Mortgage Lenders and Brokers in El Cerrito, 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
El Cerrito, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9950 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA10422 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA3030 El Cerrito Plz, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.11450 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 2.85%, Mechanics BankMechanics Bank9996 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 1.81%, Wells Fargo Bank NAWells Fargo Bank NA9800 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA11100 San Pablo Ave, El Cerrito, CA 94530A+5.0 ★Texas Ratio: 3.54%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, and Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%. 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 El Cerrito, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in El Cerrito 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 El Cerrito, California
Market share is the lender's share of all home loans closed in El Cerrito, 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 El Cerrito 9950 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 12 +3 HELOCs |
4.4% | 85.7% | $696,666 | View |
|
1 office in El Cerrito 10422 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 9 +11 HELOCs |
3.3% | 100% | $980,555 | View |
|
1 office in El Cerrito 3030 El Cerrito Plz, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 7 | 2.6% | 100% | $775,000 | View |
|
1 office in El Cerrito 11450 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +2 HELOCs |
1.5% | 100% | $700,000 | View |
|
1 office in El Cerrito 9996 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 3 +5 HELOCs |
1.1% | 100% | $668,333 | View |
|
1 office in El Cerrito 9800 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 1.1% | 100% | $975,000 | View |
|
1 office in El Cerrito 11100 San Pablo Ave, El Cerrito, CA 94530 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.4% | 100% | $1,795,000 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 3 +5 HELOCs |
1.1% | 75% | $755,000 | View |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +6 HELOCs |
0.7% | 66.7% | $395,000 | View |
|
31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $970,000 | View |
|
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $715,000 | View |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $725,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.7% | 100% | $190,000 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 1 +5 HELOCs |
0.4% | 50% | $1,315,000 | View |
|
9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,375,000 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 100% | $705,000 | View |
|
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.4% | 100% | $785,000 | View |
|
901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.4% | 100% | $555,000 | View |
|
5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
|
7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,255,000 | View |
|
1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.4% | 100% | $845,000 | View |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
|
2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +6 HELOCs |
0% | 0% | View | |
|
2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Sea West Coast Gurad FCU
Coast Guard Island, Alameda, CA 94501 5100 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Pennymac Loan Services LLC
|
Conventional | 10 | 3.7% | 100% | $931,000 | |
Nmsi, Inc.
|
Conventional | 4 | 1.5% | 100% | $772,500 | |
American Pacific Mortgage Corporation
|
Conventional | 3 | 1.1% | 100% | $931,666 | |
loanDepot.com LLC
|
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $375,000 | |
Kind Lending, LLC
|
Conventional | 2 | 0.7% | 100% | $165,000 | |
AmWest Funding Corp
|
Conventional | 2 | 0.7% | 100% | $695,000 | |
New Wave Lending Group Inc
|
Conventional | 2 | 0.7% | 100% | $780,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 2 | 0.7% | 100% | $660,000 | |
New American Funding, LLC.
|
Conventional | 2 | 0.7% | 100% | $915,000 | |
Alameda Mortgage Corporation
|
Conventional | 1 | 0.4% | 100% | $185,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.4% | 50% | $905,000 | View |
Bay-Valley Mortgage Group
|
Conventional | 1 | 0.4% | 100% | $905,000 | |
Victoria Financial Corp
|
Conventional | 1 | 0.4% | 100% | $285,000 | |
American Internet Mortgage, Inc.
|
Conventional | 1 | 0.4% | 100% | $625,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.4% | 100% | $375,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.4% | 100% | $405,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.4% | 100% | $755,000 | |
JMAC Lending, Inc.
|
Conventional | 1 | 0.4% | 100% | $335,000 | |
United Wholesale Mortgage
|
Conventional, VA, Jumbo, HELOC | 40 +2 HELOCs |
14.8% | 93% | $766,500 | |
Rocket Mortgage
|
Conventional, Jumbo | 38 | 14% | 86.4% | $523,157 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, Jumbo, HELOC | 33 +1 HELOCs |
12.2% | 100% | $796,818 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 14 +2 HELOCs |
5.2% | 100% | $950,000 | View |
Vellum Mortgage, Inc.
|
Conventional, Jumbo | 11 | 4.1% | 100% | $725,909 | |
Guaranteed Rate, Inc.
|
Conventional, Jumbo | 7 | 2.6% | 100% | $917,857 | |
The Loan Store, Inc
|
Conventional | 6 | 2.2% | 100% | $631,666 | |
Guaranteed Rate Affinity, LLC
|
Conventional, Jumbo | 3 | 1.1% | 100% | $928,333 | |
Nationstar Mortgage
|
Conventional | 3 | 1.1% | 100% | $135,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.7% | 100% | $1,190,000 | View |
Freedom Mortgage Corporation
|
Conventional, FHA | 2 | 0.7% | 100% | $600,000 | |
Spring Eq, LLC
|
Conventional | 2 | 0.7% | 25% | $190,000 | |
Alliant Credit Union
|
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $495,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $945,000 | |
Newrez LLC
|
Conventional | 1 | 0.4% | 50% | $305,000 | |
Nbkc Bank
|
Conventional | 1 | 0.4% | 100% | $805,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.4% | 100% | $875,000 | |
Homeowners Financial Group, LLC
|
Conventional, Jumbo | 1 | 0.4% | 100% | $1,965,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
|
A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.4% | 100% | $905,000 | View |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 0.4% | 50% | $1,495,000 | View |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.4% | 100% | $365,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,685,000 | View |
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
State Departmenet Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
El Cerrito 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 El Cerrito, California
Looking for mortgage lenders near me or mortgage brokers near me in El Cerrito? The list below shows the banks, credit unions and mortgage brokers that closed home loans in El Cerrito in 2025, with lenders based there listed first.
Types of Mortgage Lenders in El Cerrito, CA
Use these to narrow the list above. Each category shows how many El Cerrito, CA lenders fit and what that kind of lender is usually best for.
Who Lends in El Cerrito, CA
Independent mortgage companies closed 74.2 percent of home loans in El Cerrito, California in 2025, banks 21 percent and credit unions 4.8 percent. Pennymac Loan Services LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 9 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 El Cerrito, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in El Cerrito, California with 12 loans, about 4.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in El Cerrito, California in 2025, led by CrossCountry Mortgage, LLC with 1. 1 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. 27 banks and 21 credit unions closed home loans in El Cerrito, California in 2025, alongside 35 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 El Cerrito, 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 El Cerrito, 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 El Cerrito. 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.
