Mortgage Lenders and Brokers in Charter Oak, 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
Charter Oak, California mortgage lenders include City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+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%, Cathay BankCathay Bank590 W Main St, Alhambra, CA 91801A+5.0 ★Texas Ratio: 4.57%, Vision One Mortgage, Inc.Vision One Mortgage, Inc.3279 Ramos Cir, Sacramento, CA 95827 2500A+5.0 ★Texas Ratio: 1.10%, Rize Federal Credit UnionRize Federal Credit Union12701 Schabarum Ave, Irwindale, CA 91706A5.0 ★Texas Ratio: 6.24%, and Christian Community Credit UnionChristian Community Credit Union255 N Lone Hill Ave, San Dimas, CA 91773 2308. 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 Charter Oak, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charter Oak 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 Charter Oak, California
Market share is the lender's share of all home loans closed in Charter Oak, 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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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 4 | 3.5% | 100% | $500,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 3 +4 HELOCs |
2.6% | 75% | $71,666 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2.6% | 100% | $498,333 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 2 | 1.8% | 100% | $680,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.9% | 100% | $125,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 50% | $635,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.9% | 100% | $555,000 | View |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.9% | 100% | $625,000 | View |
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12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24% |
Conventional | 1 | 0.9% | 50% | $155,000 | View |
Christian Community Credit Union
255 N Lone Hill Ave, San Dimas, CA 91773 2308 |
Conventional | 1 | 0.9% | 100% | $205,000 | |
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11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.9% | 100% | $525,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
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250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
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% | 0% | View | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 7 | 6.1% | 100% | $427,857 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 2.6% | 75% | $551,666 | |
loanDepot.com LLC
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Conventional | 2 | 1.8% | 66.7% | $120,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 1.8% | 100% | $715,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $355,000 | |
ML Mortgage Corp.
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FHA | 1 | 0.9% | 100% | $545,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.9% | 100% | $225,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.9% | 100% | $495,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.9% | 100% | $765,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.9% | 100% | $845,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.9% | 100% | $425,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.9% | 100% | $715,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.9% | 100% | $475,000 | |
Victoria Financial Corp
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Conventional | 1 | 0.9% | 100% | $205,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.9% | 50% | $665,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.9% | 100% | $535,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.9% | 100% | $335,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.9% | 100% | $595,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.9% | 100% | $615,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.9% | 66.7% | $105,000 | |
Arcstone Financial Inc
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Conventional | 1 | 0.9% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 15 | 13.2% | 88.9% | $457,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
12.3% | 93.3% | $670,000 | |
Triad Financial Services, Inc.
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Conventional | 7 | 6.1% | 75% | $173,571 | |
Spring Eq, LLC
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Conventional | 4 | 3.5% | 66.7% | $147,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 3 | 2.6% | 100% | $715,000 | View |
21St Mortgage
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Conventional | 3 | 2.6% | 50% | $135,000 | |
Ameritrust Mortgage Corporation
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Conventional, VA | 2 | 1.8% | 100% | $620,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.8% | 66.7% | $295,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.8% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $695,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $895,000 | |
Newrez LLC
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FHA | 1 | 0.9% | 50% | $665,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.9% | 100% | $595,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 100% | $65,000 | |
Discover Bank
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Conventional | 1 | 0.9% | 50% | $115,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $345,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.9% | 100% | $685,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
FHA | 1 | 0.9% | 100% | $1,375,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeStreet Bank
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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% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Charter Oak 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 Charter Oak, California
Looking for mortgage lenders near me or mortgage brokers near me in Charter Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charter Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charter Oak, CA
Use these to narrow the list above. Each category shows how many Charter Oak, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Charter Oak, CA
Independent mortgage companies closed 82.5 percent of home loans in Charter Oak, California in 2025, banks 11.4 percent and credit unions 6.1 percent. Change Lending was the largest mortgage company, City National Bank the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, City National Bank led with 4 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 Charter Oak, CA
By home loans closed in 2025, City National Bank was the largest mortgage lender in Charter Oak, California with 4 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Charter Oak, California in 2025, led by United Wholesale Mortgage with 6. 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.
Yes. 12 banks and 10 credit unions closed home loans in Charter Oak, California in 2025, alongside 42 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 Charter Oak, 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 Charter Oak, 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 Charter Oak. 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.
