5%	100%	$366,111
Mortgage Research Center	VA	9	0.5%	60%	$582,777
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	9	0.5%	81.8%	$497,222	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	6	0.3%	85.7%	$501,666	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	5 +2 HELOCs	0.3%	62.5%	$381,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.3%	29%	$375,000
Discover Bank	Conventional	5	0.3%	29.4%	$89,000
Union Home Mortgage Corp.	Conventional	5	0.3%	100%	$497,000
Homeamerican Mortgage Corporation	Conventional, VA	5	0.3%	83.3%	$579,000
Triad Financial Services, Inc.	Conventional	4	0.2%	69.2%	$127,500
PHH Mortgage Corporation	Conventional, FHA, VA	4	0.2%	100%	$612,500
Homeowners Financial Group, LLC	Conventional, FHA	4	0.2%	100%	$322,500
Lower, LLC	Conventional, FHA	4	0.2%	100%	$415,000
Village Capital & Investment	FHA, VA, Jumbo	4	0.2%	100%	$635,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.2%	50%	$95,000	View
American Financial Resources LLC	Conventional, VA	3	0.2%	100%	$535,000
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$451,666
All Credit Considered Mortgage, Inc.	Conventional	3	0.2%	100%	$508,333
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	100%	$368,333
Guidance Residential, LLC	Conventional	3	0.2%	100%	$675,000
Deephaven Mortgage LLC	Conventional	3	0.2%	50%	$298,333
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.2%	100%	$395,000	View
Better Mortgage Corporation	Conventional, HELOC	2 +3 HELOCs	0.1%	50%	$295,000
Premier Mortgage Resources, LLC	Conventional	2	0.1%	100%	$600,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.1%	100%	$420,000
Envoy Mortgage, Ltd	Conventional, FHA	2	0.1%	100%	$300,000
Allied Mortgage Group, Inc	Conventional, FHA	2	0.1%	100%	$325,000
Loanunited.Com, LLC	Conventional, FHA	2	0.1%	100%	$525,000
Nqm Funding, LLC	Conventional	2	0.1%	100%	$600,000
Kwik Mortgage Corporation	Conventional	2	0.1%	100%	$680,000
First Colony Mortgage Corporat	Conventional, FHA	2	0.1%	100%	$520,000
Cardinal Financial Company, Li	Conventional	2	0.1%	100%	$490,000
Planet Home Lending, LLC	FHA, VA	2	0.1%	50%	$595,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$315,000
Nations Direct Mortgage, LLC	Conventional	2	0.1%	100%	$335,000
Champions Funding, LLC	Conventional	2	0.1%	66.7%	$570,000
Digital Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$585,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$385,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$655,000	View
RANLife, Inc.	Conventional	1	0.1%	100%	$435,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$445,000
Nbkc Bank	Conventional	1	0.1%	100%	$635,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$555,000
Movement Mortgage, LLC	FHA	1	0.1%	100%	$695,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$435,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$665,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$365,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$725,000	View
Connexus Credit Union	Conventional	1	0.1%	100%	$55,000
Bay Equity LLC	Conventional	1	0.1%	100%	$335,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$525,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	100%	$595,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$205,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$355,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$655,000	View
Pentagon Federal Credit Union	Conventional	1	0.1%	100%	$595,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$485,000	View
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$325,000
Mortgage Solutions of Colorado	Conventional	1	0.1%	100%	$705,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	50%	$335,000
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	1	0.1%	100%	$45,000	View
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	FHA	1	0.1%	100%	$435,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$495,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$535,000
HomeBridge Financial Services, Inc	HELOC	0 +17 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +13 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +8 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fed Ex Employees Credit Association	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	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.

Manteca 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 Manteca, California

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

Types of Mortgage Lenders in Manteca, CA

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

Mortgage companies and brokers 121 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 34 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 68 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 USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 8 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 86 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Manteca, CA

Independent mortgage companies closed 90 percent of home loans in Manteca, California in 2025, banks 6.7 percent and credit unions 3.3 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of Stockton led with 8 loans.

90%

Mortgage companies

6.7%

Banks

3.3%

Credit unions

16%

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 Manteca, CA

Who is the largest mortgage lender in Manteca, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Manteca, California with 17 loans, about 1 percent of the market. The largest lender headquartered in California was Bank of Stockton with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Manteca, California, Guild Mortgage Company approved the highest share of completed applications in 2025 at 98.2 percent, against a 82.7 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 Manteca, CA mortgage lenders offer FHA, VA and USDA loans?

68 lenders closed FHA loans in Manteca, California in 2025, led by United Wholesale Mortgage with 50. 34 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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 Manteca, CA lender list?

Yes. 34 banks and 35 credit unions closed home loans in Manteca, California in 2025, alongside 121 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 Manteca, CA ranked on this page?

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