Mortgage Lenders and Brokers in Carmel-by-the-Sea, 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
Carmel-by-the-Sea, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, 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, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Bny Mellon, N.A.Bny Mellon, N.A.2029 Century Park E, Los Angeles, CA 90067A+5.0 ★Texas Ratio: 0.37%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, and Five Star BankFive Star Bank1370 E Lassen Ave, Chico, CA 95973A+5.0 ★Texas Ratio: 2.53%. 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 Carmel-by-the-Sea, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carmel-by-the-Sea 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 Carmel-by-the-Sea, California
Market share is the lender's share of all home loans closed in Carmel-by-the-Sea, 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 Carmel-by-the-Sea 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
3.6% | 100% | $1,148,333 | View |
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1 office in Carmel-by-the-Sea 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1.2% | 50% | $2,005,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 7.2% | 100% | $1,761,666 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 6 | 7.2% | 100% | $1,440,000 | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
3.6% | 60% | $1,568,333 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 3.6% | 100% | $1,765,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 2.4% | 66.7% | $3,760,000 | View |
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2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 1.2% | 100% | $4,005,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo | 1 | 1.2% | 75% | $1,855,000 | View |
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1370 E Lassen Ave, Chico, CA 95973 A+5.0 ★Texas Ratio: 2.53% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,505,000 | View |
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350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 1.2% | 100% | $885,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $755,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,015,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,245,000 | View |
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175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional | 2 | 2.4% | 100% | $485,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 2.4% | 100% | $310,000 | |
Fundloans Capital
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Conventional, Jumbo | 1 | 1.2% | 100% | $3,205,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 1 | 1.2% | 100% | $505,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.2% | 100% | $305,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $505,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1.2% | 100% | $755,000 | |
Summit Funding.Inc
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Conventional | 1 | 1.2% | 100% | $365,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 1.2% | 50% | $1,275,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 7 | 8.4% | 87.5% | $2,492,142 | View |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 4 +3 HELOCs |
4.8% | 80% | $1,205,000 | |
Rocket Mortgage
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Conventional | 3 | 3.6% | 100% | $308,333 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 3 | 3.6% | 100% | $1,271,666 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 2 | 2.4% | 100% | $1,085,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 2.4% | 100% | $1,460,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 2.4% | 100% | $1,510,000 | View |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
1.2% | 100% | $105,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,455,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.2% | 100% | $905,000 | |
Primelending
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,475,000 | |
Freedom Mortgage Corporation
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VA, Jumbo | 1 | 1.2% | 100% | $1,645,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,655,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $365,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 1.2% | 100% | $655,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 1.2% | 33.3% | $1,425,000 | |
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A5.0 ★Texas Ratio: 12.27% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,895,000 | View |
Vellum Mortgage, Inc.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,595,000 | |
BoxCar Mortgage, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,425,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.2% | 50% | $755,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 1.2% | 100% | $1,145,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,605,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,875,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.2% | 100% | $205,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1.2% | 33.3% | $2,205,000 | View |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Usalliance Federal 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 | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Carmel-by-the-Sea 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 Carmel-by-the-Sea, California
Looking for mortgage lenders near me or mortgage brokers near me in Carmel-by-the-Sea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carmel-by-the-Sea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carmel-by-the-Sea, CA
Use these to narrow the list above. Each category shows how many Carmel-by-the-Sea, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Carmel-by-the-Sea, CA
Independent mortgage companies closed 49.4 percent of home loans in Carmel-by-the-Sea, California in 2025, banks 45.8 percent and credit unions 4.8 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Stanford Federal Credit Union the largest credit union. Among lenders headquartered in California, Fremont Bank led with 1 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 Carmel-by-the-Sea, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Carmel-by-the-Sea, California with 3 loans, about 3.6 percent of the market. The largest lender headquartered in California was Fremont Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 12 credit unions closed home loans in Carmel-by-the-Sea, California in 2025, alongside 29 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 Carmel-by-the-Sea, 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 Carmel-by-the-Sea, 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 Carmel-by-the-Sea. 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.
