Mortgage Lenders and Brokers in Carmichael, 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
Carmichael, California mortgage lenders include US Bank, N.A.US Bank, N.A.4040 Manzanita Ave, Carmichael, CA 95608A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA7225 Fair Oaks Blvd, Carmichael, CA 95608A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA4001 Manzanita Ave, Carmichael, CA 95608A+5.0 ★Texas Ratio: 3.54%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, The Golden 1 Credit UnionThe Golden 1 Credit Union4005 Manzanita Ave Ste 60, Carmichael, CA 95608 1784A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, 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%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 Carmichael, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carmichael 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 Carmichael, California
Market share is the lender's share of all home loans closed in Carmichael, 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 Carmichael 4040 Manzanita Ave, Carmichael, CA 95608 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 11 +5 HELOCs |
1.3% | 84.6% | $433,181 | View |
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1 office in Carmichael 7225 Fair Oaks Blvd, Carmichael, CA 95608 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 7 | 0.8% | 100% | $322,142 | View |
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1 office in Carmichael 4001 Manzanita Ave, Carmichael, CA 95608 A+5.0 ★Texas Ratio: 3.54% |
FHA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $205,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 22 +20 HELOCs |
2.6% | 95.7% | $120,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 14 | 1.7% | 93.3% | $160,000 | View |
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4005 Manzanita Ave Ste 60, Carmichael, CA 95608 1784 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 13 +54 HELOCs |
1.6% | 81.2% | $397,307 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 9 +20 HELOCs |
1.1% | 100% | $227,222 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 9 | 1.1% | 81.8% | $330,555 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +10 HELOCs |
0.6% | 71.4% | $855,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.5% | 100% | $105,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 3 +3 HELOCs |
0.4% | 100% | $111,666 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 3 | 0.4% | 100% | $401,666 | |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, Jumbo | 3 | 0.4% | 100% | $398,333 | View |
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4701 Manzanita Ave, Carmichael, CA 95608 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 3 | 0.4% | 100% | $355,000 | View |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $95,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 2 | 0.2% | 100% | $385,000 | View |
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3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 2 | 0.2% | 100% | $380,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 0.2% | 100% | $80,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $155,000 | View |
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3939 Walnut Ave, Carmichael, CA 95608 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 33.3% | $355,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $345,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $445,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.1% | 100% | $745,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 1 | 0.1% | 100% | $885,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 0.1% | 100% | $805,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.1% | 50% | $365,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 44 | 5.3% | 97.9% | $393,181 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 32 | 3.8% | 97% | $391,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 22 | 2.6% | 81.5% | $458,181 | |
Kind Lending, LLC
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Conventional, FHA, VA | 19 | 2.3% | 70.4% | $249,210 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo | 18 | 2.2% | 95% | $407,222 | |
Provident Funding Associates
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Conventional | 9 | 1.1% | 100% | $508,333 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA | 9 | 1.1% | 90% | $412,777 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 8 | 1% | 88.9% | $442,500 | |
Generations Home Loans, LLC
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Conventional, FHA | 7 | 0.8% | 87.5% | $389,285 | |
Paramount Residential Mortgage
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Conventional, VA | 7 | 0.8% | 100% | $430,714 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 0.7% | 100% | $376,666 | |
AmWest Funding Corp
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Conventional, FHA | 5 | 0.6% | 83.3% | $285,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 5 | 0.6% | 100% | $403,000 | View |
Summit Funding.Inc
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Conventional | 4 | 0.5% | 100% | $432,500 | |
Alameda Mortgage Corporation
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Conventional | 3 | 0.4% | 100% | $411,666 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $515,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 3 | 0.4% | 75% | $731,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $560,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $460,000 | |
Augusta Financial, Inc.
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Conventional | 2 | 0.2% | 100% | $230,000 | |
Resicentral LLC
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Conventional | 2 | 0.2% | 66.7% | $325,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.2% | 100% | $465,000 | |
Nmsi, Inc.
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Conventional | 2 | 0.2% | 100% | $355,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.2% | 50% | $280,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 0.2% | 50% | $390,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +2 HELOCs |
0.1% | 33.3% | $235,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.1% | 100% | $305,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.1% | 100% | $495,000 | |
Catalyst Mortgage
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FHA | 1 | 0.1% | 100% | $525,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Linked Home Loans, LLC dba Home Guide Mortgage
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Conventional | 1 | 0.1% | 100% | $555,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.1% | 100% | $335,000 | |
Land Home Financial Services,
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FHA | 1 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
FHA | 1 | 0.1% | 50% | $405,000 | View |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $535,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.1% | 100% | $315,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +13 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 161 +11 HELOCs |
19.3% | 92.7% | $459,472 | |
Rocket Mortgage
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Conventional, FHA, VA | 90 | 10.8% | 79.5% | $321,000 | |
The Loan Store, Inc
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Conventional, FHA, VA, Jumbo, HELOC | 35 +9 HELOCs |
4.2% | 95.1% | $485,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 16 | 1.9% | 100% | $444,375 | |
Nationstar Mortgage
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Conventional, FHA, VA | 13 | 1.6% | 92.9% | $153,461 | |
Newrez LLC
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Conventional, VA | 12 | 1.4% | 63.2% | $303,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA | 12 | 1.4% | 93.8% | $496,666 | View |
Spring Eq, LLC
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Conventional, HELOC | 10 +11 HELOCs |
1.2% | 40% | $91,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 9 | 1.1% | 92.3% | $689,444 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 7 | 0.8% | 77.8% | $529,285 | |
Canopy Mortgage, LLC
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Conventional, FHA | 6 | 0.7% | 100% | $471,666 | |
Allied Mortgage Group, Inc
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Conventional, FHA | 5 | 0.6% | 100% | $369,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 0.6% | 100% | $287,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 4 +1 HELOCs |
0.5% | 80% | $447,500 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 4 | 0.5% | 100% | $522,500 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 0.5% | 100% | $400,000 | |
Everett Financial, Inc.
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Conventional, FHA | 4 | 0.5% | 100% | $462,500 | |
Lakeview Loan Servicing, LLC
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Conventional | 3 | 0.4% | 35.7% | $141,666 | |
Go Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.4% | 100% | $321,666 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.4% | 100% | $321,666 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.4% | 27.3% | $188,333 | |
Discover Bank
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Conventional | 3 | 0.4% | 60% | $91,666 | |
Peak Residential Lending Inc
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Conventional, FHA | 3 | 0.4% | 100% | $358,333 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $385,000 | |
Vellum Mortgage, Inc.
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Conventional | 3 | 0.4% | 100% | $265,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 3 | 0.4% | 75% | $451,666 | View |
American Financial Resources LLC
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Conventional | 2 | 0.2% | 66.7% | $330,000 | |
Primelending
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Conventional | 2 | 0.2% | 100% | $210,000 | |
NOVA Financial & Investment Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $595,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.2% | 100% | $745,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.2% | 100% | $300,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $605,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.2% | 100% | $340,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.2% | 100% | $435,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $290,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.2% | 100% | $395,000 | View |
Loan Simple, Inc.
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FHA | 2 | 0.2% | 100% | $305,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $125,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +4 HELOCs |
0.1% | 50% | $265,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 66.7% | $485,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $475,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $545,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 25% | $585,000 | |
Real Genius LLC
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.1% | 100% | $625,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $205,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.1% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.1% | 100% | $735,000 | View |
Mortgage Research Center
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VA | 1 | 0.1% | 16.7% | $505,000 | |
Saygo Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 50% | $135,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.1% | 100% | $715,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $605,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 4.67% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 0.1% | 100% | $365,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 100% | $505,000 | |
Luxury Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $635,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Alliant Credit Union
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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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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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Carmichael 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 Carmichael, California
Looking for mortgage lenders near me or mortgage brokers near me in Carmichael? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carmichael in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carmichael, CA
Use these to narrow the list above. Each category shows how many Carmichael, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Carmichael, CA
Independent mortgage companies closed 83.1 percent of home loans in Carmichael, California in 2025, banks 7.3 percent and credit unions 9.6 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 22 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 Carmichael, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Carmichael, California with 11 loans, about 1.3 percent of the market. The largest lender headquartered in California was Schoolsfirst FCU with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Carmichael, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.7 percent, against a 85.8 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.
51 lenders closed FHA loans in Carmichael, California in 2025, led by United Wholesale Mortgage with 20. 19 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. 27 banks and 26 credit unions closed home loans in Carmichael, California in 2025, alongside 97 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 Carmichael, 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 Carmichael, 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 Carmichael. 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.
