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Mortgage Lenders and Brokers in Modesto, California

Content reviewed by

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

Modesto, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2609 Mchenry Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.2008 Mchenry Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 2.85%, Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce2711 Mchenry Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 0.87%, Wells Fargo Bank NAWells Fargo Bank NA3456 Mchenry Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1737 Oakdale Rd, Modesto, CA 95355A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA1401 Oakdale Rd, Modesto, CA 95355A+5.0 ★Texas Ratio: 3.54%, Bank of StocktonBank of Stockton1302 J St, Modesto, CA 95354A+5.0 ★Texas Ratio: 0.21%, PNC Bank N.A.PNC Bank N.A.2601 Oakdale Rd, Modesto, CA 95355A+5.0 ★Texas Ratio: 4.24%, Columbia BankColumbia Bank1300 K St, Modesto, CA 95354A+5.0 ★Texas Ratio: 2.28%, and Citibank, NACitibank, NA2929 Mchenry Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 2.82%. 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 Modesto, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Modesto 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 Modesto, California

Market share is the lender's share of all home loans closed in Modesto, 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
JPMorgan Chase Bank, NA 4 offices in Modesto 2609 Mchenry Ave, Modesto, CA 95350 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	50 +8 HELOCs	2.1%	91.4%	$296,800	View
US Bank, N.A. 3 offices in Modesto 2008 Mchenry Ave, Modesto, CA 95350 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	22 +22 HELOCs	0.9%	51.1%	$233,636	View
Farmers & Merchants Bank of Ce 3 offices in Modesto 2711 Mchenry Ave, Modesto, CA 95350 A+5.0 ★Texas Ratio: 0.87%	Conventional	22	0.9%	64.9%	$180,909	View
Wells Fargo Bank NA 3 offices in Modesto 3456 Mchenry Ave, Modesto, CA 95350 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	17	0.7%	51.5%	$262,647	View
Bank of America NA 4 offices in Modesto 1737 Oakdale Rd, Modesto, CA 95355 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	12 +49 HELOCs	0.5%	92.9%	$407,500	View
BMO Harris Bank NA 4 offices in Modesto 1401 Oakdale Rd, Modesto, CA 95355 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	12 +30 HELOCs	0.5%	60%	$404,166	View
Bank of Stockton 2 offices in Modesto 1302 J St, Modesto, CA 95354 A+5.0 ★Texas Ratio: 0.21%	Conventional, Jumbo	7	0.3%	58.3%	$330,714	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Modesto 2601 Oakdale Rd, Modesto, CA 95355 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	6 +16 HELOCs	0.3%	87.5%	$383,333	View
Columbia Bank 1 office in Modesto 1300 K St, Modesto, CA 95354 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	3 +5 HELOCs	0.1%	60%	$455,000	View
Citibank, NA 2 offices in Modesto 2929 Mchenry Ave, Modesto, CA 95350 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	1 +5 HELOCs	0%	50%	$355,000	View
Mechanics Bank 1 office in Modesto 1407 I St, Modesto, CA 95354 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$435,000	View
Mocse Federal Credit Union 3600 Coffee Rd, Modesto, CA 95355 1163 A+5.0 ★Texas Ratio: 3.35%	Conventional	1	0%	100%	$185,000	View
Tri Counties Bank 1 office in Modesto 3601 Pelandale Ave, Modesto, CA 95356 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +4 HELOCs	0%	n/a		View
Generations Home Loans, LLC	Conventional, FHA, VA	75	3.1%	96.2%	$388,600
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA, VA	43	1.8%	100%	$359,186
The Golden 1 Credit Union 2001 McHenry Ave Ste F, Modesto, CA 95350 3231 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, HELOC	15 +47 HELOCs	0.6%	77.3%	$283,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	11 +2 HELOCs	0.5%	83.3%	$205,909	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	9	0.4%	81.8%	$119,444	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	8	0.3%	80%	$418,750	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	4	0.2%	100%	$312,500	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional	3	0.1%	100%	$211,666	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	3	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	2 +1 HELOCs	0.1%	100%	$375,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	100%	$370,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	2	0.1%	100%	$105,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	1 +3 HELOCs	0%	33.3%	$65,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	1 +3 HELOCs	0%	66.7%	$35,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +2 HELOCs	0%	33.3%	$55,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$325,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$65,000	View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	Conventional, HELOC	1 +1 HELOCs	0%	66.7%	$355,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$45,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0%	100%	$75,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0%	100%	$275,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0%	100%	$345,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional	1	0%	100%	$385,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	VA	1	0%	100%	$425,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional	1	0%	100%	$105,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0%	100%	$135,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional	1	0%	50%	$75,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0%	100%	$55,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +5 HELOCs	0%	n/a		View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +2 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 +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
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	0%		View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	HELOC	0 +1 HELOCs	0%	n/a		View
Guild Mortgage Company	Conventional, FHA, VA	82	3.4%	97.8%	$318,902
Kind Lending, LLC	Conventional, FHA, VA, HELOC	74 +1 HELOCs	3.1%	73.1%	$371,621
American Pacific Mortgage Corporation	Conventional, FHA, VA	63	2.6%	96.9%	$409,444
loanDepot.com LLC	Conventional, FHA, HELOC	47 +7 HELOCs	2%	75%	$170,106
Pennymac Loan Services LLC	Conventional, FHA, VA	41	1.7%	68.9%	$293,536
Paramount Residential Mortgage	Conventional, FHA	40	1.7%	95.2%	$331,500
New American Funding, LLC.	Conventional, FHA, HELOC	29 +3 HELOCs	1.2%	82.9%	$247,413
Golden Empire Mortgage, Inc.	Conventional, FHA	27	1.1%	87.1%	$230,555
Flexpoint, Inc.	Conventional, FHA	27	1.1%	97.6%	$403,148
Franklin Loan Corporation	Conventional, FHA	20	0.8%	100%	$277,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	18	0.8%	88.5%	$368,888	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, HELOC	16 +1 HELOCs	0.7%	84.2%	$349,375
JMAC Lending, Inc.	Conventional, FHA, VA	14	0.6%	100%	$412,857
Alameda Mortgage Corporation	Conventional, FHA	13	0.5%	92.9%	$307,307
Provident Funding Associates	Conventional	12	0.5%	85.7%	$460,833
American Financial Network, Inc.	Conventional, FHA, VA	11	0.5%	100%	$384,090
Land Home Financial Services,	Conventional, FHA	10	0.4%	100%	$398,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	7	0.3%	100%	$363,571
AmWest Funding Corp	Conventional, FHA, VA	7	0.3%	87.5%	$376,428
Zillow Home Loans, LLC	Conventional, FHA	6	0.3%	100%	$391,666
Carrington Mortgage Services LLC	Conventional, VA	6	0.3%	40%	$358,333
Mason-McDuffie Mortgage Corporation	Conventional, FHA	6	0.3%	85.7%	$391,666
Resicentral LLC	Conventional	5	0.2%	100%	$407,000
Greenbox Loans	Conventional	5	0.2%	100%	$305,000
Googain, Inc.	Conventional	4	0.2%	100%	$390,000
Nexera Holding LLC	Conventional	4	0.2%	80%	$297,500
Cake Mortgage Corp.	Conventional	4	0.2%	100%	$387,500
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$451,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	100%	$395,000
General Mortgage Capital Corporation	Conventional	3	0.1%	100%	$238,333
New Wave Lending Group Inc	Conventional, Jumbo	3	0.1%	100%	$598,333
Calcon Mutual Mortgage LLC	FHA	3	0.1%	100%	$455,000
Hometown Equity Mortgage, LLC	Conventional	3	0.1%	37.5%	$428,333
Summit Funding.Inc	Conventional	3	0.1%	100%	$511,666
Operating Engineers Federal Credit Union	Conventional	3	0.1%	75%	$65,000
Plaza Home Mortgage, Inc	FHA, VA	3	0.1%	60%	$448,333
Goodleap, LLC	Conventional, HELOC	2 +2 HELOCs	0.1%	75%	$215,000
Mission Loans, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$210,000
Residential Wholesale Mortgage	Conventional, FHA	2	0.1%	100%	$170,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	100%	$320,000
Stg Mortgage Inc	Conventional	2	0.1%	100%	$305,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$485,000
Intelliloan, Inc.	FHA	2	0.1%	50%	$345,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$285,000
Geo-Corp, Inc.	FHA	2	0.1%	100%	$325,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$540,000
ClearEdge Lending LLC	Conventional	2	0.1%	66.7%	$435,000
MortgageOne, Inc	Conventional	1	0%	100%	$375,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$335,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$65,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	100%	$205,000
Ahl Funding	Conventional	1	0%	100%	$265,000
Royal Pacific Funding	Conventional	1	0%	100%	$575,000
Hightechlending, Inc	Conventional	1	0%	100%	$395,000
JSB Mortgage Corporation	Conventional	1	0%	100%	$365,000
Emet Lending Group, Inc.	Conventional	1	0%	100%	$665,000
SnapFi, Inc.	VA	1	0%	100%	$405,000
Nmsi, Inc.	Conventional	1	0%	100%	$555,000
Vista Point Mortgage, LLC	Conventional	1	0%	100%	$345,000
Figure Lending LLC	HELOC	0 +36 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +11 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	339 +24 HELOCs	14.1%	84.8%	$403,230
Rocket Mortgage	Conventional, FHA, VA	312	13%	80.3%	$274,134
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	127 +4 HELOCs	5.3%	98.5%	$382,401
The Loan Store, Inc	Conventional, FHA, HELOC	65 +9 HELOCs	2.7%	92.2%	$397,307
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	63 +6 HELOCs	2.6%	95.5%	$385,000
Spring Eq, LLC	Conventional, HELOC	42 +23 HELOCs	1.8%	42.7%	$79,285
Newrez LLC	Conventional, FHA, VA	41	1.7%	71.9%	$257,439
Nationstar Mortgage	Conventional, FHA	39	1.6%	78%	$109,358
Freedom Mortgage Corporation	Conventional, FHA, VA	37	1.5%	91.1%	$395,000
Mortgage Research Center	Conventional, FHA, VA	24	1%	68.6%	$400,833
Triad Financial Services, Inc.	Conventional	21	0.9%	61%	$106,428
Amerisave Mortgage Company	Conventional	16	0.7%	41.5%	$58,750
21St Mortgage	Conventional	15	0.6%	42.9%	$91,666
Primelending	Conventional, FHA, VA	14	0.6%	83.3%	$347,142
Equity Prime Mortgage LLC	FHA	11	0.5%	84.6%	$341,363
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.4%	83.3%	$351,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.4%	38.6%	$256,000
Fairway Independent Mort Corp	Conventional, FHA	10	0.4%	83.3%	$244,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	9 +2 HELOCs	0.4%	50%	$128,333
Primary Residential Mortgage, INC.	Conventional, FHA	9	0.4%	100%	$297,222
Loanunited.Com, LLC	Conventional, FHA, VA	8	0.3%	80%	$401,250
Homeowners Financial Group, LLC	Conventional, FHA	8	0.3%	100%	$303,750
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, HELOC	7 +1 HELOCs	0.3%	100%	$412,142	View
Planet Home Lending, LLC	Conventional, FHA	7	0.3%	80%	$380,714
Mutual of Omaha Mortgage	Conventional, FHA, VA	7	0.3%	63.6%	$263,571
Ark-La-Tex Financial Services LLC	Conventional, FHA	6	0.3%	100%	$481,666
Village Capital & Investment	FHA, VA	6	0.3%	78.6%	$443,333
Click n' Close, Inc.	Conventional, FHA	5	0.2%	100%	$199,000
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	4 +13 HELOCs	0.2%	80%	$335,000
myCUmortgage	Conventional	4	0.2%	100%	$457,500
Self Help Federal Credit Union	Conventional	4	0.2%	100%	$355,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.1%	75%	$125,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.1%	60%	$485,000	View
Everett Financial, Inc.	Conventional, FHA	3	0.1%	100%	$291,666
Sage Home Loans Corporation	Conventional	3	0.1%	100%	$348,333
All Credit Considered Mortgage, Inc.	Conventional	3	0.1%	100%	$425,000
Directions Equity, LLC	Conventional, FHA	3	0.1%	100%	$351,666
Discover Bank	Conventional	3	0.1%	12.5%	$98,333
Ameritrust Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$491,666
Nations Direct Mortgage, LLC	Conventional, VA	3	0.1%	100%	$285,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	3	0.1%	100%	$308,333
Leaderone Financial Corp.	Conventional	3	0.1%	100%	$328,333
Allied Mortgage Group, Inc	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$205,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.1%	40%	$205,000
Genisys Credit Union	Conventional	2	0.1%	100%	$520,000
Nbkc Bank	Conventional	2	0.1%	100%	$295,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$245,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.1%	100%	$475,000	View
Nqm Funding, LLC	Conventional	2	0.1%	50%	$455,000
Credit Human Federal Credit Un	Conventional	2	0.1%	66.7%	$80,000
American Financing Corporation	FHA	2	0.1%	36.4%	$270,000
Strong Home Mortgage, LLC	Conventional	2	0.1%	66.7%	$365,000
Geneva Financial LLC	Conventional	2	0.1%	100%	$235,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	FHA	2	0.1%	100%	$395,000	View
Evergreen Moneysource Mortgage Company	Conventional	2	0.1%	100%	$325,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$275,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	2	0.1%	100%	$395,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0.1%	100%	$310,000	View
Mortgage Solutions of Colorado	FHA, VA	2	0.1%	100%	$350,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.1%	100%	$275,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	2	0.1%	100%	$710,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	66.7%	$540,000	View
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$410,000
Champions Funding, LLC	Conventional	2	0.1%	50%	$445,000
Quorum Federal Credit Union	Conventional, HELOC	1 +12 HELOCs	0%	100%	$95,000
Valon Mortgage	Conventional, HELOC	1 +4 HELOCs	0%	100%	$275,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0%	100%	$385,000
Arc Home LLC	Conventional	1	0%	100%	$575,000
First Community Mortgage, Inc.	Conventional	1	0%	100%	$305,000
Guaranteed Rate Affinity, LLC	Conventional	1	0%	100%	$645,000
American Financial Resources LLC	Conventional	1	0%	100%	$305,000
Royal United Mortgage LLC	FHA	1	0%	100%	$265,000
RANLife, Inc.	FHA	1	0%	100%	$295,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0%	100%	$265,000
Servion	Conventional	1	0%	100%	$515,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$545,000
PHH Mortgage Corporation	FHA	1	0%	50%	$425,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0%	100%	$155,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$325,000	View
Michigan Mutual, Inc	FHA	1	0%	100%	$425,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$485,000
Peak Residential Lending Inc	FHA	1	0%	100%	$385,000
First Colony Mortgage Corporat	FHA	1	0%	100%	$495,000
Nfm, Inc	FHA	1	0%	100%	$535,000
Cardinal Financial Company, Li	Conventional	1	0%	100%	$105,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$665,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$205,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	VA	1	0%	100%	$555,000	View
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$125,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$585,000	View
Genway Home Mortgage, Inc.	VA	1	0%	50%	$455,000
Prosperity Home Mortgage, LLC	Conventional	1	0%	100%	$185,000
Lower, LLC	FHA	1	0%	100%	$385,000
RBC Bank (Georgia), N.A.	Conventional	1	0%	100%	$185,000
Top Flite Financial, Inc.	Conventional	1	0%	100%	$255,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$355,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$265,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +21 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 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
Movement Mortgage, LLC	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%

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.

Modesto 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 Modesto, California

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

Types of Mortgage Lenders in Modesto, CA

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

Mortgage companies and brokers 139 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 44 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 79 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 101 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Modesto, CA

Independent mortgage companies closed 88.1 percent of home loans in Modesto, California in 2025, banks 8.6 percent and credit unions 3.3 percent. Generations Home Loans, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mocse Federal Credit Union the largest credit union. Among lenders headquartered in California, Farmers & Merchants Bank of Ce led with 22 loans.

88.1%

Mortgage companies

8.6%

Banks

3.3%

Credit unions

26%

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 Modesto, CA

Who is the largest mortgage lender in Modesto, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Modesto, California with 50 loans, about 2.1 percent of the market. The largest lender headquartered in California was Farmers & Merchants Bank of Ce with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Modesto, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.5 percent, against a 79.6 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 Modesto, CA mortgage lenders offer FHA, VA and USDA loans?

79 lenders closed FHA loans in Modesto, California in 2025, led by United Wholesale Mortgage with 136. 39 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 Modesto, CA lender list?

Yes. 37 banks and 44 credit unions closed home loans in Modesto, California in 2025, alongside 139 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 Modesto, CA ranked on this page?

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