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Mortgage Lenders and Brokers in Vallejo, California

Content reviewed by

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

Vallejo, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA901 Tennessee St, Vallejo, CA 94590A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA774 Admiral Callaghan Ln, Vallejo, CA 94591A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.1200 Tennessee St, Vallejo, CA 94590A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA4300 Sonoma Blvd, Vallejo, CA 94589A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA3445 Sonoma Blvd, Vallejo, CA 94590A+5.0 ★Texas Ratio: 4.14%, First BankFirst Bank116 Springstowne Ctr, Vallejo, CA 94591A+5.0 ★Texas Ratio: 4.74%, Travis Credit UnionTravis Credit Union1796 Tuolumne St, Vallejo, CA 94589A+5.0 ★Texas Ratio: 4.51%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%. 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 Vallejo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vallejo 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 Vallejo, California

Market share is the lender's share of all home loans closed in Vallejo, 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
JPMorgan Chase Bank, NA 2 offices in Vallejo 901 Tennessee St, Vallejo, CA 94590 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	20 +5 HELOCs	1.5%	80%	$377,500	View
Wells Fargo Bank NA 1 office in Vallejo 774 Admiral Callaghan Ln, Vallejo, CA 94591 A+5.0 ★Texas Ratio: 5.36%	Conventional	12	0.9%	66.7%	$262,500	View
US Bank, N.A. 1 office in Vallejo 1200 Tennessee St, Vallejo, CA 94590 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	9 +8 HELOCs	0.7%	52.9%	$362,777	View
BMO Harris Bank NA 1 office in Vallejo 4300 Sonoma Blvd, Vallejo, CA 94589 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, HELOC	5 +7 HELOCs	0.4%	83.3%	$377,000	View
Bank of America NA 2 offices in Vallejo 3445 Sonoma Blvd, Vallejo, CA 94590 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +44 HELOCs	0.3%	57.1%	$392,500	View
First Bank 1 office in Vallejo 116 Springstowne Ctr, Vallejo, CA 94591 A+5.0 ★Texas Ratio: 4.74%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$505,000	View
Travis Credit Union 1796 Tuolumne St, Vallejo, CA 94589 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	28 +7 HELOCs	2%	90.3%	$135,357	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	15 +8 HELOCs	1.1%	68.2%	$251,666	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	13	0.9%	86.7%	$385,769	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	11 +9 HELOCs	0.8%	85.7%	$107,727	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	10 +1 HELOCs	0.7%	91.7%	$118,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.6%	88.9%	$140,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	6	0.4%	100%	$295,000	View
The Golden 1 Credit Union 766 Admiral Callaghan Ln, Vallejo, CA 94591 3650 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	5 +11 HELOCs	0.4%	62.5%	$397,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	5 +2 HELOCs	0.4%	100%	$459,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	5	0.4%	83.3%	$245,000
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	3 +3 HELOCs	0.2%	75%	$171,666	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	3 +1 HELOCs	0.2%	37.5%	$375,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	3	0.2%	100%	$185,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	3	0.2%	60%	$235,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional	2	0.1%	100%	$720,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$35,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$355,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$385,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$475,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$375,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$295,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$175,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional	1	0.1%	100%	$435,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$385,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$35,000	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
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0.1%	100%	$85,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$305,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$325,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +1 HELOCs	0%	n/a		View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	35 +2 HELOCs	2.5%	78.7%	$278,142
Paramount Residential Mortgage	Conventional, FHA, VA	35	2.5%	100%	$351,285
New American Funding, LLC.	Conventional, FHA, VA, HELOC	30 +3 HELOCs	2.2%	83.3%	$389,666
Guild Mortgage Company	Conventional, FHA, VA	30	2.2%	94.3%	$387,333
Pennymac Loan Services LLC	Conventional, FHA, VA	23	1.7%	73.5%	$394,565
Kind Lending, LLC	Conventional, FHA, VA	21	1.5%	80.8%	$348,333
American Pacific Mortgage Corporation	Conventional, FHA	18	1.3%	78.3%	$375,555
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	14	1%	90.5%	$476,428	View
Nexera Holding LLC	Conventional	11	0.8%	100%	$232,272
Mason-McDuffie Mortgage Corporation	Conventional, FHA	10	0.7%	83.3%	$447,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	9	0.7%	69.2%	$447,222
AmWest Funding Corp	Conventional, HELOC	7 +2 HELOCs	0.5%	100%	$385,000
Resicentral LLC	Conventional, FHA	5	0.4%	100%	$511,000
Carrington Mortgage Services LLC	Conventional, FHA	5	0.4%	31.2%	$343,000
Alameda Mortgage Corporation	Conventional, FHA, VA	4	0.3%	100%	$600,000
MortgageOne, Inc	Conventional, FHA, VA	4	0.3%	100%	$460,000
Golden Empire Mortgage, Inc.	Conventional, FHA	4	0.3%	100%	$337,500
American Financial Network, Inc.	Conventional, FHA, VA	4	0.3%	66.7%	$457,500
Stg Mortgage Inc	Conventional, FHA, VA	4	0.3%	100%	$362,500
Land Home Financial Services,	Conventional, FHA	4	0.3%	85.7%	$445,000
Provident Funding Associates	Conventional	4	0.3%	66.7%	$402,500
Franklin Loan Corporation	Conventional, FHA	4	0.3%	100%	$330,000
Zillow Home Loans, LLC	Conventional	4	0.3%	100%	$485,000
Flexpoint, Inc.	Conventional, FHA	3	0.2%	100%	$605,000
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.2%	50%	$468,333
Goodleap, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$235,000
Infinity Equity Group, Inc.	Conventional, FHA	2	0.1%	100%	$405,000
Home Mortgage Alliance Corp (Hmac)	FHA	2	0.1%	100%	$610,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.1%	33.3%	$530,000
Network Capital Funding Corporation	Conventional	2	0.1%	66.7%	$415,000
Cake Mortgage Corp.	Conventional	2	0.1%	100%	$530,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$515,000
Watermark Capital, Inc.	FHA	1	0.1%	100%	$385,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$415,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$545,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$495,000
Catalyst Mortgage	Conventional	1	0.1%	100%	$185,000
Instamortgage, Inc	Conventional	1	0.1%	100%	$445,000
Lending 3, Inc	FHA	1	0.1%	100%	$605,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$515,000
Ahl Funding	Conventional	1	0.1%	100%	$515,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$405,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$465,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$155,000	View
Intelliloan, Inc.	FHA	1	0.1%	100%	$595,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	25%	$465,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$385,000
Mission Loans, LLC	FHA	1	0.1%	100%	$505,000
Iserve Residential Lending	FHA	1	0.1%	100%	$575,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$435,000
Nmsi, Inc.	FHA	1	0.1%	100%	$405,000
Coastal Funding SLC, Inc.	Conventional	1	0.1%	100%	$485,000
Operating Engineers Federal Credit Union	Conventional	1	0.1%	50%	$365,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$425,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	205 +13 HELOCs	14.9%	83.5%	$475,878
Rocket Mortgage	Conventional, FHA, VA, Jumbo	179	13%	81.9%	$295,558
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	59 +2 HELOCs	4.3%	98.3%	$491,271
Everett Financial, Inc.	Conventional, FHA, VA	52	3.8%	98.1%	$314,615
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA	23	1.7%	100%	$400,217	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	21 +4 HELOCs	1.5%	95.7%	$416,428
Nationstar Mortgage	Conventional	21	1.5%	67.6%	$161,666
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	17	1.2%	100%	$455,588
Newrez LLC	Conventional, FHA, VA	16	1.2%	42.1%	$289,375
The Loan Store, Inc	Conventional, FHA, HELOC	14 +9 HELOCs	1%	94.7%	$434,285
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	14 +8 HELOCs	1%	63.6%	$463,571
Primary Residential Mortgage, INC.	Conventional, FHA, VA	13	0.9%	100%	$338,846
Spring Eq, LLC	Conventional, HELOC	11 +11 HELOCs	0.8%	27.3%	$99,545
Freedom Mortgage Corporation	Conventional, FHA, VA	11	0.8%	66.7%	$466,818
Mortgage Research Center	Conventional, VA	11	0.8%	55%	$491,363
Equity Prime Mortgage LLC	Conventional, FHA, VA	9	0.7%	100%	$335,000
Ameritrust Mortgage Corporation	Conventional, FHA	8	0.6%	88.9%	$292,500
Vellum Mortgage, Inc.	Conventional, FHA, VA	8	0.6%	88.9%	$445,000
Envoy Mortgage, Ltd	Conventional, FHA	7	0.5%	100%	$513,571
Amerisave Mortgage Company	Conventional, VA	7	0.5%	36%	$177,857
Homeowners Financial Group, LLC	Conventional, FHA	6	0.4%	100%	$471,666
Fairway Independent Mort Corp	Conventional, FHA	6	0.4%	100%	$288,333
Village Capital & Investment	FHA, VA	6	0.4%	76.9%	$526,666
Geneva Financial LLC	Conventional, FHA	5	0.4%	100%	$407,000
Better Mortgage Corporation	Conventional, VA	5	0.4%	50%	$471,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.4%	80%	$517,000
21St Mortgage	Conventional	5	0.4%	41.7%	$141,000
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.3%	31.8%	$335,000
Allied Mortgage Group, Inc	Conventional, FHA	4	0.3%	100%	$382,500
Self Help Federal Credit Union	Conventional	4	0.3%	100%	$425,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	4	0.3%	80%	$415,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	4	0.3%	100%	$302,500
Champions Funding, LLC	Conventional	4	0.3%	57.1%	$265,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	4	0.3%	100%	$475,000	View
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	3 +9 HELOCs	0.2%	60%	$525,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.2%	100%	$388,333	View
Panorama Mortgage Group, LLC	Conventional, FHA	3	0.2%	100%	$301,666
Premier Mortgage Resources, LLC	Conventional	3	0.2%	100%	$291,666
Guaranteed Rate Affinity, LLC	Conventional	3	0.2%	100%	$411,666
Triad Financial Services, Inc.	Conventional	3	0.2%	66.7%	$111,666
PHH Mortgage Corporation	Conventional, FHA	3	0.2%	60%	$425,000
Click n' Close, Inc.	Conventional, FHA	3	0.2%	100%	$345,000
Union Home Mortgage Corp.	Conventional, FHA	3	0.2%	75%	$468,333
Planet Home Lending, LLC	Conventional, FHA, VA	3	0.2%	100%	$475,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA	3	0.2%	100%	$608,333	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.2%	50%	$528,333	View
Proper Rate, LLC	Conventional, FHA	2	0.1%	100%	$230,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	66.7%	$580,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$590,000
Movement Mortgage, LLC	Conventional	2	0.1%	100%	$650,000
Loanunited.Com, LLC	Conventional, FHA	2	0.1%	66.7%	$395,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$205,000	View
City Lending Inc.	Conventional, FHA	2	0.1%	100%	$285,000
Das Acquisition Company, LLC	Conventional	2	0.1%	100%	$300,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0.1%	100%	$340,000	View
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	FHA	2	0.1%	100%	$480,000	View
Uif Corporation	Conventional	2	0.1%	100%	$300,000
Nations Direct Mortgage, LLC	FHA, VA	2	0.1%	100%	$430,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0.1%	66.7%	$190,000	View
Leaderone Financial Corp.	Conventional	2	0.1%	100%	$345,000
Pentagon Federal Credit Union	VA, HELOC	1 +3 HELOCs	0.1%	100%	$405,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$45,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$445,000
Originpoint, LLC	Conventional	1	0.1%	100%	$395,000
Primelending	Conventional	1	0.1%	100%	$245,000
RANLife, Inc.	FHA	1	0.1%	100%	$325,000
Success Lending, LLC	FHA	1	0.1%	100%	$505,000
Go Mortgage, LLC	Conventional	1	0.1%	100%	$445,000
Loansteady LLC	Conventional	1	0.1%	100%	$425,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$425,000	View
Emporium Tpo LLC	Conventional	1	0.1%	100%	$575,000
Discover Bank	Conventional	1	0.1%	5.3%	$125,000
Credit Human Federal Credit Un	Conventional	1	0.1%	33.3%	$125,000
Bay Equity LLC	Conventional	1	0.1%	100%	$425,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$385,000
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$625,000
Nfm, Inc	FHA	1	0.1%	100%	$635,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$475,000	View
Tjc Mortgage Inc	FHA	1	0.1%	100%	$435,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$535,000	View
Lower, LLC	Conventional	1	0.1%	50%	$325,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$355,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$515,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$645,000	View
Ukrainian Federal Credit Union A5.0 ★Texas Ratio: 10.53%	Conventional	1	0.1%	100%	$305,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$435,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +24 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +8 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	0%
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	0%
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte 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

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.

Vallejo 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 Vallejo, California

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

Types of Mortgage Lenders in Vallejo, CA

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

Mortgage companies and brokers 123 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 34 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 79 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 87 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Vallejo, CA

Independent mortgage companies closed 84.4 percent of home loans in Vallejo, California in 2025, banks 7.3 percent and credit unions 8.3 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, Bank of America NA led with 4 loans.

84.4%

Mortgage companies

7.3%

Banks

8.3%

Credit unions

24%

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 Vallejo, CA

Who is the largest mortgage lender in Vallejo, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Vallejo, California with 20 loans, about 1.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Vallejo, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.3 percent, against a 78.7 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 Vallejo, CA mortgage lenders offer FHA, VA and USDA loans?

79 lenders closed FHA loans in Vallejo, California in 2025, led by United Wholesale Mortgage with 65. 33 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 Vallejo, CA lender list?

Yes. 34 banks and 35 credit unions closed home loans in Vallejo, California in 2025, alongside 123 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 Vallejo, CA ranked on this page?

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