☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Tracy

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Tracy, California

Content reviewed by

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

Tracy, California mortgage lenders include US Bank, N.A.US Bank, N.A.2175 W Grant Line Rd, Tracy, CA 95377A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA691 W 11th St, Tracy, CA 95376A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1900 W 11th St, Tracy, CA 95376A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA111 W 10th St, Tracy, CA 95376A+5.0 ★Texas Ratio: 4.14%, Bank of StocktonBank of Stockton1175 N Tracy Blvd, Tracy, CA 95376A+5.0 ★Texas Ratio: 0.21%, PNC Bank N.A.PNC Bank N.A.1070 N Tracy Blvd, Tracy, CA 95376A+5.0 ★Texas Ratio: 4.24%, BMO Harris Bank NABMO Harris Bank NA810 W Schulte Rd, Tracy, CA 95376A+5.0 ★Texas Ratio: 3.54%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, The Golden 1 Credit UnionThe Golden 1 Credit Union3202 W Grant Line Rd, Tracy, CA 95304 8427A+5.0 ★Texas Ratio: 5.50%, and Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311. 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 Tracy, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Tracy 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 Tracy, California

Market share is the lender's share of all home loans closed in Tracy, 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. 2 offices in Tracy 2175 W Grant Line Rd, Tracy, CA 95377 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	25 +8 HELOCs	1.7%	71.1%	$547,000	View
JPMorgan Chase Bank, NA 2 offices in Tracy 691 W 11th St, Tracy, CA 95376 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	21 +2 HELOCs	1.4%	87.5%	$635,476	View
Wells Fargo Bank NA 2 offices in Tracy 1900 W 11th St, Tracy, CA 95376 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	16	1.1%	84.2%	$411,250	View
Bank of America NA 2 offices in Tracy 111 W 10th St, Tracy, CA 95376 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	10 +24 HELOCs	0.7%	76.9%	$595,000	View
Bank of Stockton 1 office in Tracy 1175 N Tracy Blvd, Tracy, CA 95376 A+5.0 ★Texas Ratio: 0.21%	Conventional	3	0.2%	60%	$105,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Tracy 1070 N Tracy Blvd, Tracy, CA 95376 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$555,000	View
BMO Harris Bank NA 1 office in Tracy 810 W Schulte Rd, Tracy, CA 95376 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +14 HELOCs	0%	0%		View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	16	1.1%	89.5%	$586,250	View
The Golden 1 Credit Union 3202 W Grant Line Rd, Tracy, CA 95304 8427 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	14 +20 HELOCs	1%	87.5%	$779,285	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA, VA	10	0.7%	100%	$571,000
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	9 +8 HELOCs	0.6%	100%	$562,777	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.6%	71.4%	$682,777	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	8	0.6%	100%	$637,500	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	7 +1 HELOCs	0.5%	80%	$747,857	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.3%	71.4%	$99,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	5	0.3%	55.6%	$799,000	View
Uncle Credit Union 1829 W 11th St, TRACY, CA 95376 A+5.0 ★Texas Ratio: 5.51%	Conventional, Jumbo, HELOC	4 +31 HELOCs	0.3%	100%	$800,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	4 +9 HELOCs	0.3%	66.7%	$155,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	4 +6 HELOCs	0.3%	100%	$70,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$687,500	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo	4	0.3%	100%	$680,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	3 +10 HELOCs	0.2%	100%	$288,333	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$108,333	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$535,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$355,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.1%	100%	$390,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	2	0.1%	100%	$760,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	2	0.1%	66.7%	$860,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$115,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0.1%	100%	$685,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional, Jumbo	1	0.1%	100%	$815,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$305,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0.1%	50%	$665,000	View
Farmers & Merchants Bank of Ce 785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87%	Conventional	1	0.1%	50%	$755,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$725,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional	1	0.1%	50%	$385,000	View
Ilwu Federal Credit Union 3447 Atlantic Ave, Long Beach, CA 90807 A5.0 ★Texas Ratio: 6.01%	Conventional	1	0.1%	100%	$65,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$745,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0.1%	50%	$475,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +2 HELOCs	0%	n/a		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	0%		View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	HELOC	0 +1 HELOCs	0%	n/a
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	38	2.6%	85.1%	$487,368
loanDepot.com LLC	Conventional, FHA, VA, HELOC	21 +2 HELOCs	1.4%	72.4%	$302,142
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	18 +1 HELOCs	1.2%	72%	$558,888
New American Funding, LLC.	Conventional, FHA, VA, HELOC	18 +1 HELOCs	1.2%	94.7%	$463,888
Provident Funding Associates	Conventional	16	1.1%	88.9%	$582,500
Paramount Residential Mortgage	Conventional, FHA	16	1.1%	100%	$410,625
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	13	0.9%	100%	$408,076
Googain, Inc.	Conventional	12	0.8%	100%	$475,833
American Pacific Mortgage Corporation	Conventional, FHA	12	0.8%	92.3%	$473,333
AmWest Funding Corp	Conventional	11	0.8%	100%	$497,727
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	9	0.6%	81.8%	$596,111	View
Resicentral LLC	Conventional	7	0.5%	100%	$517,857
Mason-McDuffie Mortgage Corporation	Conventional, VA, HELOC	6 +1 HELOCs	0.4%	100%	$536,666
Flexpoint, Inc.	Conventional, FHA	6	0.4%	100%	$496,666
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	6	0.4%	100%	$486,666
Nexera Holding LLC	Conventional, Jumbo	6	0.4%	85.7%	$545,000
Golden Empire Mortgage, Inc.	Conventional, FHA	5	0.3%	100%	$383,000
General Mortgage Capital Corporation	Conventional	5	0.3%	100%	$543,000
Alameda Mortgage Corporation	Conventional	4	0.3%	100%	$357,500
HomeXpress Mortgage Corp.	Conventional, FHA, Jumbo	4	0.3%	100%	$697,500
New Wave Lending Group Inc	Conventional	4	0.3%	100%	$432,500
JMAC Lending, Inc.	Conventional	4	0.3%	100%	$555,000
Residential Wholesale Mortgage	Conventional	3	0.2%	100%	$451,666
American Financial Network, Inc.	Conventional, FHA	3	0.2%	100%	$675,000
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$345,000
Fundloans Capital	Conventional	2	0.1%	100%	$625,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.1%	100%	$435,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.1%	100%	$110,000
Bay-Valley Mortgage Group	Conventional	2	0.1%	100%	$585,000
Coast 2 Coast Funding Group, Inc	Conventional	2	0.1%	100%	$390,000
Land Home Financial Services,	FHA	2	0.1%	100%	$565,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA	2	0.1%	100%	$345,000	View
Intelliloan, Inc.	Conventional	2	0.1%	100%	$580,000
Franklin Loan Corporation	Conventional	2	0.1%	66.7%	$325,000
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	66.7%	$615,000
Southland Credit Uniom	Conventional	2	0.1%	100%	$625,000
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$430,000
Nmsi, Inc.	Conventional	2	0.1%	100%	$525,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$745,000
5Th Sreet Capital Inc.	Conventional	1	0.1%	100%	$555,000
AdvantageFirst Lending Inc	FHA	1	0.1%	50%	$615,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$805,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$425,000
Greenbox Loans	Conventional	1	0.1%	100%	$375,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$665,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$425,000
Generations Home Loans, LLC	FHA	1	0.1%	100%	$505,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$285,000
Summit Funding.Inc	Conventional	1	0.1%	100%	$555,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$455,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$255,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
Figure Lending LLC	HELOC	0 +17 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	0%
Lennar Mortgage, LLC	Conventional, FHA, VA, Jumbo	249	17.2%	94%	$654,036
Rocket Mortgage	Conventional, FHA, VA, Jumbo	177	12.2%	82.6%	$371,610
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	151 +18 HELOCs	10.4%	84.9%	$574,933
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	37 +2 HELOCs	2.5%	97.4%	$547,432
The Loan Store, Inc	Conventional, HELOC	29 +3 HELOCs	2%	93.8%	$462,586
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	19 +3 HELOCs	1.3%	95.2%	$465,526
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	13 +1 HELOCs	0.9%	92.9%	$478,076	View
Toll Brothers Mortgage Company	Conventional	13	0.9%	90.5%	$414,230
Newrez LLC	Conventional, FHA, VA	12	0.8%	54.5%	$554,166
Nationstar Mortgage	Conventional	12	0.8%	72.2%	$196,666
Spring Eq, LLC	Conventional, HELOC	11 +7 HELOCs	0.8%	33.3%	$133,181
Freedom Mortgage Corporation	Conventional, FHA, VA	11	0.8%	77.8%	$599,545
Guidance Residential, LLC	Conventional	10	0.7%	100%	$533,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	8 +7 HELOCs	0.6%	88.9%	$320,000
Amerisave Mortgage Company	Conventional	8	0.6%	38.1%	$187,500
Everett Financial, Inc.	Conventional, FHA, HELOC	7 +1 HELOCs	0.5%	87.5%	$316,428
Primelending	Conventional	7	0.5%	100%	$556,428
Lakeview Loan Servicing, LLC	Conventional, FHA	7	0.5%	32.3%	$235,000
Ameritrust Mortgage Corporation	Conventional, FHA	7	0.5%	100%	$537,857
Union Home Mortgage Corp.	Conventional, FHA	6	0.4%	100%	$545,000
Mortgage Research Center	Conventional, VA	6	0.4%	58.3%	$638,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	6	0.4%	75%	$493,333	View
Originpoint, LLC	Conventional	5	0.3%	100%	$439,000
Premier Mortgage Resources, LLC	Conventional, FHA	5	0.3%	100%	$351,000
Sage Home Loans Corporation	Conventional	5	0.3%	100%	$685,000
Triad Financial Services, Inc.	Conventional	5	0.3%	90.9%	$167,000
Better Mortgage Corporation	Conventional, HELOC	4 +1 HELOCs	0.3%	80%	$437,500
Envoy Mortgage, Ltd	Conventional, FHA, VA	4	0.3%	100%	$577,500
Equity Prime Mortgage LLC	FHA, VA	4	0.3%	66.7%	$442,500
Discover Bank	Conventional	4	0.3%	25%	$80,000
Homeowners Financial Group, LLC	Conventional, FHA	4	0.3%	100%	$337,500
Planet Home Lending, LLC	FHA	4	0.3%	100%	$600,000
Alliant Credit Union	Conventional, Jumbo, HELOC	3 +8 HELOCs	0.2%	100%	$661,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.2%	75%	$565,000	View
Movement Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$328,333
Deephaven Mortgage LLC	Conventional, Jumbo	3	0.2%	50%	$458,333
Oaktree Funding Corp	Conventional	3	0.2%	100%	$215,000
Pike Creek Mortgage Services, Inc.	Conventional	3	0.2%	100%	$605,000
Prosperity Home Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$391,666
Fairway Independent Mort Corp	Conventional, FHA	3	0.2%	100%	$531,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.2%	100%	$181,666	View
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	2 +12 HELOCs	0.1%	66.7%	$540,000
Pentagon Federal Credit Union	Conventional, HELOC	2 +4 HELOCs	0.1%	66.7%	$685,000
First Technology Federal Credit Union	Conventional, HELOC	2 +3 HELOCs	0.1%	66.7%	$310,000
Digital Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$85,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.1%	100%	$800,000
Primary Residential Mortgage, INC.	Conventional	2	0.1%	100%	$350,000
NOVA Financial & Investment Corporation	FHA	2	0.1%	100%	$555,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$685,000
Loanunited.Com, LLC	Conventional	2	0.1%	100%	$660,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.1%	100%	$670,000	View
Nqm Funding, LLC	Conventional	2	0.1%	66.7%	$555,000
City 1st Mortgage Services, LC	Conventional, FHA	2	0.1%	100%	$600,000
Cardinal Financial Company, Li	Conventional	2	0.1%	100%	$170,000
Teachers Federal Credit Union	Conventional	2	0.1%	100%	$735,000
Saygo Home Loans, LLC	Conventional	2	0.1%	100%	$460,000
Nations Direct Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$350,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$575,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$520,000	View
21St Mortgage	Conventional	2	0.1%	33.3%	$180,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$325,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$375,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.1%	100%	$395,000	View
Village Capital & Investment	VA	2	0.1%	100%	$660,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	20%	$105,000	View
Fourleaf Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000
Citizens Equity First Credit U	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$455,000
Arc Home LLC	Conventional	1	0.1%	33.3%	$395,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,075,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$735,000	View
American Financial Resources LLC	Conventional	1	0.1%	50%	$275,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$295,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$225,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$605,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$695,000	View
Credit Human Federal Credit Un	Conventional	1	0.1%	50%	$155,000
American Financing Corporation	FHA	1	0.1%	100%	$295,000
myCUmortgage	Conventional	1	0.1%	100%	$205,000
Bay Equity LLC	Conventional	1	0.1%	100%	$645,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$795,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$525,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$585,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$315,000	View
Premier Lending Inc.	Conventional	1	0.1%	100%	$535,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$595,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	50%	$635,000	View
Self Help Federal Credit Union	Conventional	1	0.1%	100%	$365,000
Uif Corporation	Conventional	1	0.1%	50%	$605,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	33.3%	$575,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	50%	$285,000
Lower, LLC	Conventional	1	0.1%	100%	$335,000
Mld Mortgage, Inc.Dba the Money Store	FHA	1	0.1%	100%	$625,000
United Nations Federal CU	Conventional	1	0.1%	100%	$675,000
Champions Funding, LLC	Conventional	1	0.1%	33.3%	$535,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$625,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +20 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +3 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Tracy 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 Tracy, California

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

Types of Mortgage Lenders in Tracy, CA

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

Mortgage companies and brokers 127 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 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 49 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 21 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 30 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 95 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Tracy, CA

Independent mortgage companies closed 83.8 percent of home loans in Tracy, California in 2025, banks 9.6 percent and credit unions 6.6 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 10 loans.

83.8%

Mortgage companies

9.6%

Banks

6.6%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Tracy, CA

Who is the largest mortgage lender in Tracy, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Tracy, California with 25 loans, about 1.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Tracy, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 94 percent, against a 83 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 Tracy, CA mortgage lenders offer FHA, VA and USDA loans?

49 lenders closed FHA loans in Tracy, California in 2025, led by United Wholesale Mortgage with 26. 21 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 Tracy, CA lender list?

Yes. 36 banks and 48 credit unions closed home loans in Tracy, California in 2025, alongside 127 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 Tracy, CA ranked on this page?

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