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.
Home

What My Customers Say

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

5 Star Rating
I honestly didn’t know working with a loan officer could be this pleasant. Jill and Lisa are absolutely incredible. What is usually a stressful, emotional, and complicated process felt smooth, calm, and well-managed every step of the way. Jill and her team went above and beyond, and I can’t recommend them enough.

Todd M

CA

Dec 11, 2025

5 Star Rating
Jill is the best!

Frank S

CA

Nov 14, 2025

5 Star Rating
Joe really takes her time to make sure that she answers all the questions you have and really takes time to make the entire process easy for you. Her entire team is a real pleasure to work with.

Enrique C

CA

Oct 09, 2025

5 Star Rating
This team is great. I used them in 2011 and they were great then and just as great now. Erika especially is amazing! Always available for whatever we needed.

Christie M

CA

Sep 04, 2025