Mortgage Lenders and Brokers in Alta Sierra, California
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Alta Sierra, California mortgage lenders include Sierra Central Credit UnionSierra Central Credit Union5026 Rhonda Rd, Anderson, CA 96007A+5.0 ★Texas Ratio: 3.22%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, 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 Alta Sierra, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Alta Sierra 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 Alta Sierra, California
Market share is the lender's share of all home loans closed in Alta Sierra, 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 |
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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +2 HELOCs |
1.4% | 100% | $65,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $180,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 0.9% | 100% | $405,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 2 | 0.9% | 100% | $205,000 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $205,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 50% | $105,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $55,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $125,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional, FHA | 11 | 5.1% | 91.7% | $315,909 | |
Guild Mortgage Company
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Conventional | 6 | 2.8% | 100% | $358,333 | |
American Pacific Mortgage Corporation
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Conventional | 5 | 2.3% | 100% | $417,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.8% | 80% | $525,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 4 | 1.8% | 80% | $402,500 | |
loanDepot.com LLC
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Conventional | 2 | 0.9% | 66.7% | $175,000 | |
Generations Home Loans, LLC
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Conventional | 2 | 0.9% | 100% | $265,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.9% | 100% | $500,000 | |
Alameda Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 8.76% |
FHA | 1 | 0.5% | 100% | $295,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $705,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.5% | 100% | $75,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.5% | 33.3% | $445,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 57 +2 HELOCs |
26.3% | 93.5% | $445,175 | |
Rocket Mortgage
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Conventional | 19 | 8.8% | 90.5% | $262,894 | |
The Loan Store, Inc
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Conventional, FHA | 17 | 7.8% | 95.2% | $437,941 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
2.3% | 100% | $441,000 | |
Guaranteed Rate, Inc.
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Conventional | 5 | 2.3% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 5 | 2.3% | 62.5% | $263,000 | |
CrossCountry Mortgage, LLC
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Conventional | 4 | 1.8% | 100% | $335,000 | |
Spring Eq, LLC
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Conventional | 4 | 1.8% | 57.1% | $57,500 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
1.4% | 100% | $491,666 | |
Newrez LLC
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Conventional, VA | 3 | 1.4% | 100% | $328,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 1.4% | 100% | $435,000 | View |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.4% | 100% | $241,666 | |
Mortgage Research Center
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VA | 3 | 1.4% | 66.7% | $471,666 | |
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A+5.0 ★Texas Ratio: 4.67% |
Conventional | 3 | 1.4% | 100% | $81,666 | View |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $345,000 | |
Freedom Mortgage Corporation
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Conventional | 2 | 0.9% | 100% | $400,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 0.9% | 100% | $415,000 | |
Better Mortgage Corporation
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $75,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $515,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.5% | 100% | $495,000 | |
Filo Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $495,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 33.3% | $35,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.5% | 100% | $465,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $725,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 50% | $605,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 50% | $285,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Alta Sierra 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 Alta Sierra, California
Looking for mortgage lenders near me or mortgage brokers near me in Alta Sierra? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Alta Sierra in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Alta Sierra, CA
Use these to narrow the list above. Each category shows how many Alta Sierra, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Alta Sierra, CA
Independent mortgage companies closed 89.9 percent of home loans in Alta Sierra, California in 2025, banks 4.1 percent and credit unions 6 percent. Synergy One Lending, Inc. was the largest mortgage company, Flagstar Bank NA the largest bank and Sierra Central Credit Union the largest credit union. Among lenders headquartered in California, Sierra Central Credit Union led with 3 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 Alta Sierra, CA
By home loans closed in 2025, Sierra Central Credit Union was the largest mortgage lender in Alta Sierra, California with 3 loans, about 1.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Alta Sierra, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.5 percent, against a 87.8 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.
18 lenders closed FHA loans in Alta Sierra, California in 2025, led by United Wholesale Mortgage with 13. 8 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. 16 banks and 14 credit unions closed home loans in Alta Sierra, California in 2025, alongside 47 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 Alta Sierra, 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 Alta Sierra, 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 Alta Sierra. 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.
