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Mortgage Lenders and Brokers in Vacaville, California

Content reviewed by

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

Vacaville, California mortgage lenders include Travis Credit UnionTravis Credit Union1650 E Monte Vista Ave # EE F102, Vacaville, CA 95688 3138A+5.0 ★Texas Ratio: 4.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2011 Harbison Dr, Vacaville, CA 95687A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.367 Merchant St, Vacaville, CA 95688A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA3005 Alamo Drive, Vacaville, CA 95687A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA150 Parker St, Vacaville, CA 95688A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA330 Davis St, Vacaville, CA 95688A+5.0 ★Texas Ratio: 3.54%, Columbia BankColumbia Bank403 Davis St, Vacaville, CA 95688A+5.0 ★Texas Ratio: 2.28%, First Northern Bank of DixonFirst Northern Bank of Dixon555 Mason St, Vacaville, CA 95688A+5.0 ★Texas Ratio: 2.69%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, and The Golden 1 Credit UnionThe Golden 1 Credit Union196 Nut Tree Pkwy Ste L, Vacaville, CA 95687 3237A+5.0 ★Texas Ratio: 5.50%. 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 Vacaville, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vacaville 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 Vacaville, California

Market share is the lender's share of all home loans closed in Vacaville, 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
Travis Credit Union 1650 E Monte Vista Ave # EE F102, Vacaville, CA 95688 3138 A+5.0 ★Texas Ratio: 4.51%	Conventional, FHA, VA, HELOC	102 +20 HELOCs	5.6%	91.9%	$165,784	View
JPMorgan Chase Bank, NA 1 office in Vacaville 2011 Harbison Dr, Vacaville, CA 95687 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	17 +3 HELOCs	0.9%	85%	$342,058	View
US Bank, N.A. 1 office in Vacaville 367 Merchant St, Vacaville, CA 95688 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	11 +7 HELOCs	0.6%	55%	$416,818	View
Wells Fargo Bank NA 2 offices in Vacaville 3005 Alamo Drive, Vacaville, CA 95687 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	8	0.4%	100%	$588,750	View
Bank of America NA 2 offices in Vacaville 150 Parker St, Vacaville, CA 95688 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	6 +17 HELOCs	0.3%	85.7%	$445,000	View
BMO Harris Bank NA 1 office in Vacaville 330 Davis St, Vacaville, CA 95688 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	2 +10 HELOCs	0.1%	40%	$585,000	View
Columbia Bank 1 office in Vacaville 403 Davis St, Vacaville, CA 95688 A+5.0 ★Texas Ratio: 2.28%	FHA	1	0.1%	100%	$605,000	View
First Northern Bank of Dixon 1 office in Vacaville 555 Mason St, Vacaville, CA 95688 A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0.1%	100%	$485,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	9 +5 HELOCs	0.5%	84.6%	$165,000	View
The Golden 1 Credit Union 196 Nut Tree Pkwy Ste L, Vacaville, CA 95687 3237 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	6 +26 HELOCs	0.3%	85.7%	$365,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	5	0.3%	100%	$419,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	4 +1 HELOCs	0.2%	100%	$302,500	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA	4	0.2%	57.1%	$635,000	View
Valley Strong Credit Union 151 Elmira Rd, Vacaville, CA 95687 4700 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	3 +7 HELOCs	0.2%	50%	$75,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	3 +3 HELOCs	0.2%	60%	$165,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	3	0.2%	71.4%	$508,333	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	2 +7 HELOCs	0.1%	100%	$470,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$235,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	2	0.1%	100%	$410,000
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional	2	0.1%	100%	$360,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	37.5%	$160,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	2	0.1%	100%	$130,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$785,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	FHA, HELOC	1 +3 HELOCs	0.1%	100%	$675,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$55,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$365,000	View
CoastHills Credit Union 1580 W Branch St, Arroyo Grande, CA 93420 1819	Conventional	1	0.1%	100%	$145,000	View
Central Coast Lending, Inc. 510 Canal St Ste R, King City, CA 93930 3443	Conventional	1	0.1%	100%	$765,000	View
Los Angeles Federal Credit Union 11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95%	Conventional	1	0.1%	100%	$585,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0.1%	100%	$435,000	View
North Bay Credit Union 1357 Healdsburg Ave, Healdsburg, CA 95448 3246	Conventional	1	0.1%	100%	$95,000	View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	Conventional	1	0.1%	100%	$105,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$145,000	View
Bank of Stockton 229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	100%	$35,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional	1	0.1%	100%	$155,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +4 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +3 HELOCs	0%	0%		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	100%		View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	100%		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +1 HELOCs	0%	n/a		View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +1 HELOCs	0%	n/a		View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	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
loanDepot.com LLC	Conventional, FHA, VA, HELOC	102 +4 HELOCs	5.6%	86.4%	$523,627
Guild Mortgage Company	Conventional, FHA, VA	58	3.2%	97%	$342,241
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	48	2.6%	90.6%	$508,125
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	45	2.5%	88.7%	$462,333
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	38	2.1%	82.6%	$466,842
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	23 +1 HELOCs	1.3%	79.3%	$536,304
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	10	0.6%	94.4%	$469,000	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.5%	52%	$370,555
Paramount Residential Mortgage	Conventional, VA	8	0.4%	100%	$403,750
American Financial Network, Inc.	Conventional, FHA, VA	7	0.4%	77.8%	$426,428
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	7	0.4%	100%	$452,142
JMAC Lending, Inc.	Conventional, FHA, VA	6	0.3%	100%	$588,333
Residential Wholesale Mortgage	Conventional	5	0.3%	100%	$545,000
Provident Funding Associates	Conventional	5	0.3%	100%	$479,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	5	0.3%	50%	$613,000
Goodleap, LLC	Conventional, FHA, HELOC	4 +3 HELOCs	0.2%	100%	$397,500
Resicentral LLC	Conventional	4	0.2%	80%	$505,000
Stg Mortgage Inc	Conventional, FHA	4	0.2%	100%	$567,500
Zillow Home Loans, LLC	Conventional, FHA	4	0.2%	100%	$507,500
Nmsi, Inc.	Conventional, FHA	4	0.2%	100%	$497,500
Nexera Holding LLC	Conventional, Jumbo	4	0.2%	66.7%	$527,500
AmWest Funding Corp	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$368,333
AdvantageFirst Lending Inc	Conventional, VA	3	0.2%	75%	$505,000
Googain, Inc.	Conventional	3	0.2%	100%	$525,000
Mason-McDuffie Mortgage Corporation	Conventional	3	0.2%	100%	$408,333
Cornerstone First Mortgage, LLC	Conventional, VA, Jumbo	2	0.1%	100%	$850,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	100%	$480,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	100%	$505,000
Network Capital Funding Corporation	FHA, VA	2	0.1%	100%	$385,000
Greenbox Loans	Conventional	2	0.1%	100%	$555,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$335,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$495,000
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$360,000
Operating Engineers Federal Credit Union	Conventional	2	0.1%	100%	$105,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$495,000
Fundloans Capital	Conventional, Jumbo	1	0.1%	100%	$985,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$545,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$485,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$635,000
Coast 2 Coast Funding Group, Inc	Conventional	1	0.1%	100%	$545,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$525,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$575,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$585,000
Intelliloan, Inc.	FHA	1	0.1%	100%	$425,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$105,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$675,000
Summit Funding.Inc	FHA	1	0.1%	50%	$695,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$665,000
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	287 +20 HELOCs	15.8%	90.9%	$547,160
Rocket Mortgage	Conventional, FHA, VA, Jumbo	168	9.3%	85.6%	$358,988
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	79 +3 HELOCs	4.4%	100%	$519,810
Kbhs Home Loans, LLC	Conventional, FHA, VA, Jumbo	77	4.2%	97.5%	$603,571
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	61 +21 HELOCs	3.4%	98.4%	$518,278
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA, Jumbo	52	2.9%	82.5%	$595,576
Newrez LLC	Conventional, FHA, VA, Jumbo	50	2.8%	74.6%	$424,200
Mortgage Research Center	Conventional, VA, Jumbo	32	1.8%	76.7%	$602,500
Pulte Mortgage LLC	Conventional, VA, Jumbo	28	1.5%	75.7%	$784,642
Nationstar Mortgage	Conventional, FHA, VA	27	1.5%	84.4%	$186,111
Freedom Mortgage Corporation	Conventional, FHA, VA	24	1.3%	92.9%	$523,750
Spring Eq, LLC	Conventional, HELOC	20 +8 HELOCs	1.1%	46.2%	$102,000
Lennar Mortgage, LLC	Conventional, Jumbo	20	1.1%	83.3%	$692,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	19 +9 HELOCs	1%	67.9%	$332,368
Triad Financial Services, Inc.	Conventional	13	0.7%	47.9%	$152,692
Better Mortgage Corporation	Conventional, FHA, VA, HELOC	11 +3 HELOCs	0.6%	64.7%	$501,363
Homeowners Financial Group, LLC	Conventional, VA, Jumbo	11	0.6%	100%	$609,545
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	10 +1 HELOCs	0.6%	83.3%	$528,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.6%	39.1%	$331,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA, HELOC	9 +3 HELOCs	0.5%	80%	$509,444	View
Equity Prime Mortgage LLC	FHA, VA	9	0.5%	90%	$500,555
Fairway Independent Mort Corp	Conventional, VA	9	0.5%	100%	$683,888
Everett Financial, Inc.	Conventional, FHA	6	0.3%	100%	$356,666
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	6	0.3%	100%	$588,333
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	5	0.3%	83.3%	$533,000
Primary Residential Mortgage, INC.	Conventional, FHA	5	0.3%	100%	$301,000
Amerisave Mortgage Company	Conventional, FHA	5	0.3%	45.5%	$115,000
21St Mortgage	Conventional	5	0.3%	20%	$179,000
Union Home Mortgage Corp.	Conventional	4	0.2%	100%	$557,500
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$995,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.2%	100%	$405,000	View
Envoy Mortgage, Ltd	Conventional, FHA	3	0.2%	100%	$591,666
Directors Mortgage, Inc	Conventional, FHA	3	0.2%	100%	$421,666
Discover Bank	Conventional	3	0.2%	15.8%	$88,333
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.2%	45.5%	$161,666
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	3	0.2%	100%	$638,333	View
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +5 HELOCs	0.1%	50%	$450,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$100,000	View
Premier Mortgage Resources, LLC	Conventional, Jumbo	2	0.1%	100%	$855,000
Go Mortgage, LLC	Conventional, VA	2	0.1%	100%	$505,000
Nbkc Bank	Conventional, VA	2	0.1%	100%	$535,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	2	0.1%	100%	$515,000	View
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$650,000
Princeton Mortgage Corporation	Conventional	2	0.1%	100%	$445,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$390,000
Ameritrust Mortgage Corporation	Conventional	2	0.1%	100%	$280,000
Cardinal Financial Company, Li	Conventional	2	0.1%	100%	$610,000
Planet Home Lending, LLC	Conventional, VA	2	0.1%	66.7%	$425,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$435,000	View
Mutual of Omaha Mortgage	Conventional, VA	2	0.1%	50%	$330,000
Ussfcu	Conventional	2	0.1%	100%	$105,000
Lower, LLC	Conventional, VA	2	0.1%	100%	$380,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	100%	$480,000	View
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	2	0.1%	100%	$205,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.1%	100%	$475,000
Pentagon Federal Credit Union	VA, HELOC	1 +2 HELOCs	0.1%	50%	$595,000
Originpoint, LLC	Conventional	1	0.1%	100%	$555,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$705,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$175,000
Primelending	Conventional	1	0.1%	50%	$665,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$385,000	View
Gold Star Mortgage Financial Group, Corporation	VA, Jumbo	1	0.1%	100%	$1,035,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	33.3%	$645,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$495,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$355,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$705,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$545,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$775,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$505,000
Obsidian Financial Services	Conventional	1	0.1%	100%	$455,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$485,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$235,000
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$545,000
Northwest Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$515,000
American Financing Corporation	Conventional	1	0.1%	33.3%	$505,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	1	0.1%	100%	$785,000	View
Geneva Financial LLC	FHA	1	0.1%	100%	$345,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$275,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	33.3%	$725,000	View
Gardner Financial Services	VA	1	0.1%	100%	$755,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$715,000
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0.1%	100%	$1,075,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$355,000	View
Rogue Credit Union	Conventional	1	0.1%	100%	$85,000
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0.1%	100%	$575,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$535,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$115,000
Nations Direct Mortgage, LLC	VA	1	0.1%	50%	$725,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$275,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$705,000	View
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$175,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$335,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$475,000
Village Capital & Investment	VA, Jumbo	1	0.1%	62.5%	$845,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +15 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +11 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +2 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nasa Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	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.

Vacaville 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 Vacaville, California

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

Types of Mortgage Lenders in Vacaville, CA

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

Mortgage companies and brokers 126 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 38 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 43 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 54 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 55 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 27 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 85 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Vacaville, CA

Independent mortgage companies closed 86 percent of home loans in Vacaville, California in 2025, banks 4.7 percent and credit unions 9.4 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Travis Credit Union the largest credit union. Among lenders headquartered in California, Travis Credit Union led with 102 loans.

86%

Mortgage companies

4.7%

Banks

9.4%

Credit unions

15%

FHA loans

18%

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 Vacaville, CA

Who is the largest mortgage lender in Vacaville, CA?

By home loans closed in 2025, Travis Credit Union was the largest mortgage lender in Vacaville, California with 102 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Vacaville, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 82.5 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 Vacaville, CA mortgage lenders offer FHA, VA and USDA loans?

54 lenders closed FHA loans in Vacaville, California in 2025, led by United Wholesale Mortgage with 55. 55 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 Vacaville, CA lender list?

Yes. 38 banks and 43 credit unions closed home loans in Vacaville, California in 2025, alongside 126 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 Vacaville, CA ranked on this page?

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