Mortgage Lenders and Brokers in Atascadero, 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
Atascadero, California mortgage lenders include US Bank, N.A.US Bank, N.A.7199 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8055 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 3.68%, Mechanics BankMechanics Bank6950 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 1.81%, Sesloc Credit UnionSesloc Credit Union8380 El Camino Real, Atascadero, CA 93422 5324, Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443, Murphy BankMurphy Bank5180 N Palm Ave, Fresno, CA 93704A+5.0 ★Texas Ratio: 2.25%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, CoastHills Credit UnionCoastHills Credit Union7315 El Camino Real, Atascadero, CA 93422 4628, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 Atascadero, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Atascadero 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 Atascadero, California
Market share is the lender's share of all home loans closed in Atascadero, 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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1 office in Atascadero 7199 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 9 +5 HELOCs |
2.5% | 71.4% | $402,777 | View |
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1 office in Atascadero 8055 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 66.7% | $620,000 | View |
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1 office in Atascadero 6950 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $545,000 | View |
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8380 El Camino Real, Atascadero, CA 93422 5324 |
Conventional, HELOC | 16 +41 HELOCs |
4.4% | 81% | $311,250 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional, VA, HELOC | 11 +1 HELOCs |
3% | 100% | $485,909 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional, Jumbo | 4 | 1.1% | 100% | $455,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 3 +13 HELOCs |
0.8% | 75% | $395,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $685,000 | View |
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7315 El Camino Real, Atascadero, CA 93422 4628 |
Conventional | 2 | 0.5% | 66.7% | $120,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 100% | $105,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $635,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $615,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.3% | 100% | $965,000 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.3% | 100% | $675,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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1425 W LUGONIA AVE, REDLANDS, CA 92374 A+5.0 ★Texas Ratio: 3.38% |
Conventional | 1 | 0.3% | 100% | $515,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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6905 Capistrano Ave, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +7 HELOCs |
0% | 0% | View | |
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255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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 | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Coastal Funding SLC, Inc.
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Conventional, FHA | 20 | 5.5% | 100% | $510,000 | |
loanDepot.com LLC
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Conventional, FHA, Jumbo | 16 | 4.4% | 88.9% | $320,625 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 3.3% | 92.3% | $412,500 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 8 | 2.2% | 100% | $440,000 | |
Kind Lending, LLC
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Conventional, VA | 6 | 1.6% | 70% | $606,666 | |
Dignified Home Loans LLC
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Conventional | 5 | 1.4% | 100% | $393,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 1.1% | 100% | $535,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.8% | 100% | $341,666 | |
ML Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $500,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $415,000 | |
HomeXpress Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $750,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
VA | 2 | 0.5% | 100% | $650,000 | View |
ClearEdge Lending LLC
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Conventional | 2 | 0.5% | 100% | $570,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.5% | 66.7% | $355,000 | |
Goodleap, LLC
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FHA | 1 | 0.3% | 100% | $895,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.3% | 100% | $555,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $285,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.3% | 50% | $475,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
Bay-Valley Mortgage Group
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VA | 1 | 0.3% | 100% | $665,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.3% | 50% | $565,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 33.3% | $405,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.3% | 100% | $945,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $615,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,165,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 58 +8 HELOCs |
15.8% | 89.6% | $608,448 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 33 | 9% | 79.5% | $452,272 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 30 +1 HELOCs |
8.2% | 100% | $592,666 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 9 | 2.5% | 90% | $702,777 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 8 +1 HELOCs |
2.2% | 100% | $643,750 | |
Newrez LLC
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Conventional, VA | 6 | 1.6% | 75% | $251,666 | |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.4% | 100% | $701,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 4 | 1.1% | 100% | $532,500 | |
Nationstar Mortgage
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Conventional | 4 | 1.1% | 57.1% | $200,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +4 HELOCs |
0.8% | 50% | $165,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.8% | 44.4% | $635,000 | |
Better Mortgage Corporation
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Conventional | 3 | 0.8% | 60% | $158,333 | |
Premier Mortgage Resources, LLC
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FHA | 2 | 0.5% | 100% | $575,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.5% | 40% | $75,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.5% | 100% | $560,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $600,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.5% | 66.7% | $840,000 | View |
Planet Home Lending, LLC
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FHA | 2 | 0.5% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA, Jumbo | 2 | 0.5% | 100% | $780,000 | View |
V.I.P. Mortgage, Inc.
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Conventional | 2 | 0.5% | 100% | $560,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.5% | 100% | $545,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.5% | 100% | $330,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.5% | 100% | $255,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $595,000 | |
Signature Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 14.3% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.3% | 100% | $635,000 | View |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
Altitude Financial Corporation
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 12.5% | $125,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $665,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $695,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 100% | $35,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 50% | $595,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $725,000 | View |
Alliant Credit Union
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Atascadero 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 Atascadero, California
Looking for mortgage lenders near me or mortgage brokers near me in Atascadero? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Atascadero in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Atascadero, CA
Use these to narrow the list above. Each category shows how many Atascadero, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Atascadero, CA
Independent mortgage companies closed 83.1 percent of home loans in Atascadero, California in 2025, banks 9 percent and credit unions 7.9 percent. Central Coast Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Sesloc Credit Union the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 1 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 Atascadero, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Atascadero, California with 9 loans, about 2.5 percent of the market. The largest lender headquartered in California was Mechanics Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Atascadero, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.6 percent, against a 82.9 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.
19 lenders closed FHA loans in Atascadero, California in 2025, led by United Wholesale Mortgage with 6. 16 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 Atascadero, California in 2025, alongside 64 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 Atascadero, 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 Atascadero, 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 Atascadero. 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.
