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Mortgage Lenders and Brokers in Sacramento, California

Content reviewed by

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

Sacramento, California mortgage lenders include The Golden 1 Credit UnionThe Golden 1 Credit Union2550 W El Camino Ave Ste 14, Sacramento, CA 95833 3900A+5.0 ★Texas Ratio: 5.50%, US Bank, N.A.US Bank, N.A.2851 Del Paso Rd, Sacramento, CA 95835A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7301 W Stockton Blvd, Sacramento, CA 95823A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1600 Exposition Blvd, Sacramento, CA 95815A+5.0 ★Texas Ratio: 5.36%, Sacramento Credit UnionSacramento Credit Union800 H St, Sacramento, CA 95814 2607A+5.0 ★Texas Ratio: 0.33%, Bank of America NABank of America NA1515 Broadway, Sacramento, CA 95818A+5.0 ★Texas Ratio: 4.14%, Sofi Bank, National AssociationSofi Bank, National Association1409 28th St, Sacramento, CA 95816A+5.0 ★Texas Ratio: 0.51%, BMO Harris Bank NABMO Harris Bank NA500 Capitol Mall, Sacramento, CA 95814A+5.0 ★Texas Ratio: 3.54%, East West BankEast West Bank4790 Freeport Blvd, Sacramento, CA 95822A+5.0 ★Texas Ratio: 2.84%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust440 Drake Cir, Sacramento, CA 95864A5.0 ★Texas Ratio: 7.72%. 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 Sacramento, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sacramento 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 Sacramento, California

Market share is the lender's share of all home loans closed in Sacramento, 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
The Golden 1 Credit Union 2550 W El Camino Ave Ste 14, Sacramento, CA 95833 3900 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	129 +454 HELOCs	2.2%	77.3%	$345,620	View
US Bank, N.A. 9 offices in Sacramento 2851 Del Paso Rd, Sacramento, CA 95835 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	71 +37 HELOCs	1.2%	66.7%	$427,816	View
JPMorgan Chase Bank, NA 15 offices in Sacramento 7301 W Stockton Blvd, Sacramento, CA 95823 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	68 +6 HELOCs	1.2%	89.6%	$495,735	View
Wells Fargo Bank NA 21 offices in Sacramento 1600 Exposition Blvd, Sacramento, CA 95815 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA, Jumbo	47	0.8%	71.2%	$484,148	View
Sacramento Credit Union 800 H St, Sacramento, CA 95814 2607 A+5.0 ★Texas Ratio: 0.33%	Conventional	45	0.8%	68.1%	$224,777	View
Bank of America NA 14 offices in Sacramento 1515 Broadway, Sacramento, CA 95818 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	36 +92 HELOCs	0.6%	76.6%	$388,611	View
Sofi Bank, National Association 1 office in Sacramento 1409 28th St, Sacramento, CA 95816 A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	22	0.4%	82.1%	$245,909	View
BMO Harris Bank NA 4 offices in Sacramento 500 Capitol Mall, Sacramento, CA 95814 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	16 +11 HELOCs	0.3%	72.7%	$804,375	View
East West Bank 1 office in Sacramento 4790 Freeport Blvd, Sacramento, CA 95822 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	14 +1 HELOCs	0.2%	70%	$435,000	View
First Ciitizens Bank and Trust 1 office in Sacramento 440 Drake Cir, Sacramento, CA 95864 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, HELOC	12 +2 HELOCs	0.2%	100%	$265,833	View
Citibank, NA 3 offices in Sacramento 7231 Greenhaven Dr, Sacramento, CA 95831 A+5.0 ★Texas Ratio: 2.82%	Conventional, FHA	8	0.1%	80%	$365,000	View
Tri Counties Bank 2 offices in Sacramento 801 K St, Sacramento, CA 95814 A+5.0 ★Texas Ratio: 5.34%	Conventional, HELOC	7 +9 HELOCs	0.1%	70%	$403,571	View
River City Bank 2 offices in Sacramento 2480 Natomas Park Dr, Sacramento, CA 95833 A+5.0 ★Texas Ratio: 0.00%	Conventional	7	0.1%	100%	$270,714	View
Sunflower Bank, N.A. 1 office in Sacramento 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional, FHA, VA, Jumbo	7	0.1%	100%	$602,142	View
Columbia Bank 2 offices in Sacramento 1545 River Park Dr, Sacramento, CA 95815 A+5.0 ★Texas Ratio: 2.28%	Conventional, FHA, Jumbo, HELOC	6 +3 HELOCs	0.1%	85.7%	$570,000	View
Zions Bancorporation, N.A. 2 offices in Sacramento 1800 Arden Way, Sacramento, CA 95815 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.1%	90.9%	$745,000	View
Bank of Marin ★ 2 stars, 1 review 3 offices in Sacramento 1545 River Park Dr, Sacramento, CA 95815 A+5.0 ★Texas Ratio: 2.03%	Conventional	5	0.1%	83.3%	$223,000	View
Farmers & Merchants Bank of Ce 2 offices in Sacramento 1303 J St, Sacramento, CA 95814 A+5.0 ★Texas Ratio: 0.87%	Conventional, Jumbo	4	0.1%	100%	$787,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Sacramento 2277 Watt Ave, Sacramento, CA 95825 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +7 HELOCs	0%	50%	$365,000	View
Banner Bank 1 office in Sacramento 1 Park Center Dr, Sacramento, CA 95825 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	2 +2 HELOCs	0%	100%	$160,000	View
Cathay Bank 1 office in Sacramento 4970 Freeport Blvd, Sacramento, CA 95822 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0%	50%	$115,000	View
First Northern Bank of Dixon 1 office in Sacramento 1375 Exposition Blvd, Sacramento, CA 95815 A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0%	100%	$275,000	View
Summit Funding.Inc	Conventional, FHA, VA	30	0.5%	100%	$362,333
West Coast Mortgage Group & Realty Co	Conventional	4	0.1%	100%	$347,500
Schoolsfirst FCU 5210 Madison Ave, Sacramento, CA 95841 A+5.0 ★Texas Ratio: 5.56%	Conventional, FHA, HELOC	87 +121 HELOCs	1.5%	76.1%	$167,413	View
SAFE Credit Union 2901 K St Ste 100, Sacramento, CA 95816 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	27 +55 HELOCs	0.5%	87.1%	$137,962	View
El Dorado Savings Bank 5500 Folsom Blvd, Sacramento, CA 95819 A+5.0 ★Texas Ratio: 0.41%	Conventional, Jumbo	24	0.4%	89.3%	$197,083	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA, Jumbo	23	0.4%	92.6%	$425,434	View
Patelco Credit Union 2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	15 +28 HELOCs	0.3%	88.9%	$169,666	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	12 +4 HELOCs	0.2%	85.7%	$232,500	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, FHA, HELOC	11 +4 HELOCs	0.2%	87.5%	$134,090	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	11	0.2%	91.7%	$421,363	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, VA, HELOC	8 +2 HELOCs	0.1%	61.5%	$448,750	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	4 +3 HELOCs	0.1%	80%	$285,000	View
Yolo Federal Credit Union 501 G St, Davis, CA 95616 A+5.0 ★Texas Ratio: 4.24%	Conventional	4	0.1%	44.4%	$125,000	View
Heritage Community Credit Union 10415 Old Placerville Rd, Sacramento, CA 95827 2508 A+5.0 ★Texas Ratio: 5.95%	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$258,333	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	3	0.1%	100%	$188,333	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	3	0.1%	60%	$291,666	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	3	0.1%	75%	$378,333	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	3	0.1%	100%	$258,333	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	2 +7 HELOCs	0%	75%	$170,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	2 +3 HELOCs	0%	66.7%	$515,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$200,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$160,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	2	0%	100%	$470,000
University Credit Union 1500 S Sepulveda Blvd, Los Angeles, CA 90025 A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0%	100%	$255,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	2	0%	100%	$515,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	1 +7 HELOCs	0%	100%	$115,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$405,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0%	50%	$1,145,000	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%	$155,000	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%	100%	$205,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$965,000	View
First Western Trust Bank 1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0%	100%	$585,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0%	100%	$705,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0%	100%	$165,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	VA	1	0%	100%	$265,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional	1	0%	100%	$305,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0%	100%	$275,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0%	100%	$405,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0%	100%	$425,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$485,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0%	100%	$295,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0%	100%	$265,000	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	1	0%	50%	$35,000	View
San Joaquin Power Employees Credit Union 1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17%	Conventional	1	0%	100%	$265,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0%	100%	$135,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0%	100%	$475,000	View
Bank of Stockton 229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0%	100%	$75,000	View
City National Bank 7311 Greenhaven Dr, Sacramento, CA 95831 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	1	0%	100%	$885,000	View
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	250	4.3%	96%	$342,440
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	172 +8 HELOCs	3%	88.9%	$420,465
Kind Lending, LLC	Conventional, FHA, VA, HELOC	132 +3 HELOCs	2.3%	76.6%	$353,560
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	124	2.1%	79.9%	$408,709
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	121	2.1%	96.8%	$415,495
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	71	1.2%	93.4%	$365,563
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, Jumbo	57	1%	91.9%	$413,947
Provident Funding Associates	Conventional	48	0.8%	98%	$478,333
New American Funding, LLC.	Conventional, FHA, HELOC	36 +6 HELOCs	0.6%	70.6%	$346,111
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	29	0.5%	89.1%	$340,172	View
Zillow Home Loans, LLC	Conventional, FHA, VA	29	0.5%	96.9%	$421,551
AmWest Funding Corp	Conventional, FHA, VA, HELOC	28 +2 HELOCs	0.5%	96.6%	$337,857
Plaza Home Mortgage, Inc	Conventional, FHA	24	0.4%	66.7%	$392,916
Generations Home Loans, LLC	Conventional, FHA, VA	23	0.4%	100%	$451,086
Land Home Financial Services,	Conventional, FHA, VA	20	0.3%	100%	$388,500
Nmsi, Inc.	Conventional, FHA	20	0.3%	100%	$325,000
Alameda Mortgage Corporation	Conventional, FHA, VA	19	0.3%	95%	$357,631
Resicentral LLC	Conventional, FHA	19	0.3%	95.7%	$434,473
AdvantageFirst Lending Inc	Conventional, FHA, VA	15	0.3%	75%	$392,333
American Financial Network, Inc.	Conventional, FHA, VA	15	0.3%	84.2%	$360,333
General Mortgage Capital Corporation	Conventional	15	0.3%	100%	$401,666
Nexera Holding LLC	Conventional	15	0.3%	100%	$262,333
Golden Empire Mortgage, Inc.	Conventional, FHA	14	0.2%	94.1%	$282,857
Carrington Mortgage Services LLC	Conventional, FHA, VA	13	0.2%	36%	$299,615
Mason-McDuffie Mortgage Corporation	Conventional, FHA, VA	13	0.2%	86.7%	$408,076
Stg Mortgage Inc	Conventional, FHA	11	0.2%	92.3%	$406,818
Googain, Inc.	Conventional	10	0.2%	90.9%	$344,000
New Wave Lending Group Inc	Conventional, FHA, Jumbo	10	0.2%	100%	$361,000
Goodleap, LLC	Conventional, FHA, VA, HELOC	9 +13 HELOCs	0.2%	61.1%	$336,111
Royal Pacific Funding	Conventional, FHA	9	0.2%	100%	$357,222
Constant Investments, Inc	Conventional	8	0.1%	100%	$460,000
JMAC Lending, Inc.	Conventional, FHA	8	0.1%	100%	$456,250
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	7	0.1%	100%	$412,142
Citadel Servicing Corporation	Conventional	6	0.1%	100%	$280,000
Mission Loans, LLC	Conventional, HELOC	5 +5 HELOCs	0.1%	75%	$123,000
Residential Wholesale Mortgage	Conventional	5	0.1%	100%	$539,000
Flexpoint, Inc.	Conventional, FHA	5	0.1%	100%	$323,000
Calcon Mutual Mortgage LLC	Conventional, FHA	5	0.1%	100%	$373,000
Hometown Equity Mortgage, LLC	Conventional, FHA	5	0.1%	45.5%	$205,000
Watermark Capital, Inc.	Conventional	4	0.1%	100%	$375,000
Fidelity Lending Solutions Inc	Conventional	4	0.1%	100%	$297,500
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.1%	75%	$415,000
Catalyst Mortgage	Conventional	3	0.1%	100%	$335,000
Franklin Loan Corporation	FHA	3	0.1%	100%	$418,333
Cake Mortgage Corp.	Conventional	3	0.1%	100%	$331,666
AAA Capital Investment, Inc	Conventional	2	0%	100%	$300,000
Bay-Valley Mortgage Group	Conventional	2	0%	100%	$365,000
HomeXpress Mortgage Corp.	Conventional	2	0%	33.3%	$830,000
Abundance 99, Inc.	Conventional	2	0%	100%	$445,000
American Heritage Lending, LLC	Conventional	2	0%	100%	$400,000
American Internet Mortgage, Inc.	Conventional	2	0%	100%	$445,000
Intelliloan, Inc.	Conventional, FHA	2	0%	100%	$375,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0%	100%	$720,000
SnapFi, Inc.	Conventional	2	0%	100%	$325,000
Operating Engineers Federal Credit Union	Conventional	2	0%	100%	$130,000
Fundloans Capital	Conventional	1	0%	100%	$475,000
MortgageOne, Inc	VA	1	0%	100%	$565,000
Pacific Lending LLC	Conventional	1	0%	100%	$315,000
Infinity Equity Group, Inc.	FHA	1	0%	100%	$255,000
5Th Sreet Capital Inc.	Conventional	1	0%	100%	$305,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	100%	$295,000
PFN Lending Group, Inc.	Conventional	1	0%	100%	$555,000
Ahl Funding	FHA	1	0%	100%	$415,000
JMJ Financial Group Inc.	Conventional	1	0%	50%	$355,000
Ez Fundings Inc	Conventional	1	0%	100%	$535,000
Greenbox Loans	Conventional	1	0%	100%	$125,000
The Police Credit Union of California	Conventional	1	0%	33.3%	$45,000
T. J. Financial, Inc.	Conventional	1	0%	100%	$375,000
Geo-Corp, Inc.	FHA	1	0%	100%	$425,000
ClearEdge Lending LLC	Conventional	1	0%	50%	$205,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	1,050 +56 HELOCs	18.1%	88.1%	$443,390
Rocket Mortgage	Conventional, FHA, VA, Jumbo	660	11.4%	84.1%	$332,181
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	266 +32 HELOCs	4.6%	97%	$422,669
Lennar Mortgage, LLC	Conventional, FHA, VA, Jumbo	211	3.6%	93.4%	$549,028
Nationstar Mortgage	Conventional, FHA, VA	85	1.5%	86.4%	$184,058
Newrez LLC	Conventional, FHA, VA, Jumbo	77	1.3%	62.4%	$333,311
Spring Eq, LLC	Conventional, HELOC	69 +36 HELOCs	1.2%	39.7%	$98,333
Freedom Mortgage Corporation	Conventional, FHA, VA	52	0.9%	86.3%	$425,384
Canopy Mortgage, LLC	Conventional, FHA, VA, Jumbo	50	0.9%	100%	$440,200
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	48 +1 HELOCs	0.8%	94.2%	$416,250
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	42 +9 HELOCs	0.7%	98.1%	$382,857	View
Mortgage Research Center	Conventional, VA, Jumbo	38	0.7%	71.4%	$433,947
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	36	0.6%	42.6%	$311,388
Peak Residential Lending Inc	Conventional, FHA, VA	32	0.6%	100%	$435,937
DHI Mortgage Company, LTD.	Conventional, FHA, VA	30	0.5%	88.2%	$401,666
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	28 +3 HELOCs	0.5%	97.1%	$421,785
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	23 +5 HELOCs	0.4%	92%	$408,043
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	22 +14 HELOCs	0.4%	70.6%	$309,545
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	21 +1 HELOCs	0.4%	92.3%	$408,333
Triad Financial Services, Inc.	Conventional	21	0.4%	73.3%	$126,904
Union Home Mortgage Corp.	Conventional, FHA, VA	20	0.3%	100%	$445,000
Amerisave Mortgage Company	Conventional, FHA, HELOC	19 +1 HELOCs	0.3%	22.7%	$127,631
Fairway Independent Mort Corp	Conventional, FHA, VA	18	0.3%	90%	$365,000
Primelending	Conventional, FHA, VA	17	0.3%	89.7%	$333,235
Better Mortgage Corporation	Conventional, FHA, HELOC	14 +3 HELOCs	0.2%	53.8%	$362,142
Discover Bank	Conventional	14	0.2%	20.3%	$97,142
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	14	0.2%	100%	$388,571	View
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	13 +28 HELOCs	0.2%	70%	$392,692
Go Mortgage, LLC	Conventional, FHA, VA	13	0.2%	100%	$408,076
Equity Prime Mortgage LLC	Conventional, FHA, VA	13	0.2%	59.1%	$325,769
Nations Direct Mortgage, LLC	Conventional, FHA, VA	13	0.2%	100%	$374,230
Village Capital & Investment	FHA, VA	13	0.2%	81.5%	$441,923
Kbhs Home Loans, LLC	Conventional, FHA, VA	12	0.2%	100%	$505,000
American Financial Resources LLC	Conventional, FHA, VA	12	0.2%	92.3%	$497,500
Guidance Residential, LLC	Conventional	12	0.2%	100%	$458,333
Tri Pointe Connect, LLC	Conventional, FHA, VA	12	0.2%	100%	$555,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	11	0.2%	100%	$460,454
Premier Mortgage Resources, LLC	Conventional, FHA, VA	10	0.2%	90.9%	$289,000
Sage Home Loans Corporation	Conventional	9	0.2%	73.3%	$426,111
Homeowners Financial Group, LLC	Conventional, FHA, VA	9	0.2%	100%	$236,111
Ameritrust Mortgage Corporation	Conventional, FHA, VA	9	0.2%	100%	$407,222
Planet Home Lending, LLC	Conventional, FHA, VA	9	0.2%	81.8%	$373,888
Self Help Federal Credit Union	Conventional	9	0.2%	100%	$323,888
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	9	0.2%	90%	$198,333	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	9	0.2%	100%	$486,111	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	8 +10 HELOCs	0.1%	53.3%	$118,750	View
Everett Financial, Inc.	Conventional, FHA, HELOC	8 +1 HELOCs	0.1%	100%	$258,750
Envoy Mortgage, Ltd	Conventional, FHA, VA	8	0.1%	100%	$423,750
New Day Financial, LLC.	VA	8	0.1%	38.1%	$407,500
21St Mortgage	Conventional	8	0.1%	21.6%	$92,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	8	0.1%	80%	$353,750	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	7	0.1%	100%	$446,428	View
NOVA Financial & Investment Corporation	Conventional, FHA, VA	7	0.1%	100%	$436,428
Credit Human Federal Credit Un	Conventional	7	0.1%	55.6%	$89,285
PHH Mortgage Corporation	Conventional	6	0.1%	75%	$383,333
Loanunited.Com, LLC	FHA, VA	6	0.1%	75%	$413,333
Click n' Close, Inc.	Conventional, FHA	6	0.1%	85.7%	$360,000
First Colony Mortgage Corporat	Conventional	6	0.1%	100%	$460,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.1%	54.5%	$426,666	View
Vellum Mortgage, Inc.	Conventional, FHA, VA	6	0.1%	100%	$326,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	6	0.1%	61.5%	$408,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	6	0.1%	100%	$465,000	View
Champions Funding, LLC	Conventional	6	0.1%	66.7%	$325,000
Alliant Credit Union	Conventional, Jumbo, HELOC	5 +18 HELOCs	0.1%	100%	$501,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo, HELOC	5 +1 HELOCs	0.1%	71.4%	$483,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	5	0.1%	100%	$495,000	View
Directors Mortgage, Inc	Conventional, VA	5	0.1%	100%	$511,000
Das Acquisition Company, LLC	Conventional, FHA	5	0.1%	100%	$413,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	5	0.1%	100%	$513,000	View
Genway Home Mortgage, Inc.	Conventional, FHA	5	0.1%	45.5%	$259,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	5	0.1%	100%	$349,000
Vanderbilt Mortgage and Finance, Inc	Conventional	5	0.1%	19.4%	$177,000
Pentagon Federal Credit Union	Conventional, HELOC	4 +11 HELOCs	0.1%	80%	$412,500
Valon Mortgage	Conventional, HELOC	4 +9 HELOCs	0.1%	100%	$305,000
Lower, LLC	Conventional, VA	4	0.1%	57.1%	$492,500
Royal United Mortgage LLC	Conventional, VA	3	0.1%	100%	$225,000
Dart Bank	Conventional, FHA	3	0.1%	100%	$405,000
City 1st Mortgage Services, LC	Conventional	3	0.1%	100%	$645,000
Bay Equity LLC	Conventional	3	0.1%	100%	$241,666
Premier Lending Inc.	Conventional, VA	3	0.1%	100%	$435,000
V.I.P. Mortgage, Inc.	Conventional	3	0.1%	100%	$368,333
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	3	0.1%	100%	$805,000	View
Prosperity Home Mortgage, LLC	Conventional, VA	3	0.1%	100%	$428,333
Loan Simple, Inc.	Conventional, FHA	3	0.1%	100%	$341,666
Industrial and Commercial Bank of China (USA) NA	Conventional	3	0.1%	100%	$248,333
Luxury Mortgage Corp.	Conventional	3	0.1%	100%	$305,000
Tomo Mortgage LLC	Conventional	3	0.1%	100%	$435,000
Quorum Federal Credit Union	Conventional, HELOC	2 +8 HELOCs	0%	50%	$130,000
First Technology Federal Credit Union	Conventional, HELOC	2 +6 HELOCs	0%	100%	$55,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$330,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$480,000	View
Genisys Credit Union	Conventional, Jumbo	2	0%	100%	$1,110,000
Jet Direct Funding Corp.	Conventional	2	0%	100%	$430,000
Primary Residential Mortgage, INC.	Conventional	2	0%	100%	$540,000
Success Lending, LLC	Conventional, VA	2	0%	100%	$385,000
All Credit Considered Mortgage, Inc.	Conventional	2	0%	100%	$335,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0%	100%	$290,000
Nqm Funding, LLC	Conventional	2	0%	100%	$385,000
Intercap Lending Inc	Conventional, VA	2	0%	100%	$600,000
Congressional Federal Credit Union	Conventional	2	0%	100%	$60,000
Churchill Mortgage Corporation	Conventional	2	0%	100%	$495,000
Encompass Lending Group, L.P.	Conventional	2	0%	100%	$465,000
Peoples Mortgage Company	Conventional, VA	2	0%	100%	$395,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0%	100%	$765,000	View
Nations Lending Corporation	FHA, VA	2	0%	100%	$370,000
Tjc Mortgage Inc	Conventional, FHA	2	0%	100%	$445,000
RoundPoint Mortgage Servicing LLC	Conventional, FHA	2	0%	100%	$370,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0%	100%	$505,000	View
Leaderone Financial Corp.	Conventional, VA	2	0%	100%	$410,000
Flyhomes Mortgage LLC	Conventional	2	0%	100%	$345,000
Usalliance Federal Credit Union	Conventional, HELOC	1 +11 HELOCs	0%	100%	$195,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$435,000
EMM Loans LLC	Conventional	1	0%	100%	$375,000
Panorama Mortgage Group, LLC	Conventional	1	0%	100%	$15,000
Cazle Mortgage, Inc.	VA	1	0%	100%	$355,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$425,000	View
Nbkc Bank	Conventional	1	0%	50%	$295,000
Allied Mortgage Group, Inc	Conventional	1	0%	100%	$115,000
Delmar Financial Company	Conventional	1	0%	100%	$305,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0%	100%	$465,000	View
Filo Mortgage, LLC	VA	1	0%	100%	$435,000
Deephaven Mortgage LLC	Conventional	1	0%	25%	$85,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$615,000	View
Emporium Tpo LLC	Conventional	1	0%	50%	$375,000
Wallick and Volk, Inc.	FHA	1	0%	100%	$435,000
Homestead Funding Corp.	Conventional	1	0%	100%	$535,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$725,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$195,000
Northwest Federal Credit Union	Conventional	1	0%	100%	$395,000
American Financing Corporation	Conventional	1	0%	33.3%	$55,000
Federated Mortgage Corp	Conventional	1	0%	100%	$435,000
Community First Bank of IND A5.0 ★Texas Ratio: 13.92%	Conventional	1	0%	100%	$505,000	View
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$395,000
Total Mortgage Services, LLC	Conventional	1	0%	100%	$475,000
Cardinal Financial Company, Li	Conventional	1	0%	60%	$385,000
Mortgage Express	Conventional	1	0%	100%	$425,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$465,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$535,000	View
Beeline Loans, Inc.	Conventional	1	0%	100%	$515,000
Credence Funding Corporation	VA	1	0%	100%	$495,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	50%	$605,000	View
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$475,000
Adams Bank & Trust A5.0 ★Texas Ratio: 10.02%	Conventional	1	0%	100%	$455,000	View
SouthStar Bank SSB ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.03%	Conventional	1	0%	100%	$145,000	View
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	VA	1	0%	100%	$655,000	View
Communityamerica Federal Credit Union	Conventional	1	0%	50%	$285,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional	1	0%	100%	$525,000	View
Wintrust Bank, N.A. A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0%	100%	$705,000	View
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0%	100%	$495,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$105,000	View
Saygo Home Loans, LLC	FHA	1	0%	50%	$615,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$275,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	33.3%	$515,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$265,000	View
Compass Mortgage, Inc.	Conventional	1	0%	100%	$665,000
Florida Capital Bank, N.A	FHA	1	0%	50%	$325,000
Reliance First Capital, LLC	Conventional	1	0%	100%	$75,000
Geneva Financial LLC	Conventional	1	0%	100%	$275,000
Top Flite Financial, Inc.	Conventional	1	0%	100%	$225,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0%	100%	$315,000

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.

Sacramento 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 Sacramento, California

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

Types of Mortgage Lenders in Sacramento, CA

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

Mortgage companies and brokers 182 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 70 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 103 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 85 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 36 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 124 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Sacramento, CA

Independent mortgage companies closed 83.4 percent of home loans in Sacramento, California in 2025, banks 9 percent and credit unions 7.6 percent. Summit Funding.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, The Golden 1 Credit Union led with 129 loans.

83.4%

Mortgage companies

Banks

7.6%

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 Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders Chula Vista 203 lenders

Frequently Asked Questions About Mortgage Lenders in Sacramento, CA

Who is the largest mortgage lender in Sacramento, CA?

By home loans closed in 2025, The Golden 1 Credit Union was the largest mortgage lender in Sacramento, California with 129 loans, about 2.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Sacramento, California, Canopy Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 81.5 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 Sacramento, CA mortgage lenders offer FHA, VA and USDA loans?

103 lenders closed FHA loans in Sacramento, California in 2025, led by United Wholesale Mortgage with 242. 85 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 Sacramento, CA lender list?

Yes. 70 banks and 48 credit unions closed home loans in Sacramento, California in 2025, alongside 182 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 Sacramento, CA ranked on this page?

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