Mortgage Lenders and Brokers in El Sobrante, 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
El Sobrante, California mortgage lenders include Mechanics BankMechanics Bank3884 San Pablo Dam Rd, El Sobrante, CA 94803A+5.0 ★Texas Ratio: 1.81%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, and Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%. 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 Sobrante, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in El Sobrante 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 Sobrante, California
Market share is the lender's share of all home loans closed in El Sobrante, 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 El Sobrante 3884 San Pablo Dam Rd, El Sobrante, CA 94803 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $175,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 4 | 3.4% | 100% | $387,500 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.6% | 100% | $531,666 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 3 | 2.6% | 100% | $678,333 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 2 | 1.7% | 100% | $375,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 25% | $505,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $95,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $275,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.9% | 100% | $665,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 1 | 0.9% | 100% | $585,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $255,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional | 1 | 0.9% | 33.3% | $555,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.9% | 100% | $545,000 | View |
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1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.9% | 100% | $315,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $55,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.9% | 100% | $525,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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Conventional, FHA | 3 | 2.6% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.7% | 100% | $575,000 | View |
Provident Funding Associates
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Conventional | 2 | 1.7% | 100% | $745,000 | |
The Police Credit Union of California
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Conventional | 2 | 1.7% | 100% | $395,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.9% | 50% | $195,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.9% | 100% | $545,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.9% | 100% | $205,000 | |
Bnb Financial Inc
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Conventional | 1 | 0.9% | 100% | $675,000 | |
Royal Pacific Funding
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FHA | 1 | 0.9% | 100% | $585,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $605,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.9% | 100% | $405,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Rocket Mortgage
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Conventional, FHA | 17 | 14.5% | 63% | $453,235 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 15 +3 HELOCs |
12.8% | 89.5% | $569,666 | |
Everett Financial, Inc.
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Conventional, FHA | 9 | 7.7% | 100% | $447,222 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 8 +2 HELOCs |
6.8% | 100% | $485,000 | |
Mortgage Research Center
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FHA, VA | 3 | 2.6% | 100% | $445,000 | |
Allied Mortgage Group, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.7% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.7% | 66.7% | $325,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 1.7% | 100% | $560,000 | |
New Day Financial, LLC.
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VA | 2 | 1.7% | 100% | $415,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 2 | 1.7% | 100% | $510,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $495,000 | |
Arc Home LLC
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Conventional | 1 | 0.9% | 100% | $545,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $625,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.9% | 50% | $315,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 100% | $105,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.9% | 100% | $785,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.9% | 100% | $765,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.9% | 50% | $705,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.9% | 100% | $55,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $45,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.9% | 100% | $135,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.9% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
El Sobrante 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 Sobrante, California
Looking for mortgage lenders near me or mortgage brokers near me in El Sobrante? The list below shows the banks, credit unions and mortgage brokers that closed home loans in El Sobrante in 2025, with lenders based there listed first.
Types of Mortgage Lenders in El Sobrante, CA
Use these to narrow the list above. Each category shows how many El Sobrante, CA lenders fit and what that kind of lender is usually best for.
Who Lends in El Sobrante, CA
Independent mortgage companies closed 78.6 percent of home loans in El Sobrante, California in 2025, banks 12 percent and credit unions 9.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Mechanics Bank the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Mechanics 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 El Sobrante, CA
By home loans closed in 2025, Mechanics Bank was the largest mortgage lender in El Sobrante, 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.
12 lenders closed FHA loans in El Sobrante, California in 2025, led by United Wholesale Mortgage with 2. 5 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. 16 banks and 11 credit unions closed home loans in El Sobrante, California in 2025, alongside 36 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 Sobrante, 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 Sobrante, 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 Sobrante. 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.
