Mortgage Lenders and Brokers in Cotati, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Cotati, California mortgage lenders include Exchange BankExchange Bank590 A East Cotati Avenue, Cotati, CA 94931A+5.0 ★Texas Ratio: 4.05%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, 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%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bank of MarinBank of Marin2208 S Shore Ctr, Alameda, CA 94501A+5.0 ★Texas Ratio: 2.03%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, and Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%. 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 Cotati, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cotati 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 Cotati, California
Market share is the lender's share of all home loans closed in Cotati, 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 |
|---|---|---|---|---|---|---|
|
1 office in Cotati 590 A East Cotati Avenue, Cotati, CA 94931 A+5.0 ★Texas Ratio: 4.05% |
Conventional | 1 | 0.9% | 100% | $35,000 | View |
|
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 13 +18 HELOCs |
11.4% | 87.5% | $229,615 | View |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 3.5% | 100% | $427,500 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 3 | 2.6% | 100% | $651,666 | |
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 100% | $100,000 | View |
|
3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.9% | 100% | $875,000 | View |
|
5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $585,000 | View |
|
★ 2 stars, 1 review 2208 S Shore Ctr, Alameda, CA 94501 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.9% | 100% | $155,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
|
Conventional, FHA | 5 | 4.4% | 100% | $299,000 | |
Ahl Funding
|
Conventional, FHA, Jumbo | 4 | 3.5% | 100% | $797,500 | |
Kind Lending, LLC
|
Conventional | 2 | 1.8% | 100% | $360,000 | |
Pennymac Loan Services LLC
|
Conventional, Jumbo | 2 | 1.8% | 66.7% | $625,000 | |
New American Funding, LLC.
|
Conventional | 2 | 1.8% | 100% | $490,000 | |
MortgageOne, Inc
|
Conventional | 1 | 0.9% | 100% | $215,000 | |
Resicentral LLC
|
Conventional | 1 | 0.9% | 100% | $615,000 | |
loanDepot.com LLC
|
Conventional | 1 | 0.9% | 100% | $225,000 | |
AmWest Funding Corp
|
Conventional | 1 | 0.9% | 100% | $115,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.9% | 50% | $585,000 | View |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $695,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.9% | 100% | $305,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $535,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, VA | 15 | 13.2% | 88.9% | $451,000 | |
United Wholesale Mortgage
|
Conventional, FHA | 13 | 11.4% | 100% | $469,615 | |
CrossCountry Mortgage, LLC
|
Conventional, Jumbo | 10 | 8.8% | 100% | $562,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 4 | 3.5% | 100% | $502,500 | View |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 3 | 2.6% | 100% | $321,666 | |
Spring Eq, LLC
|
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 66.7% | $235,000 | |
Newrez LLC
|
Conventional, Jumbo | 2 | 1.8% | 100% | $645,000 | |
First Colony Mortgage Corporat
|
Conventional, FHA | 2 | 1.8% | 100% | $460,000 | |
Premier Lending Inc.
|
Conventional | 2 | 1.8% | 100% | $385,000 | |
Guaranteed Rate, Inc.
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $1,325,000 | |
Everett Financial, Inc.
|
Conventional | 1 | 0.9% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.9% | 20% | $535,000 | |
Freedom Mortgage Corporation
|
Conventional | 1 | 0.9% | 100% | $545,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.9% | 100% | $215,000 | |
Movement Mortgage, LLC
|
Conventional | 1 | 0.9% | 100% | $525,000 | |
Securitynational Mortgage Company
|
Conventional | 1 | 0.9% | 100% | $505,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.9% | 100% | $505,000 | |
Nationstar Mortgage
|
Conventional | 1 | 0.9% | 100% | $195,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.9% | 100% | $585,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.9% | 100% | $465,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cotati 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 Cotati, California
Looking for mortgage lenders near me or mortgage brokers near me in Cotati? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cotati in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cotati, CA
Use these to narrow the list above. Each category shows how many Cotati, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Cotati, CA
Independent mortgage companies closed 75.4 percent of home loans in Cotati, California in 2025, banks 13.2 percent and credit unions 11.4 percent. Synergy One Lending, Inc. was the largest mortgage company, Exchange Bank the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Exchange Bank led with 1 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 Cotati, CA
By home loans closed in 2025, Exchange Bank was the largest mortgage lender in Cotati, California with 1 loans, about 0.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Cotati, California in 2025, led by Ahl Funding with 2. 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 6 credit unions closed home loans in Cotati, California in 2025, alongside 34 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 Cotati, 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 Cotati, 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 Cotati. 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.
