Mortgage Lenders and Brokers in West Sacramento, California
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
West Sacramento, California mortgage lenders include US Bank, N.A.US Bank, N.A.1401 Merkley Ave, West Sacramento, CA 95691A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1380 W Capitol Ave, West Sacramento, CA 95691A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1601 W Capitol Ave, West Sacramento, CA 95691A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA2130 Town Center Plz, West Sacramento, CA 95691A+5.0 ★Texas Ratio: 4.14%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, The Golden 1 Credit UnionThe Golden 1 Credit Union772 Ikea Ct, West Sacramento, CA 95605A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union2105 Town Center Plz Ste F100, West Sacramento, CA 95691A+5.0 ★Texas Ratio: 3.24%, Yolo Federal Credit UnionYolo Federal Credit Union501 G St, Davis, CA 95616A+5.0 ★Texas Ratio: 4.24%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, and Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%. 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 West Sacramento, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West 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 West Sacramento, California
Market share is the lender's share of all home loans closed in West 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 |
|---|---|---|---|---|---|---|
|
1 office in West Sacramento 1401 Merkley Ave, West Sacramento, CA 95691 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 9 +4 HELOCs |
1.3% | 56.2% | $745,000 | View |
|
1 office in West Sacramento 1380 W Capitol Ave, West Sacramento, CA 95691 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 7 | 1% | 87.5% | $447,857 | View |
|
1 office in West Sacramento 1601 W Capitol Ave, West Sacramento, CA 95691 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 0.9% | 100% | $413,333 | View |
|
2 offices in West Sacramento 2130 Town Center Plz, West Sacramento, CA 95691 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +6 HELOCs |
0.6% | 100% | $462,500 | View |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 7 +7 HELOCs |
1% | 87.5% | $303,571 | View |
|
772 Ikea Ct, West Sacramento, CA 95605 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 6 +59 HELOCs |
0.9% | 54.5% | $296,666 | View |
|
2105 Town Center Plz Ste F100, West Sacramento, CA 95691 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 6 +11 HELOCs |
0.9% | 100% | $96,666 | View |
|
501 G St, Davis, CA 95616 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 6 | 0.9% | 60% | $96,666 | View |
|
8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 6 | 0.9% | 100% | $160,000 | View |
|
5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 4 | 0.6% | 100% | $255,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.4% | 100% | $91,666 | View |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $615,000 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 66.7% | $60,000 | View |
|
5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $680,000 | View |
|
31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.1% | 100% | $605,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.1% | 50% | $505,000 | View |
|
2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
|
325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.1% | 100% | $415,000 | View |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
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 | |
|
5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
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 | |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Inspire Home Loans Inc.
|
Conventional, FHA, VA | 41 | 5.9% | 97.7% | $488,414 | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
2.9% | 83.3% | $332,000 | |
Kind Lending, LLC
|
Conventional, FHA | 18 | 2.6% | 100% | $379,444 | |
Pennymac Loan Services LLC
|
Conventional, FHA, Jumbo | 18 | 2.6% | 81.8% | $442,777 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 16 | 2.3% | 100% | $410,000 | |
American Pacific Mortgage Corporation
|
Conventional, VA | 15 | 2.2% | 93.8% | $364,333 | |
Paramount Residential Mortgage
|
Conventional, FHA | 9 | 1.3% | 100% | $312,777 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional, FHA | 8 | 1.2% | 100% | $425,000 | |
Provident Funding Associates
|
Conventional | 7 | 1% | 88.9% | $519,285 | |
New American Funding, LLC.
|
Conventional, FHA | 6 | 0.9% | 85.7% | $358,333 | |
Resicentral LLC
|
Conventional, FHA | 4 | 0.6% | 100% | $400,000 | |
Summit Funding.Inc
|
Conventional, FHA | 4 | 0.6% | 80% | $450,000 | |
Zillow Home Loans, LLC
|
Conventional, VA | 4 | 0.6% | 100% | $420,000 | |
Golden Empire Mortgage, Inc.
|
Conventional, FHA | 3 | 0.4% | 100% | $231,666 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 3 | 0.4% | 100% | $305,000 | |
JMAC Lending, Inc.
|
Conventional, FHA | 3 | 0.4% | 60% | $575,000 | |
Constant Investments, Inc
|
Conventional | 2 | 0.3% | 100% | $645,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 0.3% | 100% | $525,000 | View |
HomeXpress Mortgage Corp.
|
Conventional | 2 | 0.3% | 100% | $480,000 | |
New Wave Lending Group Inc
|
Conventional | 2 | 0.3% | 100% | $295,000 | |
West Coast Mortgage Group & Realty Co
|
Conventional | 2 | 0.3% | 100% | $570,000 | |
Nmsi, Inc.
|
Conventional | 2 | 0.3% | 100% | $435,000 | |
Nexera Holding LLC
|
Conventional | 2 | 0.3% | 100% | $140,000 | |
Carrington Mortgage Services LLC
|
Conventional | 2 | 0.3% | 75% | $85,000 | |
Goodleap, LLC
|
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 50% | $445,000 | |
AmWest Funding Corp
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $375,000 | |
Residential Wholesale Mortgage
|
Conventional | 1 | 0.1% | 100% | $555,000 | |
MortgageOne, Inc
|
Conventional | 1 | 0.1% | 100% | $715,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 100% | $575,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.1% | 50% | $535,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.1% | 100% | $465,000 | |
Ahl Funding
|
Conventional | 1 | 0.1% | 100% | $255,000 | |
Flexpoint, Inc.
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
Generations Home Loans, LLC
|
Conventional, Jumbo | 1 | 0.1% | 50% | $855,000 | |
The Police Credit Union of California
|
Conventional | 1 | 0.1% | 100% | $145,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.1% | 100% | $295,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $105,000 | |
Figure Lending LLC
|
HELOC | 0 +8 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 138 +14 HELOCs |
19.9% | 92.2% | $466,014 | |
Rocket Mortgage
|
Conventional, FHA, VA | 90 | 13% | 89.2% | $324,222 | |
The Loan Store, Inc
|
Conventional, FHA, HELOC | 31 +3 HELOCs |
4.5% | 97% | $451,774 | |
Newrez LLC
|
Conventional, FHA, VA, Jumbo | 19 | 2.7% | 87% | $318,684 | |
Triad Financial Services, Inc.
|
Conventional | 17 | 2.5% | 67.4% | $117,352 | |
Nationstar Mortgage
|
Conventional, FHA | 10 | 1.4% | 83.3% | $268,000 | |
Mortgage Research Center
|
Conventional, VA | 8 | 1.2% | 60% | $468,750 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +3 HELOCs |
1% | 70% | $380,714 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 6 +2 HELOCs |
0.9% | 88.9% | $456,666 | View |
Spring Eq, LLC
|
Conventional, HELOC | 5 +10 HELOCs |
0.7% | 36.8% | $89,000 | |
Amerisave Mortgage Company
|
Conventional, FHA | 4 | 0.6% | 30.8% | $105,000 | |
Everett Financial, Inc.
|
Conventional | 3 | 0.4% | 100% | $331,666 | |
Freedom Mortgage Corporation
|
FHA | 3 | 0.4% | 100% | $568,333 | |
Movement Mortgage, LLC
|
Conventional, VA | 3 | 0.4% | 100% | $635,000 | |
Peak Residential Lending Inc
|
Conventional, FHA | 3 | 0.4% | 100% | $378,333 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 3 | 0.4% | 75% | $258,333 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 0.4% | 100% | $735,000 | View |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $45,000 | View |
First Technology Federal Credit Union
|
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $290,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $460,000 | |
American Financial Resources LLC
|
Conventional, VA | 2 | 0.3% | 100% | $365,000 | |
Guaranteed Rate, Inc.
|
Conventional | 2 | 0.3% | 100% | $255,000 | |
Primelending
|
Conventional, VA | 2 | 0.3% | 100% | $450,000 | |
Canopy Mortgage, LLC
|
Conventional | 2 | 0.3% | 100% | $445,000 | |
Sage Home Loans Corporation
|
Conventional | 2 | 0.3% | 100% | $540,000 | |
Nbkc Bank
|
Conventional | 2 | 0.3% | 100% | $280,000 | |
Equity Prime Mortgage LLC
|
VA | 2 | 0.3% | 66.7% | $380,000 | |
PHH Mortgage Corporation
|
FHA, VA | 2 | 0.3% | 75% | $525,000 | |
Planet Home Lending, LLC
|
FHA, VA | 2 | 0.3% | 100% | $605,000 | |
Better Mortgage Corporation
|
Conventional | 2 | 0.3% | 50% | $335,000 | |
Nations Direct Mortgage, LLC
|
Conventional | 2 | 0.3% | 100% | $310,000 | |
HomeBridge Financial Services, Inc
|
VA, HELOC | 1 +4 HELOCs |
0.1% | 50% | $435,000 | |
|
A5.0 ★Texas Ratio: 10.53% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $325,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $435,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.1% | 41.7% | $385,000 | |
Go Mortgage, LLC
|
FHA | 1 | 0.1% | 100% | $385,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $435,000 | |
Guidance Residential, LLC
|
Conventional | 1 | 0.1% | 100% | $695,000 | |
Valon Mortgage
|
Conventional | 1 | 0.1% | 50% | $625,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.1% | 100% | $215,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0.1% | 100% | $375,000 | |
City 1st Mortgage Services, LC
|
FHA | 1 | 0.1% | 100% | $415,000 | |
Discover Bank
|
Conventional | 1 | 0.1% | 25% | $35,000 | |
Federated Mortgage Corp
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.1% | 100% | $755,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.1% | 100% | $585,000 | |
Starboard Financial Management, LLC
|
Conventional | 1 | 0.1% | 100% | $315,000 | |
Waterstone Mortgage Corporation
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,525,000 | |
Communityamerica Federal Credit Union
|
Conventional | 1 | 0.1% | 100% | $15,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
Right Start Mortgage, Inc
|
Conventional | 1 | 0.1% | 100% | $535,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $525,000 | View |
21St Mortgage
|
Conventional | 1 | 0.1% | 14.3% | $135,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.1% | 50% | $585,000 | View |
Leaderone Financial Corp.
|
Conventional | 1 | 0.1% | 50% | $545,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.1% | 100% | $285,000 | |
Village Capital & Investment
|
FHA | 1 | 0.1% | 66.7% | $605,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +10 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Signature Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
West Sacramento Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in West Sacramento, California
Looking for mortgage lenders near me or mortgage brokers near me in West Sacramento? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Sacramento in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Sacramento, CA
Use these to narrow the list above. Each category shows how many West Sacramento, CA lenders fit and what that kind of lender is usually best for.
Who Lends in West Sacramento, CA
Independent mortgage companies closed 85.5 percent of home loans in West Sacramento, California in 2025, banks 7.2 percent and credit unions 7.2 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 4 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.
More California Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in West Sacramento, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in West Sacramento, California with 9 loans, about 1.3 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.
Among lenders with meaningful volume in West Sacramento, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.2 percent, against a 83.7 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.
34 lenders closed FHA loans in West Sacramento, California in 2025, led by United Wholesale Mortgage with 28. 18 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 23 banks and 22 credit unions closed home loans in West Sacramento, California in 2025, alongside 85 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in West 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 West 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 West 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.
