Mortgage Lenders and Brokers in Rio Linda, 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
Rio Linda, California mortgage lenders include Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, and El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%. 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 Rio Linda, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rio Linda 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 Rio Linda, California
Market share is the lender's share of all home loans closed in Rio Linda, 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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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 6 +2 HELOCs |
3.4% | 85.7% | $83,333 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 3 +2 HELOCs |
1.7% | 75% | $95,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $590,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.1% | 66.7% | $460,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 50% | $655,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.6% | 50% | $25,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $75,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 0.6% | 100% | $425,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional | 1 | 0.6% | 100% | $15,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +8 HELOCs |
0% | 28.6% | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
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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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Paramount Residential Mortgage
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Conventional, FHA | 10 | 5.7% | 100% | $256,000 | |
Kind Lending, LLC
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Conventional, FHA | 6 | 3.4% | 46.2% | $315,000 | |
loanDepot.com LLC
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Conventional, VA | 5 | 2.9% | 83.3% | $331,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 2.9% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 4 | 2.3% | 100% | $370,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 2.3% | 100% | $235,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 3 +1 HELOCs |
1.7% | 100% | $371,666 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.1% | 66.7% | $160,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 1.1% | 100% | $650,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 1.1% | 100% | $460,000 | |
Goodleap, LLC
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VA, HELOC | 1 +1 HELOCs |
0.6% | 50% | $435,000 | |
Alameda Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $265,000 | |
Resicentral LLC
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FHA | 1 | 0.6% | 100% | $475,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.6% | 100% | $405,000 | |
Constant Investments, Inc
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Conventional | 1 | 0.6% | 100% | $715,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Googain, Inc.
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Conventional | 1 | 0.6% | 100% | $705,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Land Home Financial Services,
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FHA | 1 | 0.6% | 100% | $365,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.6% | 100% | $465,000 | |
Ardri LLC
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.6% | 100% | $395,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $425,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $75,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 32 +1 HELOCs |
18.3% | 82.1% | $410,937 | |
Rocket Mortgage
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Conventional, FHA | 24 | 13.7% | 80% | $327,083 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 6 +2 HELOCs |
3.4% | 75% | $456,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 4 +1 HELOCs |
2.3% | 100% | $342,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.7% | 100% | $398,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 3 | 1.7% | 80% | $331,666 | View |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.7% | 75% | $125,000 | |
Premier Mortgage Resources, LLC
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FHA, VA | 2 | 1.1% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.1% | 100% | $215,000 | |
Mortgage Research Center
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VA | 2 | 1.1% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 1.1% | 100% | $215,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +3 HELOCs |
0.6% | 12.5% | $65,000 | |
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B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 10% | $35,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $425,000 | |
Newrez LLC
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VA | 1 | 0.6% | 50% | $445,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $465,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.6% | 25% | $355,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $235,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.6% | 100% | $385,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.6% | 100% | $425,000 | |
21St Mortgage
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.6% | 16.7% | $135,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rio Linda 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 Rio Linda, California
Looking for mortgage lenders near me or mortgage brokers near me in Rio Linda? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rio Linda in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rio Linda, CA
Use these to narrow the list above. Each category shows how many Rio Linda, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rio Linda, CA
Independent mortgage companies closed 86.9 percent of home loans in Rio Linda, California in 2025, banks 6.3 percent and credit unions 6.9 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Bank of America NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 6 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 Rio Linda, CA
By home loans closed in 2025, Schoolsfirst FCU was the largest mortgage lender in Rio Linda, California with 6 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Rio Linda, California in 2025, led by United Wholesale Mortgage with 11. 8 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 9 banks and 11 credit unions closed home loans in Rio Linda, California in 2025, alongside 51 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 Rio Linda, 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 Rio Linda, 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 Rio Linda. 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.
