Mortgage Lenders and Brokers in Placerville, 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
Placerville, California mortgage lenders include El Dorado Savings BankEl Dorado Savings Bank4040 El Dorado Rd, Placerville, CA 95667A+5.0 ★Texas Ratio: 0.41%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3980 Missouri Flat Rd, Placerville, CA 95667A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1244 Broadway, Placerville, CA 95667A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.3955 Missouri Flat Rd, Placerville, CA 95667A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA3044 Sacramento St, Placerville, CA 95667A+5.0 ★Texas Ratio: 4.14%, Columbia BankColumbia Bank1224 Broadway, Placerville, CA 95667A+5.0 ★Texas Ratio: 2.28%, River City BankRiver City Bank348 Main St, Placerville, CA 95667A+5.0 ★Texas Ratio: 0.00%, Schoolsfirst FCUSchoolsfirst FCU4278 Golden Center Dr Ste 100, Placerville, CA 95667A+5.0 ★Texas Ratio: 5.56%, The Golden 1 Credit UnionThe Golden 1 Credit Union3966 Missouri Flat Rd # 0, Placerville, CA 95667 5239A+5.0 ★Texas Ratio: 5.50%, and Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%. 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 Placerville, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Placerville 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 Placerville, California
Market share is the lender's share of all home loans closed in Placerville, 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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4040 El Dorado Rd, Placerville, CA 95667 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 5 | 1.8% | 50% | $175,000 | View |
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1 office in Placerville 3980 Missouri Flat Rd, Placerville, CA 95667 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1.5% | 100% | $302,500 | View |
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2 offices in Placerville 1244 Broadway, Placerville, CA 95667 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.5% | 57.1% | $237,500 | View |
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1 office in Placerville 3955 Missouri Flat Rd, Placerville, CA 95667 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 1.1% | 75% | $151,666 | View |
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1 office in Placerville 3044 Sacramento St, Placerville, CA 95667 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $585,000 | View |
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1 office in Placerville 1224 Broadway, Placerville, CA 95667 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $425,000 | View |
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1 office in Placerville 348 Main St, Placerville, CA 95667 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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4278 Golden Center Dr Ste 100, Placerville, CA 95667 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 8 +10 HELOCs |
3% | 88.9% | $191,250 | View |
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3966 Missouri Flat Rd # 0, Placerville, CA 95667 5239 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 3 +9 HELOCs |
1.1% | 100% | $245,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 3 | 1.1% | 75% | $808,333 | View |
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225 Placerville Dr, Placerville, CA 95667 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $215,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 2 | 0.7% | 100% | $415,000 | View |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $85,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.4% | 100% | $765,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.4% | 100% | $725,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.4% | 100% | $565,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo | 1 | 0.4% | 100% | $965,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 33.3% | $155,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA | 7 | 2.6% | 88.9% | $432,142 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 2.2% | 66.7% | $508,333 | |
Kind Lending, LLC
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Conventional, FHA, VA | 5 | 1.8% | 83.3% | $357,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 5 | 1.8% | 100% | $421,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
1.5% | 100% | $325,000 | |
MortgageOne, Inc
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Conventional, FHA | 4 | 1.5% | 100% | $400,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional, VA | 4 | 1.5% | 100% | $387,500 | |
Generations Home Loans, LLC
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Conventional, FHA | 3 | 1.1% | 100% | $365,000 | |
American Heritage Lending, LLC
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Conventional, Jumbo | 2 | 0.7% | 100% | $780,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.7% | 100% | $445,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $665,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Infinity Equity Group, Inc.
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Conventional | 1 | 0.4% | 100% | $235,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,125,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Ahl Funding
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FHA | 1 | 0.4% | 100% | $425,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Stg Mortgage Inc
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USDA | 1 | 0.4% | 100% | $395,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $545,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $345,000 | |
SnapFi, Inc.
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Summit Funding.Inc
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FHA | 1 | 0.4% | 100% | $445,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.4% | 100% | $345,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $265,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 59 +2 HELOCs |
21.8% | 92.4% | $461,440 | |
Rocket Mortgage
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Conventional, FHA | 24 | 8.9% | 78.1% | $295,833 | |
Newrez LLC
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Conventional, FHA, VA | 12 | 4.4% | 100% | $494,166 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 10 +1 HELOCs |
3.7% | 83.3% | $414,000 | |
Spring Eq, LLC
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Conventional | 8 | 3% | 61.5% | $101,250 | |
CrossCountry Mortgage, LLC
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Conventional | 4 | 1.5% | 100% | $252,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 4 | 1.5% | 100% | $492,500 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.1% | 75% | $408,333 | |
Union Home Mortgage Corp.
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Conventional, VA | 3 | 1.1% | 100% | $338,333 | |
Mortgage Research Center
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VA | 3 | 1.1% | 75% | $458,333 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.7% | 100% | $375,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.7% | 100% | $145,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $325,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.7% | 100% | $65,000 | |
Bay Equity LLC
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Conventional | 2 | 0.7% | 100% | $425,000 | |
Peoples Mortgage Company
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Conventional, FHA | 2 | 0.7% | 100% | $220,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $275,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 66.7% | $180,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.7% | 100% | $200,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $885,000 | View |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.4% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
VA | 1 | 0.4% | 100% | $525,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $565,000 | |
Peak Residential Lending Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Connexus Credit Union
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Conventional | 1 | 0.4% | 100% | $105,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 50% | $335,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Salal Credit Union
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $535,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
Lower, LLC
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Conventional | 1 | 0.4% | 50% | $535,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.4% | 100% | $315,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $195,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.4% | 100% | $365,000 | |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | 0% |
Placerville 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 Placerville, California
Looking for mortgage lenders near me or mortgage brokers near me in Placerville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Placerville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Placerville, CA
Use these to narrow the list above. Each category shows how many Placerville, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Placerville, CA
Independent mortgage companies closed 80.8 percent of home loans in Placerville, California in 2025, banks 11.4 percent and credit unions 7.7 percent. Sun West Mortgage Company, Inc was the largest mortgage company, El Dorado Savings Bank the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, El Dorado Savings Bank led with 5 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 Placerville, CA
By home loans closed in 2025, El Dorado Savings Bank was the largest mortgage lender in Placerville, California with 5 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Placerville, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.4 percent, against a 85.7 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.
27 lenders closed FHA loans in Placerville, California in 2025, led by United Wholesale Mortgage with 14. 9 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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.
Yes. 20 banks and 18 credit unions closed home loans in Placerville, California in 2025, alongside 60 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 Placerville, 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 Placerville, 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 Placerville. 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.
