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 Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Nuvision Federal Credit UnionNuvision Federal Credit Union3015 San Pablo Ave, Berkeley, CA 94702A+5.0 ★Texas Ratio: 3.84%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, Altura Credit UnionAltura Credit Union300 S Highland Springs Ave, Banning, CA 92220 6504A+5.0 ★Texas Ratio: 3.54%, and Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%. 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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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 14 +18 HELOCs |
8.1% | 100% | $209,285 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +1 HELOCs |
2.3% | 44.4% | $345,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.7% | 100% | $588,333 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 3 | 1.7% | 100% | $611,666 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.2% | 66.7% | $205,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $525,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $265,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.6% | 100% | $695,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.6% | 100% | $895,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.6% | 100% | $655,000 | 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 +4 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 +2 HELOCs |
0% | n/a | View | |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 9 | 5.2% | 81.8% | $519,444 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 6 +2 HELOCs |
3.5% | 100% | $465,000 | |
Flexpoint, Inc.
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Conventional, Jumbo | 4 | 2.3% | 100% | $750,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 3 | 1.7% | 100% | $575,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 3 | 1.7% | 42.9% | $561,666 | |
Kind Lending, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 66.7% | $700,000 | |
New American Funding, LLC.
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $315,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 2 | 1.2% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 2 | 1.2% | 60% | $390,000 | View |
Bay-Valley Mortgage Group
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Conventional | 2 | 1.2% | 100% | $635,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 2 | 1.2% | 100% | $825,000 | |
ML Mortgage Corp.
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Conventional, Jumbo | 1 | 0.6% | 100% | $2,245,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $585,000 | |
Residential Wholesale Mortgage
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VA, Jumbo | 1 | 0.6% | 100% | $935,000 | |
Fundloans Capital
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Conventional | 1 | 0.6% | 100% | $515,000 | |
Pacific Lending LLC
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Conventional | 1 | 0.6% | 100% | $355,000 | |
Golden Empire Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $675,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.6% | 100% | $645,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.6% | 100% | $155,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,005,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,105,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.6% | 100% | $565,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.6% | 100% | $485,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.6% | 100% | $475,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $805,000 | |
JSB Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $345,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $725,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $665,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 1 | 0.6% | 100% | $885,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 25 +5 HELOCs |
14.5% | 84.4% | $734,600 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 22 | 12.8% | 81.5% | $444,090 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 4 | 2.3% | 100% | $690,000 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 3 | 1.7% | 75% | $835,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 4.65% |
Conventional | 2 | 1.2% | 100% | $430,000 | View |
Newrez LLC
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Conventional | 2 | 1.2% | 66.7% | $90,000 | |
The Loan Store, Inc
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Conventional, Jumbo | 2 | 1.2% | 100% | $755,000 | |
Luxury Mortgage Corp.
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Conventional, Jumbo | 2 | 1.2% | 100% | $995,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +2 HELOCs |
0.6% | 100% | $675,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $205,000 | View |
Georgia'S Own Credit Union
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Conventional | 1 | 0.6% | 100% | $785,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.6% | 100% | $695,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.6% | 100% | $725,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $405,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.6% | 100% | $675,000 | |
Peoples Mortgage Company
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FHA | 1 | 0.6% | 100% | $645,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.6% | 100% | $735,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.6% | 100% | $685,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 50% | $65,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 100% | $635,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.6% | 100% | $605,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.6% | 100% | $685,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.6% | 100% | $805,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
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 76.7 percent of home loans in El Sobrante, California in 2025, banks 11 percent and credit unions 12.2 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 14 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, Schoolsfirst FCU was the largest mortgage lender in El Sobrante, California with 14 loans, about 8.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in El Sobrante, California in 2025, led by United Wholesale Mortgage with 4. 7 lenders closed VA loans, led by Pennymac Loan Services LLC. 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 16 credit unions closed home loans in El Sobrante, California in 2025, alongside 55 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.
