Mortgage Lenders and Brokers in Bay Point, 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
Bay Point, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA660 Bailey Rd, Bay Point, CA 94565A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA670 Bailey Rd, Bay Point, CA 94565A+5.0 ★Texas Ratio: 3.68%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Eagle Community Credit UnionEagle Community Credit Union2310A E Lincoln Ave, Anaheim, CA 92806 4109A+5.0 ★Texas Ratio: 3.63%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, and Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%. 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 Bay Point, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay Point 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 Bay Point, California
Market share is the lender's share of all home loans closed in Bay Point, 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 Bay Point 660 Bailey Rd, Bay Point, CA 94565 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.3% | 75% | $301,666 | View |
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1 office in Bay Point 670 Bailey Rd, Bay Point, CA 94565 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $360,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 4 | 3.1% | 66.7% | $117,500 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 3 +2 HELOCs |
2.3% | 100% | $105,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA | 3 | 2.3% | 100% | $481,666 | View |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 2 | 1.5% | 100% | $140,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 33.3% | $385,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $565,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $495,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 0.8% | 100% | $485,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 5 +1 HELOCs |
3.8% | 100% | $497,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 1.5% | 100% | $335,000 | |
American Financial Network, Inc.
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FHA | 2 | 1.5% | 100% | $520,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 1.5% | 100% | $450,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 1.5% | 100% | $240,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $225,000 | |
Resicentral LLC
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Conventional | 1 | 0.8% | 100% | $435,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.8% | 100% | $535,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.8% | 100% | $445,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.8% | 100% | $345,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.8% | 100% | $285,000 | |
Provident Funding Associates
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Conventional | 1 | 0.8% | 100% | $375,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $245,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.8% | 100% | $545,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.8% | 100% | $285,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 22 +1 HELOCs |
16.8% | 91.7% | $427,727 | |
Rocket Mortgage
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Conventional, FHA | 14 | 10.7% | 78.9% | $395,714 | |
Allied Mortgage Group, Inc
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Conventional, FHA | 5 | 3.8% | 100% | $267,000 | |
Triad Financial Services, Inc.
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Conventional | 5 | 3.8% | 76.2% | $177,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 4 +2 HELOCs |
3.1% | 100% | $357,500 | |
Everett Financial, Inc.
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Conventional, FHA | 4 | 3.1% | 66.7% | $432,500 | |
21St Mortgage
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Conventional | 3 | 2.3% | 30% | $168,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.5% | 100% | $435,000 | View |
Primelending
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Conventional | 2 | 1.5% | 100% | $240,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 2 | 1.5% | 100% | $395,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.5% | 100% | $550,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 1.5% | 100% | $280,000 | View |
Spring Eq, LLC
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Conventional | 2 | 1.5% | 50% | $115,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $405,000 | |
American Financial Resources LLC
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FHA | 1 | 0.8% | 100% | $505,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.8% | 100% | $385,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $875,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 33.3% | $335,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.8% | 100% | $365,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 33.3% | $165,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.8% | 100% | $575,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.8% | 100% | $335,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
FHA | 1 | 0.8% | 100% | $305,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.8% | 100% | $465,000 | View |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.8% | 100% | $405,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.8% | 50% | $385,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.8% | 100% | $195,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.8% | 100% | $215,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bay Point 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 Bay Point, California
Looking for mortgage lenders near me or mortgage brokers near me in Bay Point? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay Point in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay Point, CA
Use these to narrow the list above. Each category shows how many Bay Point, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Bay Point, CA
Independent mortgage companies closed 79.4 percent of home loans in Bay Point, California in 2025, banks 10.7 percent and credit unions 9.9 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Pacific Service Credit Union the largest credit union. Among lenders headquartered in California, Pacific Service Credit Union led with 4 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 Bay Point, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Bay Point, California with 3 loans, about 2.3 percent of the market. The largest lender headquartered in California was Pacific Service Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Bay Point, California in 2025, led by Rocket Mortgage with 5. 5 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. 9 banks and 9 credit unions closed home loans in Bay Point, California in 2025, alongside 44 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 Bay Point, 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 Bay Point, 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 Bay Point. 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.
