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Mortgage Lenders and Brokers in Rancho Cordova, California

Content reviewed by

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

Rancho Cordova, California mortgage lenders include US Bank, N.A.US Bank, N.A.3217 Zinfandel Dr, Rancho Cordova, CA 95670A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4026 Sunrise Blvd, Rancho Cordova, CA 95742A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2010 Gold Field Dr, Rancho Cordova, CA 95670A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA10607 Folsom Blvd, Rancho Cordova, CA 95670A+5.0 ★Texas Ratio: 4.14%, First Northern Bank of DixonFirst Northern Bank of Dixon2901 Sunrise Blvd, Rancho Cordova, CA 95742A+5.0 ★Texas Ratio: 2.69%, The Golden 1 Credit UnionThe Golden 1 Credit Union11130 Sun Center Dr, Rancho Cordova, CA 95670 6112A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union12519 Folsom Blvd, Rancho Cordova, CA 95742A+5.0 ★Texas Ratio: 3.24%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, and Heritage Community Credit UnionHeritage Community Credit Union5329 Sunrise Blvd, Fair Oaks, CA 95628 3539A+5.0 ★Texas Ratio: 5.95%. 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 Rancho Cordova, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho Cordova 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 Rancho Cordova, California

Market share is the lender's share of all home loans closed in Rancho Cordova, 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 Rancho Cordova 3217 Zinfandel Dr, Rancho Cordova, CA 95670 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	51 +6 HELOCs	2.7%	85%	$412,254	View
JPMorgan Chase Bank, NA 1 office in Rancho Cordova 4026 Sunrise Blvd, Rancho Cordova, CA 95742 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	6 +1 HELOCs	0.3%	85.7%	$436,666	View
Wells Fargo Bank NA 1 office in Rancho Cordova 2010 Gold Field Dr, Rancho Cordova, CA 95670 A+5.0 ★Texas Ratio: 5.36%	Conventional	5	0.3%	83.3%	$265,000	View
Bank of America NA 2 offices in Rancho Cordova 10607 Folsom Blvd, Rancho Cordova, CA 95670 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +13 HELOCs	0.1%	40%	$405,000	View
First Northern Bank of Dixon 1 office in Rancho Cordova 2901 Sunrise Blvd, Rancho Cordova, CA 95742 A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0.1%	100%	$415,000	View
The Golden 1 Credit Union 11130 Sun Center Dr, Rancho Cordova, CA 95670 6112 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	25 +78 HELOCs	1.3%	92.6%	$299,400	View
SAFE Credit Union 12519 Folsom Blvd, Rancho Cordova, CA 95742 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	12 +13 HELOCs	0.6%	85.7%	$262,500	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	10 +9 HELOCs	0.5%	83.3%	$270,000	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	10	0.5%	76.9%	$131,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional, HELOC	7 +1 HELOCs	0.4%	87.5%	$50,714	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA, HELOC	4 +1 HELOCs	0.2%	83.3%	$505,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	3 +5 HELOCs	0.2%	100%	$355,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$85,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	100%	$435,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, VA, HELOC	2 +2 HELOCs	0.1%	50%	$475,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	66.7%	$375,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$465,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$425,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	VA	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%	$35,000	View
River City Bank 5650 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	50%	$35,000	View
Yolo Federal Credit Union 501 G St, Davis, CA 95616 A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$55,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$415,000	View
Bank of Marin ★ 2 stars, 1 review 2208 S Shore Ctr, Alameda, CA 94501 A+5.0 ★Texas Ratio: 2.03%	Conventional, Jumbo	1	0.1%	100%	$845,000	View
El Dorado Savings Bank 1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41%	Conventional	1	0.1%	100%	$145,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional, Jumbo	1	0.1%	100%	$885,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional	1	0.1%	100%	$25,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 HELOCs	0%	n/a		View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +2 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
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	HELOC	0 +1 HELOCs	0%	0%		View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	64 +3 HELOCs	3.4%	94.1%	$477,656
Kind Lending, LLC	Conventional, FHA, VA	38	2%	76.9%	$389,736
Pennymac Loan Services LLC	Conventional, FHA, VA	36	1.9%	90.2%	$358,333
Guild Mortgage Company	Conventional, FHA, VA	33	1.8%	97.3%	$378,636
American Pacific Mortgage Corporation	Conventional, FHA, VA	28	1.5%	96.6%	$410,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	14	0.7%	93.3%	$470,714
Zillow Home Loans, LLC	Conventional, FHA, VA	13	0.7%	92.9%	$444,230
Paramount Residential Mortgage	Conventional, FHA, VA	13	0.7%	100%	$408,076
Provident Funding Associates	Conventional	12	0.6%	86.7%	$399,166
Alameda Mortgage Corporation	Conventional, FHA	10	0.5%	90.9%	$376,000
Nmsi, Inc.	Conventional, FHA	7	0.4%	100%	$400,714
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	5	0.3%	83.3%	$461,000	View
Summit Funding.Inc	Conventional, FHA	5	0.3%	83.3%	$371,000
Goodleap, LLC	Conventional, FHA, VA, HELOC	4 +4 HELOCs	0.2%	100%	$280,000
JSB Mortgage Corporation	Conventional	4	0.2%	100%	$512,500
Generations Home Loans, LLC	Conventional, FHA	4	0.2%	100%	$275,000
New American Funding, LLC.	Conventional, VA	4	0.2%	100%	$332,500
Carrington Mortgage Services LLC	Conventional, FHA, VA	4	0.2%	50%	$477,500
Cake Mortgage Corp.	Conventional	4	0.2%	83.3%	$450,000
JMAC Lending, Inc.	Conventional, FHA	4	0.2%	100%	$457,500
Mason-McDuffie Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$468,333
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	2	0.1%	100%	$490,000
AdvantageFirst Lending Inc	FHA	2	0.1%	100%	$420,000
American Financial Network, Inc.	Conventional, FHA	2	0.1%	66.7%	$240,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$445,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	66.7%	$450,000
Royal Pacific Funding	Conventional	2	0.1%	100%	$380,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$555,000
Flexpoint, Inc.	FHA, VA	2	0.1%	100%	$530,000
Stg Mortgage Inc	Conventional, FHA	2	0.1%	100%	$355,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$365,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$495,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$465,000
AmWest Funding Corp	Conventional	1	0.1%	50%	$405,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$315,000
First Stardand Financial dba Nexcap Home Loans	Conventional	1	0.1%	100%	$135,000
Linked Home Loans, LLC dba Home Guide Mortgage	VA	1	0.1%	100%	$395,000
West Coast Mortgage Group & Realty Co	Conventional	1	0.1%	100%	$485,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$345,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	FHA	1	0.1%	100%	$495,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$545,000
Ardri LLC	Conventional	1	0.1%	100%	$325,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$425,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$435,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	255 +15 HELOCs	13.6%	88.4%	$457,588
Lennar Mortgage, LLC	Conventional, FHA, VA	248	13.2%	90.9%	$461,370
K. Hovnanian American Mortgage	Conventional, FHA, VA	167	8.9%	92.3%	$497,934
Rocket Mortgage	Conventional, FHA, VA	165	8.8%	81.6%	$320,696
The Loan Store, Inc	Conventional, FHA, VA, HELOC	60 +9 HELOCs	3.2%	95.7%	$415,333
Pulte Mortgage LLC	Conventional, FHA, VA	51	2.7%	87.9%	$601,078
Tri Pointe Connect, LLC	Conventional, FHA, VA	45	2.4%	92.7%	$549,666
Clm Mortgage, Inc	Conventional, FHA, VA	44	2.4%	100%	$526,136
Homeamerican Mortgage Corporation	Conventional, FHA, VA	28	1.5%	96.6%	$523,214
Spring Eq, LLC	Conventional, HELOC	22 +11 HELOCs	1.2%	52.3%	$80,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	20 +1 HELOCs	1.1%	90.9%	$524,500
Freedom Mortgage Corporation	Conventional, FHA, VA	20	1.1%	93.1%	$481,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	16 +2 HELOCs	0.9%	100%	$395,000	View
Newrez LLC	Conventional, FHA, VA	16	0.9%	66.7%	$522,500
Nationstar Mortgage	Conventional, FHA, VA	15	0.8%	77.3%	$188,333
Mortgage Research Center	Conventional, VA	12	0.6%	57.1%	$487,500
Triad Financial Services, Inc.	Conventional	10	0.5%	68.6%	$116,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +1 HELOCs	0.5%	64.3%	$388,333
Movement Mortgage, LLC	Conventional, FHA, VA	9	0.5%	100%	$458,333
Kbhs Home Loans, LLC	Conventional, FHA, VA	7	0.4%	77.8%	$405,000
Lakeview Loan Servicing, LLC	Conventional, FHA	6	0.3%	26.5%	$365,000
Amerisave Mortgage Company	Conventional	6	0.3%	54.5%	$75,000
Planet Home Lending, LLC	Conventional, FHA	5	0.3%	83.3%	$403,000
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.2%	100%	$297,500
Guaranteed Rate, Inc.	Conventional, VA	4	0.2%	100%	$427,500
Canopy Mortgage, LLC	Conventional	4	0.2%	100%	$325,000
Go Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$432,500
Directors Mortgage, Inc	Conventional, FHA	4	0.2%	100%	$187,500
PHH Mortgage Corporation	Conventional, VA	4	0.2%	80%	$405,000
Discover Bank	Conventional	4	0.2%	38.5%	$100,000
Peak Residential Lending Inc	Conventional, FHA	4	0.2%	100%	$635,000
Nations Direct Mortgage, LLC	Conventional	4	0.2%	100%	$197,500
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	4	0.2%	100%	$460,000	View
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	3 +8 HELOCs	0.2%	50%	$438,333
Ukrainian Federal Credit Union A5.0 ★Texas Ratio: 10.53%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$345,000
Click n' Close, Inc.	Conventional, FHA	3	0.2%	100%	$301,666
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.2%	100%	$375,000	View
21St Mortgage	Conventional	3	0.2%	25%	$71,666
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	3	0.2%	100%	$391,666	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.2%	100%	$295,000	View
Ark-La-Tex Financial Services LLC	Conventional	3	0.2%	100%	$311,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$465,000	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	2	0.1%	100%	$420,000
Primelending	Conventional, FHA	2	0.1%	50%	$375,000
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.1%	100%	$410,000
Everett Financial, Inc.	Conventional	2	0.1%	100%	$295,000
Nbkc Bank	Conventional, VA	2	0.1%	100%	$520,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	100%	$495,000
Loanunited.Com, LLC	VA	2	0.1%	100%	$465,000
Union Home Mortgage Corp.	Conventional, VA	2	0.1%	66.7%	$620,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$410,000
Homeowners Financial Group, LLC	Conventional	2	0.1%	100%	$295,000
Nfm, Inc	Conventional	2	0.1%	100%	$335,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional, VA	2	0.1%	100%	$440,000	View
Fairway Independent Mort Corp	Conventional	2	0.1%	100%	$450,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	75%	$335,000	View
Village Capital & Investment	FHA	2	0.1%	57.1%	$490,000
Alliant Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$665,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$75,000	View
First Technology Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$625,000
Better Mortgage Corporation	FHA, HELOC	1 +2 HELOCs	0.1%	25%	$475,000
Lower, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$535,000
Pacific Residential Mortgage, LLC	Conventional	1	0.1%	100%	$315,000
EMM Loans LLC	Conventional	1	0.1%	100%	$215,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$545,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$365,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$415,000	View
NOVA Financial & Investment Corporation	FHA	1	0.1%	100%	$445,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$405,000
Taylor Morrison Home Funding, Inc.	Conventional	1	0.1%	100%	$465,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$415,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$575,000
Signature Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Dart Bank	Conventional	1	0.1%	100%	$325,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$315,000
Data Mortgage, Inc	Conventional	1	0.1%	100%	$465,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$575,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$245,000
City 1st Mortgage Services, LC	Conventional	1	0.1%	100%	$285,000
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$405,000
Credit Human Federal Credit Un	Conventional	1	0.1%	40%	$65,000
American Financing Corporation	Conventional	1	0.1%	100%	$175,000
Bay Equity LLC	Conventional	1	0.1%	100%	$305,000
Real Genius LLC	Conventional	1	0.1%	100%	$605,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$495,000	View
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$95,000
Peoples Mortgage Company	Conventional	1	0.1%	100%	$365,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	FHA	1	0.1%	100%	$415,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$595,000	View
Uif Corporation	Conventional	1	0.1%	100%	$125,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$375,000
Genway Home Mortgage, Inc.	Conventional	1	0.1%	100%	$555,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$475,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$355,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	33.3%	$755,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$435,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$365,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$795,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$155,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +16 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon 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

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.

Rancho Cordova 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 Rancho Cordova, California

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

Types of Mortgage Lenders in Rancho Cordova, CA

Use these to narrow the list above. Each category shows how many Rancho Cordova, 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 36 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 59 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 45 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 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 71 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Rancho Cordova, CA

Independent mortgage companies closed 89.2 percent of home loans in Rancho Cordova, California in 2025, banks 5.7 percent and credit unions 5.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 2 loans.

89.2%

Mortgage companies

5.7%

Banks

5.1%

Credit unions

17%

FHA loans

10%

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 Rancho Cordova, CA

Who is the largest mortgage lender in Rancho Cordova, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Rancho Cordova, California with 51 loans, about 2.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Rancho Cordova, California, The Loan Store, Inc approved the highest share of completed applications in 2025 at 95.7 percent, against a 85.4 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 Rancho Cordova, CA mortgage lenders offer FHA, VA and USDA loans?

59 lenders closed FHA loans in Rancho Cordova, California in 2025, led by United Wholesale Mortgage with 60. 45 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 Rancho Cordova, CA lender list?

Yes. 36 banks and 31 credit unions closed home loans in Rancho Cordova, 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 Rancho Cordova, CA ranked on this page?

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