Jill Hinkey

Title: Mortgage Loan Originator

NMLS# 259878

Location: Roseville, CA

At Sunflower Bank, we do things differently than other home lenders. We believe that communication is key, so whether you’re a first-time homebuyer, or a seasoned homeowner looking to refinance, we make sure to walk you through every step of the process. We offer a variety of loan options from conventional, to government, to everything in between. Our comprehensive suite of lending options allows us to find you a product that best suits your financial needs.

We value your business, and you are definitely not just a number to us. We show this by servicing your loan from beginning to end – we don’t close a loan and pass off our clients to a third-party. In fact, Sunflower keeps most loans in-house to completion. This person-to-person approach makes an impact.

Ready to get started? Contact me today! Creating possibility for our customers and putting them in their dream homes is what we do.

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - Circle of Excellence Award

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

5 Star Rating
I cannot recommend Jill Hinkey highly enough. Purchasing a home is stressful enough, but my transaction came with more than its fair share of challenges. Throughout the entire process, Jill was an absolute rock—knowledgeable, responsive, strategic, and incredibly patient. No matter what obstacle came our way, she found a solution and kept everything moving forward. What impressed me most was her communication. Jill was always available to answer questions, explain options, and provide reassurance when things felt overwhelming. She made a complicated process feel manageable and consistently went above and beyond to advocate for me every step of the way. Thanks to Jill's expertise, professionalism, and persistence, we were able to get the loan approved and close on my home. There were several moments where I truly don't think the transaction would have made it to the finish line without her dedication and problem-solving skills. If you're looking for a lender who genuinely cares about her clients, knows her craft inside and out, and will fight to get your deal done, Jill Hinkey is the person you want on your team.

Holly H

CA

Jul 07, 2026

5 Star Rating
Very professional and had a great experience working with Jill and Sunflower Bank.

Alex W

CA

Jun 01, 2026

5 Star Rating
Jill was recommended by the real estate agent representing us in the purchase of our home. Great recommendation. My wife and I spoke to other mortgage companies, but they only discussed loan particulars when we asked. Jill not only responded but consistently followed up with us as we progressed. And she answered the phone pretty much every time we called her direct. Sunflower Bank's rates and service were excellent. Including pushing to fund the loan for an early closing. Both my wife and I will call Jill first if we decide to purchase another home. We can't recommend her and Sunflower enough for their efforts.

Michael C

CA

May 31, 2026

5 Star Rating
Jill and her team were professional and friendly. Great to work with. They took us from start to finish in less than 3 weeks.

John G

CA

May 22, 2026

5 Star Rating
I’ve closed four or five financing deals with Jill over the past 15 years—including a home purchase, an investment property, a refinance, and most recently a HELOC—and that consistency says everything. She really listens, understands what you’re trying to accomplish, and helps you navigate the complexity in a way that actually makes sense. She becomes your go-to throughout the process—working across the entire organization, including underwriting and other decision-makers, as well as coordinating with the title company—so things stay aligned and don’t turn into a scramble. You’re not left guessing. It genuinely feels like she’s on your side, looking out for you. If you’ve dealt with the usual lender experience—bait-and-switch, upselling, or that “us vs. them” dynamic—this is completely different. Working with Jill and Sunflower Bank has been a really positive experience. If you’re considering financing and want someone who actually has your back, I highly recommend reaching out to Jill.

Eric D

CA

Apr 13, 2026

5 Star Rating
Outstanding communication, positive and realistic, creative and overall excellent! Great experience and would do business together again!

Marlon W

AZ

Mar 30, 2026

5 Star Rating
The Hinkey team and Sunflower were so easy to work with!

Stephanie C

CA

Feb 16, 2026

5 Star Rating
Jill Hinkey and her team are professional, amicable, and expertly responsive to any and all questions she had. She has taken care of my family for years, and we're so grateful for her help as always.

Chelsey L

CA

Feb 06, 2026

5 Star Rating
If you want efficient, kind and thoughtful service with a smooth transition, you have chosen the perfect person and bank!

Viola G

CA

Feb 02, 2026

5 Star Rating
Jill is amazing and very knowledgeable.

Brendan I

CA

Dec 28, 2025