Mortgage Lenders and Brokers in Fair Oaks, 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
Fair Oaks, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8859 Madison Ave, Fair Oaks, CA 95628A+5.0 ★Texas Ratio: 3.68%, Heritage Community Credit UnionHeritage Community Credit Union5329 Sunrise Blvd, Fair Oaks, CA 95628 3539A+5.0 ★Texas Ratio: 5.95%, US Bank, N.A.US Bank, N.A.5450 Dewey Dr, Fair Oaks, CA 95628A+5.0 ★Texas Ratio: 2.85%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, SAFE Credit UnionSAFE Credit Union5261 Hazel Ave, Fair Oaks, CA 95628A+5.0 ★Texas Ratio: 3.24%, 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 Fair Oaks, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fair Oaks 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 Fair Oaks, California
Market share is the lender's share of all home loans closed in Fair Oaks, 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 Fair Oaks 8859 Madison Ave, Fair Oaks, CA 95628 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 11 +3 HELOCs |
2% | 78.6% | $349,545 | View |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5450 Dewey Dr, Fair Oaks, CA 95628 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, Jumbo, HELOC | 16 +1 HELOCs |
3% | 76.2% | $516,250 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 8 +41 HELOCs |
1.5% | 61.5% | $353,750 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 7 +16 HELOCs |
1.3% | 100% | $112,142 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.7% | 80% | $345,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 4 | 0.7% | 100% | $337,500 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 3 | 0.6% | 75% | $401,666 | View |
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5261 Hazel Ave, Fair Oaks, CA 95628 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 2 +18 HELOCs |
0.4% | 100% | $35,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +5 HELOCs |
0.4% | 66.7% | $340,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 2 | 0.4% | 66.7% | $435,000 | View |
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8100 Madison Ave, Fair Oaks, CA 95628 3756 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 2 | 0.4% | 75% | $120,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 66.7% | $585,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $205,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $515,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 50% | $485,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 0.2% | 100% | $645,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 50% | $55,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 24 +1 HELOCs |
4.4% | 96% | $438,333 | |
Guild Mortgage Company
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Conventional, FHA, Jumbo | 19 | 3.5% | 95.7% | $485,526 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 18 | 3.3% | 94.7% | $458,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 17 | 3.1% | 77.3% | $465,588 | |
Kind Lending, LLC
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Conventional, FHA, Jumbo | 12 | 2.2% | 75% | $546,666 | |
Summit Funding.Inc
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Conventional | 8 | 1.5% | 100% | $397,500 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 6 | 1.1% | 100% | $471,666 | |
Provident Funding Associates
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Conventional | 5 | 0.9% | 85.7% | $471,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 4 | 0.7% | 100% | $517,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.7% | 100% | $425,000 | |
AmWest Funding Corp
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Conventional | 3 | 0.6% | 100% | $521,666 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 3 | 0.6% | 75% | $538,333 | |
Land Home Financial Services,
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Conventional, VA | 3 | 0.6% | 100% | $498,333 | |
Generations Home Loans, LLC
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Conventional | 3 | 0.6% | 100% | $551,666 | |
New American Funding, LLC.
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 50% | $735,000 | |
Goodleap, LLC
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Conventional | 2 | 0.4% | 100% | $455,000 | |
Catalyst Mortgage
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Conventional | 2 | 0.4% | 40% | $400,000 | |
Googain, Inc.
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Conventional | 2 | 0.4% | 100% | $555,000 | |
Royal Pacific Funding
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Conventional, VA | 2 | 0.4% | 100% | $440,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.4% | 100% | $465,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.4% | 100% | $175,000 | |
Carrington Mortgage Services LLC
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VA, Jumbo | 2 | 0.4% | 57.1% | $710,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $665,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.2% | 100% | $755,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $655,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.2% | 100% | $225,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Linked Home Loans, LLC dba Home Guide Mortgage
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,125,000 | |
Greenbox Loans
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Conventional | 1 | 0.2% | 100% | $635,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.2% | 33.3% | $155,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.2% | 100% | $785,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $615,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 118 +5 HELOCs |
21.8% | 89.6% | $532,203 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 74 | 13.7% | 88.2% | $437,972 | |
The Loan Store, Inc
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Conventional, HELOC | 23 +6 HELOCs |
4.2% | 100% | $510,652 | |
Nationstar Mortgage
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Conventional, FHA | 9 | 1.7% | 81.8% | $377,222 | |
Spring Eq, LLC
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Conventional, HELOC | 7 +2 HELOCs |
1.3% | 72.7% | $109,285 | |
Canopy Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 1.3% | 100% | $583,571 | |
Newrez LLC
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Conventional, FHA | 7 | 1.3% | 77.8% | $419,285 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 5 | 0.9% | 85.7% | $223,000 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 4 +1 HELOCs |
0.7% | 100% | $520,000 | |
Sage Home Loans Corporation
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Conventional | 4 | 0.7% | 100% | $392,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 0.7% | 100% | $445,000 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 0.6% | 100% | $515,000 | |
Data Mortgage, Inc
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Conventional | 3 | 0.6% | 100% | $248,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 3 | 0.6% | 100% | $378,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 2 | 0.4% | 100% | $780,000 | View |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.4% | 100% | $455,000 | |
Go Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $360,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $340,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.4% | 25% | $335,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 66.7% | $460,000 | |
Mortgage Research Center
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VA | 2 | 0.4% | 100% | $565,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 0.4% | 100% | $630,000 | |
Flyhomes Mortgage LLC
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Conventional | 2 | 0.4% | 100% | $450,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $135,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 100% | $385,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $515,000 | View |
Discover Bank
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Conventional | 1 | 0.2% | 16.7% | $55,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $785,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Deseret First Credit Union
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Credence Funding Corporation
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VA | 1 | 0.2% | 100% | $465,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 50% | $285,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $495,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.2% | 100% | $395,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
Toyota Financial Savings Bank
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Conventional | 1 | 0.2% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 0.2% | 100% | $305,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Oaktree Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fair Oaks 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 Fair Oaks, California
Looking for mortgage lenders near me or mortgage brokers near me in Fair Oaks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fair Oaks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fair Oaks, CA
Use these to narrow the list above. Each category shows how many Fair Oaks, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Fair Oaks, CA
Independent mortgage companies closed 85.4 percent of home loans in Fair Oaks, California in 2025, banks 9.6 percent and credit unions 5 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Heritage Community Credit Union the largest credit union. Among lenders headquartered in California, Heritage Community Credit Union led with 0 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 Fair Oaks, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Fair Oaks, California with 11 loans, about 2 percent of the market. The largest lender headquartered in California was Heritage Community Credit Union with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fair Oaks, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.6 percent, against a 85.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Fair Oaks, California in 2025, led by United Wholesale Mortgage with 11. 18 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. 26 banks and 19 credit unions closed home loans in Fair Oaks, California in 2025, alongside 77 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 Fair Oaks, 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 Fair Oaks, 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 Fair Oaks. 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.
