Mortgage Lenders and Brokers in Atwater, 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
Atwater, California mortgage lenders include PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Wells Fargo Bank NAWells Fargo Bank NA243 E Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA700 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 2.82%, Mechanics BankMechanics Bank1861 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 1.81%, Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union101 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 1.23%, Travis Credit UnionTravis Credit Union981 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%. 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 Atwater, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Atwater 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 Atwater, California
Market share is the lender's share of all home loans closed in Atwater, 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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★ 1.7 stars, 3 reviews 1 office in Atwater 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $385,000 | View |
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1 office in Atwater 243 E Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 25% | $35,000 | View |
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1 office in Atwater 700 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1 office in Atwater 1861 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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101 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 12 | 3.5% | 92.3% | $172,500 | View |
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981 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 7 +3 HELOCs |
2.1% | 77.8% | $165,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +2 HELOCs |
1.2% | 100% | $327,500 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 4 | 1.2% | 100% | $232,500 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA, VA | 4 | 1.2% | 100% | $227,500 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $65,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $335,000 | View |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
Conventional | 2 | 0.6% | 100% | $95,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 100% | $100,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 50% | $295,000 | View |
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1655 Bellevue Rd, Atwater, CA 95301 2608 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.3% | 50% | $45,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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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 | |
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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 | |
Kind Lending, LLC
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Conventional, FHA, USDA | 15 | 4.4% | 88.2% | $303,666 | |
Generations Home Loans, LLC
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Conventional, FHA | 7 | 2.1% | 100% | $323,571 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 6 | 1.8% | 100% | $340,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 1.5% | 100% | $285,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.2% | 80% | $75,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.2% | 80% | $292,500 | |
Flexpoint, Inc.
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Conventional, FHA | 4 | 1.2% | 100% | $440,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 4 | 1.2% | 80% | $295,000 | |
Guild Mortgage Company
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FHA | 3 | 0.9% | 100% | $361,666 | |
MortgageOne, Inc
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FHA | 2 | 0.6% | 100% | $385,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.6% | 100% | $285,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.6% | 100% | $185,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 2 | 0.6% | 100% | $320,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
Ahl Funding
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Greenbox Loans
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
FHA | 1 | 0.3% | 100% | $265,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $625,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $315,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.3% | 100% | $615,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 50 +2 HELOCs |
14.7% | 88.1% | $364,200 | |
Rocket Mortgage
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Conventional, FHA, VA | 37 | 10.9% | 84.1% | $212,027 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 33 | 9.7% | 97.1% | $297,121 | |
Guaranteed Rate, Inc.
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Conventional, FHA, USDA | 28 | 8.2% | 100% | $297,142 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 14 | 4.1% | 83.3% | $325,714 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.8% | 85.7% | $226,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 1.5% | 100% | $331,000 | |
Spring Eq, LLC
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Conventional | 5 | 1.5% | 62.5% | $49,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 1.2% | 100% | $110,000 | |
The Loan Store, Inc
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Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $438,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.9% | 60% | $141,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.9% | 75% | $308,333 | View |
Newrez LLC
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Conventional, FHA, USDA | 3 | 0.9% | 100% | $268,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 0.9% | 100% | $208,333 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.6% | 100% | $410,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $310,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.6% | 28.6% | $160,000 | |
Movement Mortgage, LLC
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FHA, VA | 2 | 0.6% | 100% | $455,000 | |
Ameritrust Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $430,000 | |
Mortgage Research Center
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VA | 2 | 0.6% | 66.7% | $285,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.6% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $85,000 | View |
NOVA Financial & Investment Corporation
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FHA | 1 | 0.3% | 100% | $425,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $155,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 14.3% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 1 | 0.3% | 100% | $395,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $395,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 33.3% | $245,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
FHA | 1 | 0.3% | 100% | $205,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $305,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 25% | $145,000 | |
Village Capital & Investment
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FHA | 1 | 0.3% | 100% | $315,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Alliant 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 |
Atwater 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 Atwater, California
Looking for mortgage lenders near me or mortgage brokers near me in Atwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Atwater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Atwater, CA
Use these to narrow the list above. Each category shows how many Atwater, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Atwater, CA
Independent mortgage companies closed 86.8 percent of home loans in Atwater, California in 2025, banks 4.4 percent and credit unions 8.8 percent. Synergy One Lending, Inc. was the largest mortgage company, PNC Bank N.A. the largest bank and Merced School Employees Federal Credit Union the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 0 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 Atwater, CA
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in Atwater, California with 1 loans, about 0.3 percent of the market. The largest lender headquartered in California was Mechanics Bank with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Atwater, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88.1 percent, against a 85 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 Atwater, California in 2025, led by United Wholesale Mortgage with 27. 14 lenders closed VA loans, led by Freedom Mortgage Corporation, and 3 closed USDA rural loans. 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. 14 banks and 13 credit unions closed home loans in Atwater, California in 2025, alongside 58 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 Atwater, 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 Atwater, 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 Atwater. 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.
