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Mortgage Lenders and Brokers in Concord, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Concord, California mortgage lenders include US Bank, N.A.US Bank, N.A.1875 Willow Pass Rd, Concord, CA 94520A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2097 Salvio St, Concord, CA 94520A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1200 Concord Ave, Concord, CA 94520A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1053 Sunvalley Blvd, Concord, CA 94520A+5.0 ★Texas Ratio: 4.14%, Pacific Service Credit UnionPacific Service Credit Union1355 Willow Way, Concord, CA 94520A+5.0 ★Texas Ratio: 1.59%, Citibank, NACitibank, NA4420 Treat Blvd, Concord, CA 94521A+5.0 ★Texas Ratio: 2.82%, Chevron Federal Credit UnionChevron Federal Credit Union2300 Clayton Rd Ste 700, Concord, CA 94520A+5.0 ★Texas Ratio: 2.12%, BMO Harris Bank NABMO Harris Bank NA1969 Diamond Blvd, Concord, CA 94520A+5.0 ★Texas Ratio: 3.54%, PNC Bank N.A.PNC Bank N.A.5100 Clayton Rd, Concord, CA 94521A+5.0 ★Texas Ratio: 4.24%, and Columbia BankColumbia Bank1900 Grant St, Concord, CA 94520A+5.0 ★Texas Ratio: 2.28%. 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 Concord, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Concord 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 Concord, California

Market share is the lender's share of all home loans closed in Concord, 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
US Bank, N.A. 3 offices in Concord 1875 Willow Pass Rd, Concord, CA 94520 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	32 +16 HELOCs	2.1%	66.7%	$649,062	View
JPMorgan Chase Bank, NA 2 offices in Concord 2097 Salvio St, Concord, CA 94520 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	31 +2 HELOCs	2.1%	91.4%	$555,967	View
Wells Fargo Bank NA 3 offices in Concord 1200 Concord Ave, Concord, CA 94520 A+5.0 ★Texas Ratio: 5.36%	Conventional	28	1.9%	87.5%	$489,642	View
Bank of America NA 2 offices in Concord 1053 Sunvalley Blvd, Concord, CA 94520 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	20 +56 HELOCs	1.3%	100%	$545,500	View
Pacific Service Credit Union 1355 Willow Way, Concord, CA 94520 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	18 +11 HELOCs	1.2%	82.8%	$121,666	View
Citibank, NA 1 office in Concord 4420 Treat Blvd, Concord, CA 94521 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	13 +2 HELOCs	0.9%	100%	$708,076	View
Chevron Federal Credit Union 2300 Clayton Rd Ste 700, Concord, CA 94520 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	9 +14 HELOCs	0.6%	100%	$499,444	View
BMO Harris Bank NA 1 office in Concord 1969 Diamond Blvd, Concord, CA 94520 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	4 +14 HELOCs	0.3%	80%	$475,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Concord 5100 Clayton Rd, Concord, CA 94521 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +10 HELOCs	0.1%	100%	$565,000	View
Columbia Bank 1 office in Concord 1900 Grant St, Concord, CA 94520 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$2,105,000	View
Mechanics Bank 1 office in Concord 1170 Concord Ave, Concord, CA 94520 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$885,000	View
Land Home Financial Services,	Conventional, FHA	2	0.1%	100%	$530,000
Patelco Credit Union 1390 Willow Pass Rd Ste 100, Concord, CA 94520 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	24 +27 HELOCs	1.6%	96.2%	$245,416	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	20	1.3%	100%	$591,000	View
Travis Credit Union 2095 Diamond Blvd Ste 115, Concord, CA 94520 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	17 +5 HELOCs	1.1%	89.5%	$221,470	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	10 +8 HELOCs	0.7%	90.9%	$496,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	9	0.6%	90%	$326,111	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	8	0.5%	76.9%	$261,250	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	6 +17 HELOCs	0.4%	75%	$213,333	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	6 +8 HELOCs	0.4%	85.7%	$536,666	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$190,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	4	0.3%	50%	$480,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	3 +4 HELOCs	0.2%	60%	$311,666	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$531,666	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	3	0.2%	100%	$301,666	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	3	0.2%	60%	$625,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA	3	0.2%	75%	$491,666
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	2 +2 HELOCs	0.1%	40%	$280,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +1 HELOCs	0.1%	75%	$625,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional	2	0.1%	100%	$185,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	100%	$635,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	2	0.1%	100%	$305,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$945,000	View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$425,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$55,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$55,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$195,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional	1	0.1%	100%	$145,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$155,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +4 HELOCs	0%	0%		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +2 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	n/a		View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	HELOC	0 +1 HELOCs	0%	n/a		View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	0%		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	48	3.2%	86.2%	$558,125
New American Funding, LLC.	Conventional, FHA, HELOC	28 +1 HELOCs	1.9%	96.6%	$420,714
loanDepot.com LLC	Conventional, VA, HELOC	24 +2 HELOCs	1.6%	80%	$316,666
American Pacific Mortgage Corporation	Conventional, FHA, VA	24	1.6%	100%	$604,583
Guild Mortgage Company	Conventional, FHA	19	1.3%	90.5%	$542,894
Cornerstone First Mortgage, LLC	Conventional, FHA	16	1.1%	100%	$641,875
Kind Lending, LLC	Conventional, FHA, VA	12	0.8%	75%	$554,166
Paramount Residential Mortgage	Conventional, FHA, VA	12	0.8%	100%	$476,666
Resicentral LLC	Conventional, FHA	11	0.7%	100%	$653,181
AmWest Funding Corp	Conventional	10	0.7%	100%	$624,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	10	0.7%	92.9%	$422,000	View
New Wave Lending Group Inc	Conventional	8	0.5%	100%	$527,500
Sierra Pacific Mortgage Co. Inc	Conventional	7	0.5%	87.5%	$570,714
Nexera Holding LLC	Conventional	7	0.5%	77.8%	$207,857
Alameda Mortgage Corporation	Conventional, FHA	6	0.4%	100%	$648,333
General Mortgage Capital Corporation	Conventional	6	0.4%	100%	$433,333
Stg Mortgage Inc	Conventional	6	0.4%	100%	$578,333
Mason-McDuffie Mortgage Corporation	Conventional, FHA	6	0.4%	85.7%	$391,666
Flexpoint, Inc.	Conventional, FHA	5	0.3%	100%	$457,000
Provident Funding Associates	Conventional	5	0.3%	100%	$563,000
Nmsi, Inc.	Conventional	5	0.3%	100%	$401,000
The Police Credit Union of California	Conventional	4	0.3%	100%	$642,500
Zillow Home Loans, LLC	Conventional	4	0.3%	80%	$367,500
Plaza Home Mortgage, Inc	Conventional, VA	4	0.3%	71.4%	$602,500
Golden Empire Mortgage, Inc.	Conventional, VA	3	0.2%	100%	$671,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.2%	100%	$735,000
HomeXpress Mortgage Corp.	Conventional	3	0.2%	100%	$581,666
Googain, Inc.	Conventional	3	0.2%	100%	$375,000
Citadel Servicing Corporation	Conventional, Jumbo	3	0.2%	100%	$708,333
JMAC Lending, Inc.	Conventional	3	0.2%	75%	$701,666
American Financial Network, Inc.	Conventional	2	0.1%	100%	$680,000
Fidelity Lending Solutions Inc	Conventional	2	0.1%	100%	$500,000
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	100%	$765,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$515,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$65,000
Ardri LLC	Conventional	2	0.1%	100%	$620,000
Operating Engineers Federal Credit Union	Conventional	2	0.1%	100%	$395,000
Goodleap, LLC	FHA, HELOC	1 +3 HELOCs	0.1%	100%	$555,000
Fundloans Capital	Conventional	1	0.1%	100%	$365,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$885,000
Infinity Equity Group, Inc.	Conventional	1	0.1%	100%	$805,000
AdvantageFirst Lending Inc	Conventional	1	0.1%	50%	$775,000
Instamortgage, Inc	Conventional	1	0.1%	100%	$755,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$315,000
Royal Pacific Funding	FHA	1	0.1%	100%	$345,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$665,000
Greenbox Loans	Conventional	1	0.1%	100%	$385,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$115,000	View
Franklin Loan Corporation	Conventional	1	0.1%	100%	$85,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$205,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$255,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	8.3%	$195,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$105,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$445,000
Figure Lending LLC	HELOC	0 +20 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
PFN Lending Group, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	195	13%	84%	$431,717
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	147 +9 HELOCs	9.8%	87.2%	$580,782
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	107 +5 HELOCs	7.1%	100%	$632,009
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, HELOC	31 +3 HELOCs	2.1%	94.7%	$544,354	View
Vellum Mortgage, Inc.	Conventional, FHA, VA	29	1.9%	93.8%	$611,896
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	26 +1 HELOCs	1.7%	96.3%	$414,615
Nationstar Mortgage	Conventional, VA	25	1.7%	78.1%	$229,800
Guaranteed Rate, Inc.	Conventional, FHA, VA	21	1.4%	91.3%	$596,904
Newrez LLC	Conventional, FHA, VA	19	1.3%	63.3%	$583,421
Spring Eq, LLC	Conventional, HELOC	16 +9 HELOCs	1.1%	47.1%	$150,000
The Loan Store, Inc	Conventional, HELOC	14 +3 HELOCs	0.9%	100%	$612,857
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	14	0.9%	93.3%	$662,857
Envoy Mortgage, Ltd	Conventional, FHA	12	0.8%	100%	$594,166
Mortgage Research Center	VA, Jumbo	11	0.7%	68.8%	$570,454
Fairway Independent Mort Corp	Conventional, FHA	9	0.6%	100%	$562,777
Triad Financial Services, Inc.	Conventional	8	0.5%	55%	$180,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +3 HELOCs	0.5%	53.8%	$495,000
Freedom Mortgage Corporation	Conventional, FHA, VA	7	0.5%	90%	$475,000
Bay Equity LLC	Conventional	7	0.5%	77.8%	$599,285
Ameritrust Mortgage Corporation	Conventional, FHA	7	0.5%	100%	$755,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	6	0.4%	60%	$588,333	View
Union Home Mortgage Corp.	Conventional, FHA, HELOC	5 +1 HELOCs	0.3%	100%	$579,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	5	0.3%	100%	$685,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	5	0.3%	42.9%	$657,000
Allied Mortgage Group, Inc	Conventional, FHA	5	0.3%	100%	$379,000
First Colony Mortgage Corporat	Conventional	5	0.3%	100%	$521,000
21St Mortgage	Conventional	5	0.3%	27.8%	$203,000
Better Mortgage Corporation	Conventional, HELOC	4 +2 HELOCs	0.3%	57.1%	$467,500
Originpoint, LLC	Conventional	4	0.3%	100%	$480,000
Sage Home Loans Corporation	Conventional	4	0.3%	83.3%	$705,000
Homeowners Financial Group, LLC	Conventional, FHA	4	0.3%	80%	$512,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	4	0.3%	100%	$725,000	View
Mutual of Omaha Mortgage	Conventional, FHA	4	0.3%	100%	$495,000
Tomo Mortgage LLC	Conventional	4	0.3%	100%	$680,000
Arc Home LLC	Conventional, Jumbo	3	0.2%	100%	$975,000
Nbkc Bank	Conventional, FHA	3	0.2%	100%	$558,333
Equity Prime Mortgage LLC	Conventional, FHA	3	0.2%	75%	$645,000
Discover Bank	Conventional	3	0.2%	21.4%	$85,000
Credit Human Federal Credit Un	Conventional	3	0.2%	42.9%	$215,000
Right Start Mortgage, Inc	Conventional, FHA	3	0.2%	100%	$611,666
Champions Funding, LLC	Conventional	3	0.2%	100%	$565,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	3	0.2%	100%	$548,333	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +12 HELOCs	0.1%	42.9%	$85,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$470,000	View
Premier Mortgage Resources, LLC	Conventional	2	0.1%	100%	$615,000
American Financial Resources LLC	Conventional	2	0.1%	100%	$480,000
Primelending	Conventional, FHA	2	0.1%	100%	$360,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0.1%	100%	$510,000	View
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$170,000
Oaktree Funding Corp	Conventional	2	0.1%	100%	$490,000
Planet Home Lending, LLC	Conventional, FHA	2	0.1%	50%	$780,000
BoxCar Mortgage, LLC	Conventional	2	0.1%	100%	$375,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$275,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.1%	100%	$510,000
Alliant Credit Union	Conventional, HELOC	1 +11 HELOCs	0.1%	100%	$655,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$35,000	View
Communityamerica Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$535,000	View
Panorama Mortgage Group, LLC	Conventional	1	0.1%	100%	$445,000
American Portfolio Mortgage Corporation	Conventional	1	0.1%	100%	$705,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$865,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$535,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$65,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$375,000
Success Lending, LLC	Conventional	1	0.1%	100%	$645,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$245,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$705,000
Dart Bank	Conventional	1	0.1%	100%	$705,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$205,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$595,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$655,000	View
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$1,115,000
Peak Residential Lending Inc	FHA	1	0.1%	100%	$635,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$155,000	View
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0.1%	100%	$675,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	1	0.1%	100%	$1,175,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	50%	$695,000	View
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$595,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$585,000
Village Bank & Trust, N.A. A+5.0 ★Texas Ratio: 1.60%	Conventional	1	0.1%	100%	$805,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$685,000	View
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional	1	0.1%	100%	$505,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$645,000	View
Saygo Home Loans, LLC	Conventional	1	0.1%	100%	$235,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$445,000	View
Self Help Federal Credit Union	Conventional	1	0.1%	100%	$405,000
Tjc Mortgage Inc	FHA	1	0.1%	100%	$785,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$395,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$965,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$505,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	100%	$385,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	VA	1	0.1%	100%	$705,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$285,000
Quorum Federal Credit Union	HELOC	0 +9 HELOCs	0%	100%
HomeBridge Financial Services, Inc	HELOC	0 +6 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Angel Oak Mortgage Solutions LLC	HELOC	0 +3 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Consolidated Community Credit	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Concord Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Concord, California

Looking for mortgage lenders near me or mortgage brokers near me in Concord? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Concord in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Concord, CA

Use these to narrow the list above. Each category shows how many Concord, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 126 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 43 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 47 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 25 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 8 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 96 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Concord, CA

Independent mortgage companies closed 77.8 percent of home loans in Concord, California in 2025, banks 13.2 percent and credit unions 9 percent. Land Home Financial Services, was the largest mortgage company, US Bank, N.A. the largest bank and Pacific Service Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 20 loans.

77.8%

Mortgage companies

13.2%

Banks

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Concord, CA

Who is the largest mortgage lender in Concord, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Concord, California with 32 loans, about 2.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Concord, CA have the highest approval rates?

Among lenders with meaningful volume in Concord, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 84.2 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.

Which Concord, CA mortgage lenders offer FHA, VA and USDA loans?

47 lenders closed FHA loans in Concord, California in 2025, led by United Wholesale Mortgage with 15. 25 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Concord, CA lender list?

Yes. 44 banks and 43 credit unions closed home loans in Concord, California in 2025, alongside 126 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.

How are mortgage lenders in Concord, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Concord, 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 Concord, 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 Concord. 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.