Mortgage Lenders and Brokers in Copperopolis, 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
Copperopolis, California mortgage lenders include Columbia BankColumbia Bank3505 Spangler Ln Ste 300, Copperopolis, CA 95228A+5.0 ★Texas Ratio: 2.28%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bank of StocktonBank of Stockton229 S Main St, Angels Camp, CA 95222A+5.0 ★Texas Ratio: 0.21%, Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Mirastar Federal Credit UnionMirastar Federal Credit Union1638 W Campbell Ave, Campbell, CA 95008A5.0 ★Texas Ratio: 6.21%, and Mission City Federal Credit UnionMission City Federal Credit Union1391 Franklin St, Santa Clara, CA 95050 4710A+5.0 ★Texas Ratio: 1.35%. 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 Copperopolis, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Copperopolis 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 Copperopolis, California
Market share is the lender's share of all home loans closed in Copperopolis, 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 Copperopolis 3505 Spangler Ln Ste 300, Copperopolis, CA 95228 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 3 +1 HELOCs |
2.2% | 100% | $448,333 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
2.2% | 100% | $558,333 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 3 | 2.2% | 75% | $688,333 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $290,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.5% | 100% | $460,000 | View |
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229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 1.5% | 100% | $425,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
Conventional | 1 | 0.7% | 100% | $35,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.7% | 100% | $655,000 | View |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional | 1 | 0.7% | 100% | $335,000 | View |
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1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.7% | 100% | $375,000 | View |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
Conventional | 1 | 0.7% | 100% | $685,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 50% | $235,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $75,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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Conventional, FHA | 5 | 3.7% | 100% | $331,000 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 3% | 66.7% | $285,000 | |
Generations Home Loans, LLC
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Conventional | 3 | 2.2% | 75% | $458,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 3 | 2.2% | 100% | $258,333 | |
American Pacific Mortgage Corporation
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Conventional | 3 | 2.2% | 100% | $311,666 | |
Summit Funding.Inc
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Conventional, VA | 3 | 2.2% | 100% | $678,333 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 2 | 1.5% | 100% | $1,150,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 1.5% | 100% | $195,000 | |
AmWest Funding Corp
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Conventional, FHA | 2 | 1.5% | 100% | $305,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $365,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.7% | 100% | $335,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.7% | 50% | $295,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.7% | 100% | $465,000 | View |
Residential First Capital
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Conventional, Jumbo | 1 | 0.7% | 100% | $805,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $335,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.7% | 100% | $385,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $415,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.7% | 100% | $425,000 | |
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 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, Jumbo | 24 | 17.8% | 78.1% | $366,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
13.3% | 90.5% | $447,777 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 5.2% | 100% | $397,857 | |
CrossCountry Mortgage, LLC
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Conventional | 4 | 3% | 100% | $350,000 | |
Newrez LLC
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Conventional | 3 | 2.2% | 100% | $318,333 | |
The Loan Store, Inc
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Conventional | 3 | 2.2% | 100% | $341,666 | |
Spring Eq, LLC
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Conventional | 3 | 2.2% | 60% | $85,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.5% | 100% | $310,000 | |
Originpoint, LLC
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Conventional | 1 | 0.7% | 100% | $715,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.7% | 100% | $495,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA | 1 | 0.7% | 100% | $365,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.7% | 100% | $295,000 | View |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.7% | 100% | $495,000 | |
Mutual of Omaha Mortgage
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VA, Jumbo | 1 | 0.7% | 100% | $815,000 | |
Texana Bank
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Conventional | 1 | 0.7% | 100% | $625,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Copperopolis 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 Copperopolis, California
Looking for mortgage lenders near me or mortgage brokers near me in Copperopolis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Copperopolis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Copperopolis, CA
Use these to narrow the list above. Each category shows how many Copperopolis, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Copperopolis, CA
Independent mortgage companies closed 81.5 percent of home loans in Copperopolis, California in 2025, banks 15.6 percent and credit unions 3 percent. New American Funding, LLC. was the largest mortgage company, Columbia Bank the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Bank of Stockton led with 2 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 Copperopolis, CA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Copperopolis, California with 3 loans, about 2.2 percent of the market. The largest lender headquartered in California was Bank of Stockton with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Copperopolis, California in 2025, led by Rocket Mortgage with 6. 6 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. 14 banks and 8 credit unions closed home loans in Copperopolis, California in 2025, alongside 38 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 Copperopolis, 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 Copperopolis, 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 Copperopolis. 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.
