Mortgage Lenders and Brokers in Ceres, 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
Ceres, California mortgage lenders include BMO Harris Bank NABMO Harris Bank NA2501 E Whitmore Ave, Ceres, CA 95307A+5.0 ★Texas Ratio: 3.54%, Wells Fargo Bank NAWells Fargo Bank NA2905 4th St, Ceres, CA 95307A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA2617 Mitchell Rd, Ceres, CA 95307A+5.0 ★Texas Ratio: 4.14%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Bank of StocktonBank of Stockton229 S Main St, Angels Camp, CA 95222A+5.0 ★Texas Ratio: 0.21%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, and Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%. 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 Ceres, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ceres 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 Ceres, California
Market share is the lender's share of all home loans closed in Ceres, 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 Ceres 2501 E Whitmore Ave, Ceres, CA 95307 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 3 +7 HELOCs |
0.8% | 60% | $275,000 | View |
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1 office in Ceres 2905 4th St, Ceres, CA 95307 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 75% | $205,000 | View |
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1 office in Ceres 2617 Mitchell Rd, Ceres, CA 95307 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +13 HELOCs |
0% | 0% | View | |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 15 | 3.8% | 100% | $289,666 | |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 12 | 3% | 100% | $308,333 | View |
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229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 0.5% | 100% | $215,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 33.3% | $55,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $505,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $325,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $335,000 | View |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $75,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.3% | 100% | $405,000 | View |
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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional, Jumbo | 1 | 0.3% | 100% | $955,000 | 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 +2 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional, FHA | 20 | 5.1% | 76.9% | $345,000 | |
Generations Home Loans, LLC
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Conventional, FHA | 15 | 3.8% | 93.8% | $353,666 | |
Guild Mortgage Company
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Conventional, FHA | 13 | 3.3% | 94.4% | $261,153 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 11 +1 HELOCs |
2.8% | 91.7% | $201,363 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 11 | 2.8% | 100% | $371,363 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 2% | 72.7% | $238,750 | |
Flexpoint, Inc.
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Conventional, FHA | 7 | 1.8% | 100% | $332,142 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 1.8% | 87.5% | $235,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 4 | 1% | 71.4% | $357,500 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 4 | 1% | 100% | $310,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 4 | 1% | 100% | $435,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 3 | 0.8% | 62.5% | $351,666 | |
Resicentral LLC
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Conventional, FHA | 3 | 0.8% | 75% | $381,666 | |
American Financial Network, Inc.
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FHA | 3 | 0.8% | 100% | $485,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 3 | 0.8% | 60% | $261,666 | |
Greenbox Loans
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Conventional | 2 | 0.5% | 100% | $260,000 | |
Franklin Loan Corporation
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FHA | 2 | 0.5% | 100% | $390,000 | |
Alameda Mortgage Corporation
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VA | 1 | 0.3% | 100% | $475,000 | |
Fundloans Capital
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Conventional | 1 | 0.3% | 100% | $325,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 50% | $345,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Land Home Financial Services,
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FHA | 1 | 0.3% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.3% | 100% | $305,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $495,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.3% | 100% | $525,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 33.3% | $305,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +8 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 57 | 14.4% | 84.5% | $230,964 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 52 +5 HELOCs |
13.2% | 84.1% | $417,500 | |
Nationstar Mortgage
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Conventional, FHA | 16 | 4.1% | 84.2% | $132,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 15 +2 HELOCs |
3.8% | 100% | $291,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 8 +2 HELOCs |
2% | 88.9% | $297,500 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.8% | 81.8% | $399,285 | |
Newrez LLC
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Conventional, VA | 6 | 1.5% | 58.3% | $236,666 | |
Spring Eq, LLC
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Conventional | 5 | 1.3% | 45.5% | $87,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 1% | 66.7% | $162,500 | |
The Loan Store, Inc
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Conventional, HELOC | 3 +3 HELOCs |
0.8% | 100% | $328,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 3 | 0.8% | 75% | $388,333 | View |
Primelending
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Conventional, FHA | 3 | 0.8% | 66.7% | $245,000 | |
Equity Prime Mortgage LLC
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Conventional, FHA | 3 | 0.8% | 75% | $395,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 3 | 0.8% | 100% | $255,000 | |
Homeowners Financial Group, LLC
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Conventional | 3 | 0.8% | 100% | $148,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 0.8% | 100% | $451,666 | |
Leaderone Financial Corp.
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Conventional, FHA | 3 | 0.8% | 100% | $411,666 | |
Everett Financial, Inc.
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FHA | 2 | 0.5% | 100% | $425,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.5% | 100% | $150,000 | |
New Day Financial, LLC.
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VA | 2 | 0.5% | 66.7% | $375,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.5% | 66.7% | $25,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.5% | 100% | $310,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $515,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 21.4% | $75,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $705,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $525,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 33.3% | $25,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 12.5% | $55,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Nfm, Inc
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FHA | 1 | 0.3% | 100% | $445,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 66.7% | $415,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 100% | $475,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Oaktree Funding Corp
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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 | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ceres 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 Ceres, California
Looking for mortgage lenders near me or mortgage brokers near me in Ceres? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ceres in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ceres, CA
Use these to narrow the list above. Each category shows how many Ceres, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Ceres, CA
Independent mortgage companies closed 90.9 percent of home loans in Ceres, California in 2025, banks 7.6 percent and credit unions 1.5 percent. Synergy One Lending, Inc. was the largest mortgage company, BMO Harris Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA 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 Ceres, CA
By home loans closed in 2025, BMO Harris Bank NA was the largest mortgage lender in Ceres, California with 3 loans, about 0.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ceres, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 84.5 percent, against a 80.7 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.
40 lenders closed FHA loans in Ceres, California in 2025, led by United Wholesale Mortgage with 24. 8 lenders closed VA loans, led by United Wholesale 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.
Yes. 19 banks and 10 credit unions closed home loans in Ceres, California in 2025, alongside 69 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 Ceres, 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 Ceres, 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 Ceres. 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.
