Mortgage Lenders and Brokers in Clayton, 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
Clayton, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Travis Credit UnionTravis Credit Union5441 Clayton Rd, Clayton, CA 94517A+5.0 ★Texas Ratio: 4.51%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, and San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%. 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 Clayton, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clayton 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 Clayton, California
Market share is the lender's share of all home loans closed in Clayton, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 8 +7 HELOCs |
3.8% | 88.9% | $672,500 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 8 | 3.8% | 100% | $698,750 | View |
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5441 Clayton Rd, Clayton, CA 94517 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 6 +2 HELOCs |
2.8% | 100% | $195,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional, HELOC | 3 +2 HELOCs |
1.4% | 100% | $131,666 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.4% | 75% | $675,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 2 +7 HELOCs |
0.9% | 100% | $120,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 2 +5 HELOCs |
0.9% | 100% | $400,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $815,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $340,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 0.9% | 100% | $60,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 0.9% | 100% | $1,160,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +19 HELOCs |
0.5% | 100% | $1,035,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $75,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.5% | 100% | $1,165,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.5% | 100% | $665,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.5% | 100% | $1,035,000 | |
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560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.5% | 50% | $105,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.5% | 100% | $1,055,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $675,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.5% | 100% | $825,000 | View |
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1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.5% | 100% | $1,045,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
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 | 7 | 3.3% | 100% | $532,142 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.4% | 83.3% | $383,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 4 +2 HELOCs |
1.9% | 100% | $622,500 | |
New American Funding, LLC.
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Conventional | 4 | 1.9% | 100% | $650,000 | |
Resicentral LLC
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Conventional, VA | 3 | 1.4% | 100% | $711,666 | |
Alameda Mortgage Corporation
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Conventional | 2 | 0.9% | 100% | $620,000 | |
Land Home Financial Services,
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Conventional | 2 | 0.9% | 100% | $795,000 | |
Fundloans Capital
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Conventional | 1 | 0.5% | 100% | $195,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.5% | 50% | $945,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $675,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.5% | 100% | $635,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Summit Funding.Inc
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VA, Jumbo | 1 | 0.5% | 100% | $1,645,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 50% | $485,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, HELOC | 33 +1 HELOCs |
15.6% | 82.9% | $597,424 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 22 +2 HELOCs |
10.4% | 100% | $701,818 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 18 +1 HELOCs |
8.5% | 90% | $763,888 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA | 9 | 4.3% | 90% | $687,222 | View |
Everett Financial, Inc.
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Conventional, VA, HELOC | 4 +2 HELOCs |
1.9% | 100% | $540,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
1.4% | 50% | $141,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 1.4% | 100% | $998,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.9% | 100% | $1,040,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $735,000 | |
Allied Mortgage Group, Inc
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Conventional | 2 | 0.9% | 100% | $405,000 | |
Vellum Mortgage, Inc.
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Conventional | 2 | 0.9% | 100% | $625,000 | |
Mortgage Research Center
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VA, Jumbo | 2 | 0.9% | 100% | $1,190,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $615,000 | |
Arc Home LLC
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Conventional | 1 | 0.5% | 100% | $435,000 | |
Originpoint, LLC
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Conventional | 1 | 0.5% | 100% | $1,095,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $605,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 100% | $625,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.5% | 100% | $765,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 50% | $75,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.5% | 100% | $855,000 | |
Advancial Federal Credit Union
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,405,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $55,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.5% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $105,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.5% | 50% | $745,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Andrews Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $55,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $425,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $675,000 | |
Lower, LLC
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FHA | 1 | 0.5% | 100% | $815,000 | |
Right Start Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $645,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.5% | 100% | $965,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
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 | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Clayton 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 Clayton, California
Looking for mortgage lenders near me or mortgage brokers near me in Clayton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clayton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clayton, CA
Use these to narrow the list above. Each category shows how many Clayton, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Clayton, CA
Independent mortgage companies closed 72.5 percent of home loans in Clayton, California in 2025, banks 16.1 percent and credit unions 11.4 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Travis Credit Union the largest credit union. Among lenders headquartered in California, Travis Credit Union led with 6 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 Clayton, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Clayton, California with 8 loans, about 3.8 percent of the market. The largest lender headquartered in California was Travis Credit Union with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Clayton, California in 2025, led by loanDepot.com LLC with 2. 9 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. 23 banks and 20 credit unions closed home loans in Clayton, California in 2025, alongside 48 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 Clayton, 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 Clayton, 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 Clayton. 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.
