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Mortgage Lenders and Brokers in Berkeley, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Berkeley, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2150 Shattuck Ave, Berkeley, CA 94704A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.2479 Shattuck Ave, Berkeley, CA 94704A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1800 Solano Ave, Berkeley, CA 94707A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3001 Telegraph Ave, Berkeley, CA 94705A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA2101 University Avenue, Berkeley, CA 94704A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA2495 Bancroft Way, Berkeley, CA 94720A+5.0 ★Texas Ratio: 3.54%, Mechanics BankMechanics Bank755 Hearst Ave, Berkeley, CA 94710A+5.0 ★Texas Ratio: 1.81%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Hsbc Bank USA, NAHsbc Bank USA, NA1107 S Baldwin Ave, Arcadia, CA 91007A+5.0 ★Texas Ratio: 4.86%, and The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%. 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 Berkeley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Berkeley 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 Berkeley, California

Market share is the lender's share of all home loans closed in Berkeley, 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
JPMorgan Chase Bank, NA 5 offices in Berkeley 2150 Shattuck Ave, Berkeley, CA 94704 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	37 +5 HELOCs	5.4%	95%	$1,052,027	View
US Bank, N.A. 2 offices in Berkeley 2479 Shattuck Ave, Berkeley, CA 94704 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	35 +9 HELOCs	5.1%	87.5%	$1,097,000	View
Wells Fargo Bank NA 3 offices in Berkeley 1800 Solano Ave, Berkeley, CA 94707 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	28	4.1%	93.3%	$1,136,071	View
Bank of America NA 4 offices in Berkeley 3001 Telegraph Ave, Berkeley, CA 94705 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	18 +22 HELOCs	2.6%	85.7%	$1,013,333	View
Citibank, NA 1 office in Berkeley 2101 University Avenue, Berkeley, CA 94704 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	16 +2 HELOCs	2.3%	100%	$1,428,125	View
BMO Harris Bank NA 2 offices in Berkeley 2495 Bancroft Way, Berkeley, CA 94720 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.7%	55.6%	$1,197,000	View
Mechanics Bank 3 offices in Berkeley 755 Hearst Ave, Berkeley, CA 94710 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	2 +14 HELOCs	0.3%	66.7%	$720,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	5 +13 HELOCs	0.7%	100%	$619,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	5	0.7%	100%	$819,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	4 +4 HELOCs	0.6%	100%	$652,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +4 HELOCs	0.6%	100%	$810,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	4	0.6%	100%	$497,500	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	3 +10 HELOCs	0.4%	100%	$1,425,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.4%	57.1%	$888,333	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	3 +3 HELOCs	0.4%	100%	$1,055,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	3 +2 HELOCs	0.4%	100%	$495,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.4%	75%	$891,666	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	3	0.4%	100%	$308,333	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.4%	75%	$168,333	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo	3	0.4%	100%	$838,333	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.3%	100%	$1,360,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.3%	66.7%	$895,000	View
1st UNITED CREDIT UNION 2175 Milvia St, Berkeley, CA 94704 1112 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	1 +22 HELOCs	0.1%	50%	$55,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$175,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$155,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$125,000	View
Five Star Bank 1370 E Lassen Ave, Chico, CA 95973 A+5.0 ★Texas Ratio: 2.53%	Conventional, Jumbo	1	0.1%	100%	$4,975,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional	1	0.1%	100%	$1,115,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0.1%	100%	$375,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$955,000
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0.1%	100%	$1,755,000	View
First Federal Savings and Loan Association of San Rafael 2009 Sir Francis Drake Blvd, Fairfax, CA 94930	Conventional	1	0.1%	100%	$645,000
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	50%	$745,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional	1	0.1%	100%	$875,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0.1%	100%	$605,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional	1	0.1%	100%	$605,000	View
The Northern Trust Co 2049 Century Park E, Los Angeles, CA 90067 A4.7 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$1,005,000	View
Amalgamated Bank 255 California St Ste 600, San Francisco, CA 94111 A5.0 ★Texas Ratio: 11.81%	Conventional, Jumbo	1	0.1%	100%	$1,645,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +7 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +2 HELOCs	0%	n/a		View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	HELOC	0 +2 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, Jumbo	34	5%	94.4%	$848,529
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	16 +1 HELOCs	2.3%	100%	$778,750
Nmsi, Inc.	Conventional	6	0.9%	100%	$705,000
loanDepot.com LLC	Conventional, HELOC	5 +1 HELOCs	0.7%	100%	$653,000
General Mortgage Capital Corporation	Conventional, Jumbo	5	0.7%	100%	$755,000
Nexera Holding LLC	Conventional, Jumbo	4	0.6%	80%	$850,000
AmeriHome Mortgage Company, LLC	Conventional	3	0.4%	100%	$1,041,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	3	0.4%	100%	$788,333	View
American Pacific Mortgage Corporation	Conventional	3	0.4%	60%	$998,333
AmWest Funding Corp	Conventional, HELOC	2 +3 HELOCs	0.3%	100%	$565,000
Kind Lending, LLC	Conventional	2	0.3%	100%	$710,000
5Th Sreet Capital Inc.	Conventional	2	0.3%	100%	$620,000
Resicentral LLC	Conventional	2	0.3%	100%	$775,000
Fidelity Lending Solutions Inc	Conventional	2	0.3%	100%	$520,000
Greenbox Loans	Conventional, Jumbo	2	0.3%	100%	$1,090,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	2	0.3%	100%	$630,000	View
Citadel Servicing Corporation	Conventional	2	0.3%	100%	$710,000
Plaza Home Mortgage, Inc	Conventional	2	0.3%	50%	$370,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	50%	$425,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$605,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$545,000
Googain, Inc.	Conventional	1	0.1%	100%	$925,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$505,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$715,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$1,085,000
Provident Funding Associates	Conventional	1	0.1%	100%	$805,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	50%	$755,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,265,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$575,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$925,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$1,345,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,385,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
CrossCountry Mortgage, LLC	Conventional, Jumbo	84	12.3%	100%	$1,035,833
Rocket Mortgage	Conventional, VA, Jumbo	66	9.7%	84%	$813,636
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	48 +4 HELOCs	7%	85%	$830,416
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, Jumbo, HELOC	38 +2 HELOCs	5.6%	100%	$1,101,842	View
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	16 +1 HELOCs	2.3%	100%	$1,093,125
Vellum Mortgage, Inc.	Conventional, Jumbo	16	2.3%	100%	$858,125
Newrez LLC	Conventional	11	1.6%	84.6%	$498,636
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	10 +2 HELOCs	1.5%	90.9%	$1,396,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	9 +1 HELOCs	1.3%	100%	$952,777	View
The Loan Store, Inc	Conventional, HELOC	6 +3 HELOCs	0.9%	100%	$590,000
Nationstar Mortgage	Conventional	4	0.6%	80%	$397,500
Originpoint, LLC	Conventional, Jumbo	3	0.4%	100%	$1,501,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	2 +2 HELOCs	0.3%	50%	$1,040,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$325,000
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.3%	40%	$130,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$525,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.3%	100%	$1,565,000	View
Nbkc Bank	Conventional	2	0.3%	66.7%	$775,000
Mutual of Omaha Mortgage	Conventional	2	0.3%	66.7%	$310,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.3%	100%	$1,225,000	View
Luxury Mortgage Corp.	Conventional	2	0.3%	100%	$1,000,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.3%	66.7%	$400,000	View
Fourleaf Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$505,000
Boeing Employees' Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,575,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,255,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$935,000
Everett Financial, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,895,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$965,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$785,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$495,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$795,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.1%	100%	$1,425,000	View
Amerisave Mortgage Company	Conventional	1	0.1%	20%	$35,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$725,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0.1%	100%	$1,355,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$1,005,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$505,000	View
Discover Bank	Conventional	1	0.1%	16.7%	$225,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$795,000
Bay Equity LLC	Conventional	1	0.1%	50%	$755,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$125,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	16.7%	$565,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, Jumbo	1	0.1%	100%	$1,885,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$1,005,000	View
Golden Bank National Associati	Conventional	1	0.1%	100%	$535,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$1,005,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	33.3%	$765,000	View
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$1,655,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$1,105,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$825,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$725,000
United Nations Federal CU	Conventional	1	0.1%	100%	$575,000
Industrial and Commercial Bank of China (USA) NA	Conventional	1	0.1%	100%	$1,165,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$785,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$1,005,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +9 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +7 HELOCs	0%	0%
Alliant Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +2 HELOCs	0%	n/a		View
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Berkeley Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Berkeley, California

Looking for mortgage lenders near me or mortgage brokers near me in Berkeley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Berkeley in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Berkeley, CA

Use these to narrow the list above. Each category shows how many Berkeley, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 66 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 3 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 3 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 40 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 64 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Berkeley, CA

Independent mortgage companies closed 63.3 percent of home loans in Berkeley, California in 2025, banks 30.6 percent and credit unions 6.1 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Patelco Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 18 loans.

63.3%

Mortgage companies

30.6%

Banks

6.1%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Berkeley, CA

Who is the largest mortgage lender in Berkeley, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Berkeley, California with 37 loans, about 5.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Berkeley, CA have the highest approval rates?

Among lenders with meaningful volume in Berkeley, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 89 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.

Which Berkeley, CA mortgage lenders offer FHA, VA and USDA loans?

3 lenders closed FHA loans in Berkeley, California in 2025, led by United Wholesale Mortgage with 4. 3 lenders closed VA loans, led by Rocket 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.

Are credit unions and local banks included in this Berkeley, CA lender list?

Yes. 46 banks and 35 credit unions closed home loans in Berkeley, California in 2025, alongside 66 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.

How are mortgage lenders in Berkeley, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Berkeley, 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 Berkeley, 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 Berkeley. 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.