Mortgage Lenders and Brokers in Emerald Lake Hills, 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
Emerald Lake Hills, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, 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%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, and Monterra Credit UnionMonterra Credit Union415 Westlake Ctr, Daly City, CA 94015 1432A+5.0 ★Texas Ratio: 2.93%. 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 Emerald Lake Hills, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Emerald Lake Hills 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 Emerald Lake Hills, California
Market share is the lender's share of all home loans closed in Emerald Lake Hills, 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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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 15 | 18.8% | 100% | $1,954,333 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 8 +3 HELOCs |
10% | 100% | $1,575,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 8 | 10% | 100% | $1,908,750 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 7.5% | 100% | $2,303,333 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 3 | 3.8% | 100% | $2,185,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
2.5% | 100% | $2,140,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
2.5% | 100% | $1,840,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1.2% | 100% | $1,785,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
1.2% | 100% | $895,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.2% | 100% | $2,065,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.2% | 100% | $1,305,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,505,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,005,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 1.2% | 100% | $845,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,805,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.2% | 100% | $305,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 1.2% | 100% | $995,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,845,000 | View |
New Wave Lending Group Inc
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,505,000 | |
Calcon Mutual Mortgage LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,385,000 | |
Provident Funding Associates
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Conventional | 1 | 1.2% | 100% | $645,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 1.2% | 100% | $255,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,595,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,005,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,665,000 | |
Rocket Mortgage
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Conventional, Jumbo | 5 | 6.2% | 83.3% | $999,000 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 3.8% | 100% | $791,666 | |
United Wholesale Mortgage
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Conventional, Jumbo | 2 | 2.5% | 100% | $1,485,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 2.5% | 100% | $2,115,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,255,000 | View |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,265,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 1.2% | 100% | $505,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 1.2% | 100% | $1,125,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,905,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.2% | 100% | $595,000 | View |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Emerald Lake Hills 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 Emerald Lake Hills, California
Looking for mortgage lenders near me or mortgage brokers near me in Emerald Lake Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Emerald Lake Hills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Emerald Lake Hills, CA
Use these to narrow the list above. Each category shows how many Emerald Lake Hills, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Emerald Lake Hills, CA
Independent mortgage companies closed 27.5 percent of home loans in Emerald Lake Hills, California in 2025, banks 66.2 percent and credit unions 6.2 percent. Cornerstone First Mortgage, LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and Stanford Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 8 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 Emerald Lake Hills, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Emerald Lake Hills, California with 15 loans, about 18.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 8 credit unions closed home loans in Emerald Lake Hills, California in 2025, alongside 16 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 Emerald Lake Hills, 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 Emerald Lake Hills, 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 Emerald Lake Hills. 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.
