Benicia, California mortgage lenders include US Bank, N.A.US Bank, N.A.848 Southampton Rd, Benicia, CA 94510A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA802 Southampton Rd, Benicia, CA 94510A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA70 Solano Sq, Benicia, CA 94510A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA890 Southampton Rd, Benicia, CA 94510A+5.0 ★Texas Ratio: 5.36%, Columbia BankColumbia Bank1395 E 2nd St, Benicia, CA 94510A+5.0 ★Texas Ratio: 2.28%, BMO Harris Bank NABMO Harris Bank NA1001 1st St, Benicia, CA 94510A+5.0 ★Texas Ratio: 3.54%, Travis Credit UnionTravis Credit Union812 Southampton Rd, Benicia, CA 94510A+5.0 ★Texas Ratio: 4.51%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, and 1st Northern California Credit Union1st Northern California Credit Union560 1st St Ste B106, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.12%. 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 Benicia, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Benicia 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.
Market share is the lender's share of all home loans closed in Benicia, 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 |
|---|---|---|---|---|---|---|
|
1 office in Benicia 848 Southampton Rd, Benicia, CA 94510 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 9 +3 HELOCs |
2% | 81.8% | $729,444 | View |
|
1 office in Benicia 802 Southampton Rd, Benicia, CA 94510 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 7 | 1.6% | 77.8% | $662,142 | View |
|
1 office in Benicia 70 Solano Sq, Benicia, CA 94510 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +19 HELOCs |
1.1% | 100% | $815,000 | View |
|
1 office in Benicia 890 Southampton Rd, Benicia, CA 94510 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.7% | 100% | $441,666 | View |
|
1 office in Benicia 1395 E 2nd St, Benicia, CA 94510 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $670,000 | View |
|
1 office in Benicia 1001 1st St, Benicia, CA 94510 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 66.7% | $215,000 | View |
|
812 Southampton Rd, Benicia, CA 94510 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 11 +10 HELOCs |
2.4% | 91.7% | $197,727 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 3 +8 HELOCs |
0.7% | 75% | $245,000 | View |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional, HELOC | 3 +4 HELOCs |
0.7% | 100% | $75,000 | View |
|
560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 3 | 0.7% | 100% | $328,333 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.7% | 100% | $91,666 | View |
|
2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $515,000 | View |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $450,000 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 66.7% | $430,000 | View |
|
9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 100% | $445,000 | View |
|
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 50% | $305,000 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $75,000 | View |
|
1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.2% | 100% | $605,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
|
1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
|
3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.2% | 100% | $655,000 | View |
|
1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.2% | 100% | $605,000 | View |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sea West Coast Gurad FCU
Coast Guard Island, Alameda, CA 94501 5100 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA, Jumbo | 15 | 3.3% | 78.9% | $803,666 | |
loanDepot.com LLC
|
Conventional, FHA, Jumbo, HELOC | 11 +1 HELOCs |
2.4% | 84.6% | $493,181 | |
American Pacific Mortgage Corporation
|
Conventional, FHA | 11 | 2.4% | 100% | $455,909 | |
Guild Mortgage Company
|
Conventional | 10 | 2.2% | 100% | $471,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 8 | 1.8% | 100% | $537,500 | |
Kind Lending, LLC
|
Conventional, HELOC | 5 +1 HELOCs |
1.1% | 100% | $473,000 | |
American Internet Mortgage, Inc.
|
Conventional | 4 | 0.9% | 100% | $505,000 | |
AmWest Funding Corp
|
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $360,000 | |
General Mortgage Capital Corporation
|
Conventional | 2 | 0.4% | 100% | $760,000 | |
Linked Home Loans, LLC dba Home Guide Mortgage
|
Conventional | 2 | 0.4% | 100% | $650,000 | |
Land Home Financial Services,
|
Conventional, FHA | 2 | 0.4% | 100% | $565,000 | |
The Police Credit Union of California
|
Conventional | 2 | 0.4% | 100% | $385,000 | |
Lendsure Mortgage Corp.
|
Conventional | 2 | 0.4% | 100% | $495,000 | |
ClearEdge Lending LLC
|
Conventional | 2 | 0.4% | 100% | $650,000 | |
Paramount Residential Mortgage
|
Conventional | 2 | 0.4% | 100% | $650,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $405,000 | |
Alameda Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $395,000 | |
Augusta Financial, Inc.
|
Conventional | 1 | 0.2% | 100% | $505,000 | |
Home Mortgage Alliance Corp (Hmac)
|
Conventional | 1 | 0.2% | 100% | $605,000 | |
AdvantageFirst Lending Inc
|
Conventional | 1 | 0.2% | 100% | $475,000 | |
American Financial Network, Inc.
|
Conventional | 1 | 0.2% | 100% | $395,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.2% | 100% | $725,000 | View |
Bay-Valley Mortgage Group
|
Conventional | 1 | 0.2% | 100% | $745,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $805,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $605,000 | |
Mission Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 0.2% | 100% | $705,000 | |
Nmsi, Inc.
|
Conventional | 1 | 0.2% | 100% | $705,000 | |
Operating Engineers Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $145,000 | |
Plaza Home Mortgage, Inc
|
Conventional, Jumbo | 1 | 0.2% | 50% | $1,045,000 | |
JMAC Lending, Inc.
|
FHA | 1 | 0.2% | 100% | $555,000 | |
Figure Lending LLC
|
HELOC | 0 +9 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 61 +7 HELOCs |
13.5% | 95.4% | $573,032 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, Jumbo, HELOC | 54 +4 HELOCs |
12% | 98.2% | $637,037 | |
Rocket Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 50 +1 HELOCs |
11.1% | 86.4% | $362,000 | |
Tri Pointe Connect, LLC
|
Conventional, VA, Jumbo | 20 | 4.4% | 100% | $785,500 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, Jumbo, HELOC | 13 +1 HELOCs |
2.9% | 100% | $579,615 | View |
Newrez LLC
|
Conventional, VA, Jumbo | 9 | 2% | 75% | $528,333 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 4 +6 HELOCs |
0.9% | 80% | $607,500 | |
Fairway Independent Mort Corp
|
Conventional, FHA, HELOC | 4 +1 HELOCs |
0.9% | 80% | $447,500 | |
Everett Financial, Inc.
|
Conventional, VA, Jumbo | 4 | 0.9% | 80% | $710,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 3 +5 HELOCs |
0.7% | 50% | $141,666 | |
Amerisave Mortgage Company
|
Conventional, HELOC | 3 +2 HELOCs |
0.7% | 50% | $168,333 | |
Pentagon Federal Credit Union
|
Conventional, HELOC | 3 +2 HELOCs |
0.7% | 100% | $401,666 | |
Originpoint, LLC
|
Conventional, Jumbo | 3 | 0.7% | 100% | $558,333 | |
Guaranteed Rate, Inc.
|
Conventional | 3 | 0.7% | 100% | $451,666 | |
Nationstar Mortgage
|
Conventional | 3 | 0.7% | 50% | $205,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $555,000 | |
American Financial Resources LLC
|
Conventional | 2 | 0.4% | 100% | $185,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 2 | 0.4% | 100% | $335,000 | View |
Lakeview Loan Servicing, LLC
|
FHA, VA | 2 | 0.4% | 100% | $745,000 | |
Discover Bank
|
Conventional | 2 | 0.4% | 28.6% | $130,000 | |
Homeowners Financial Group, LLC
|
Conventional | 2 | 0.4% | 66.7% | $450,000 | |
Planet Home Lending, LLC
|
Conventional, FHA | 2 | 0.4% | 100% | $700,000 | |
Vellum Mortgage, Inc.
|
Conventional | 2 | 0.4% | 100% | $510,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.4% | 100% | $435,000 | View |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.4% | 100% | $745,000 | View |
HomeBridge Financial Services, Inc
|
FHA, HELOC | 1 +3 HELOCs |
0.2% | 100% | $685,000 | |
Arc Home LLC
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $795,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.2% | 100% | $435,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
Primelending
|
Conventional | 1 | 0.2% | 50% | $765,000 | |
Freedom Mortgage Corporation
|
VA | 1 | 0.2% | 50% | $435,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.2% | 100% | $605,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 100% | $465,000 | |
Acrisure Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $635,000 | |
Equity Prime Mortgage LLC
|
VA | 1 | 0.2% | 50% | $735,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
Emporium Tpo LLC
|
Conventional | 1 | 0.2% | 100% | $605,000 | |
|
A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.2% | 100% | $495,000 | |
Teachers Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $665,000 | |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
Mortgage Research Center
|
VA, Jumbo | 1 | 0.2% | 25% | $815,000 | |
V.I.P. Mortgage, Inc.
|
VA, Jumbo | 1 | 0.2% | 100% | $975,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.2% | 100% | $385,000 | |
Nations Direct Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $765,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $785,000 | |
Lower, LLC
|
Conventional | 1 | 0.2% | 100% | $665,000 | |
|
★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Toyota Financial Savings Bank
|
Conventional | 1 | 0.2% | 100% | $325,000 | |
21St Mortgage
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
|
A+5.0 ★Texas Ratio: 4.67% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $775,000 | |
Leaderone Financial Corp.
|
Conventional, Jumbo | 1 | 0.2% | 100% | $985,000 | |
Alliant Credit Union
|
HELOC | 0 +10 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | 100% | ||
Fourleaf Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +2 HELOCs |
0% | 0% | ||
Gte Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Signature Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for California compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Benicia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Benicia in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Benicia, CA lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 79.8 percent of home loans in Benicia, California in 2025, banks 10.9 percent and credit unions 9.3 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Travis Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 5 loans.
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.
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Benicia, California with 9 loans, about 2 percent of the market. The largest lender headquartered in California was Bank of America NA with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Benicia, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.2 percent, against a 88.8 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.
13 lenders closed FHA loans in Benicia, California in 2025, led by United Wholesale Mortgage with 6. 15 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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. 26 banks and 31 credit unions closed home loans in Benicia, California in 2025, alongside 76 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 Benicia, 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.
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 Benicia, 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 Benicia. 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.