Mortgage Lenders and Brokers in Cambria, 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
Cambria, California mortgage lenders include Columbia BankColumbia Bank2255 Main St, Cambria, CA 93428A+5.0 ★Texas Ratio: 2.28%, Mechanics BankMechanics Bank1070 Main St, Cambria, CA 93428A+5.0 ★Texas Ratio: 1.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%, and Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311. 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 Cambria, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cambria 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 Cambria, California
Market share is the lender's share of all home loans closed in Cambria, 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 Cambria 2255 Main St, Cambria, CA 93428 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +2 HELOCs |
1.2% | 100% | $915,000 | View |
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1 office in Cambria 1070 Main St, Cambria, CA 93428 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 4.7% | 80% | $692,500 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
2.3% | 100% | $530,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 2.3% | 100% | $600,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 2 | 2.3% | 100% | $580,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.3% | 100% | $590,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional, HELOC | 1 +2 HELOCs |
1.2% | 100% | $145,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,005,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 1.2% | 100% | $745,000 | |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
Conventional | 1 | 1.2% | 33.3% | $505,000 | View |
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3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 1 | 1.2% | 100% | $155,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.2% | 100% | $805,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1.2% | 100% | $705,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
Alameda Mortgage Corporation
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Conventional | 2 | 2.3% | 100% | $720,000 | |
Kind Lending, LLC
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Conventional | 2 | 2.3% | 100% | $475,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.3% | 100% | $275,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,265,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $605,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 1.2% | 100% | $255,000 | |
AmWest Funding Corp
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Conventional | 1 | 1.2% | 100% | $305,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 1.2% | 100% | $165,000 | |
Intelliloan, Inc.
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FHA | 1 | 1.2% | 100% | $685,000 | |
Franklin Loan Corporation
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Conventional | 1 | 1.2% | 100% | $815,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $685,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1.2% | 100% | $815,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Nexera Holding LLC
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Conventional | 1 | 1.2% | 100% | $805,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Guaranteed Rate, Inc.
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Conventional, Jumbo | 10 | 11.6% | 100% | $823,000 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo, HELOC | 8 +3 HELOCs |
9.3% | 88.9% | $591,250 | |
Envoy Mortgage, Ltd
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Conventional | 7 | 8.1% | 100% | $556,428 | |
Rocket Mortgage
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Conventional | 5 | 5.8% | 62.5% | $501,000 | |
Originpoint, LLC
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Conventional | 2 | 2.3% | 100% | $650,000 | |
The Loan Store, Inc
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Conventional | 2 | 2.3% | 100% | $565,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 2.3% | 100% | $705,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
1.2% | 50% | $305,000 | |
Premier Mortgage Resources, LLC
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VA, Jumbo | 1 | 1.2% | 100% | $1,405,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1.2% | 100% | $975,000 | View |
Loansteady LLC
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Conventional | 1 | 1.2% | 100% | $555,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1.2% | 100% | $335,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 1.2% | 50% | $695,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 1.2% | 100% | $805,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 1.2% | 100% | $575,000 | View |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,805,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 100% | $605,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.2% | 100% | $135,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 1.2% | 100% | $295,000 | |
Champions Funding, LLC
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Conventional | 1 | 1.2% | 100% | $585,000 | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Nasa Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cambria 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 Cambria, California
Looking for mortgage lenders near me or mortgage brokers near me in Cambria? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cambria in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cambria, CA
Use these to narrow the list above. Each category shows how many Cambria, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Cambria, CA
Independent mortgage companies closed 75.6 percent of home loans in Cambria, California in 2025, banks 19.8 percent and credit unions 4.7 percent. Central Coast Lending, Inc. was the largest mortgage company, Columbia Bank the largest bank and Sesloc 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 Cambria, CA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Cambria, California with 1 loans, about 1.2 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.
2 lenders closed FHA loans in Cambria, California in 2025, led by Intelliloan, Inc. with 1. 1 lenders closed VA loans, led by Premier Mortgage Resources, LLC. 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 8 credit unions closed home loans in Cambria, California in 2025, alongside 34 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 Cambria, 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 Cambria, 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 Cambria. 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.
