☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Fairfield

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Fairfield, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Fairfield, California mortgage lenders include US Bank, N.A.US Bank, N.A.1307 Travis Blvd, Fairfield, CA 94533A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1845 N Texas St, Fairfield, CA 94533A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2401 Waterman Blvd, Fairfield, CA 94534A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA5117 Business Center Dr, Fairfield, CA 94534A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA1300 Oliver Rd, Fairfield, CA 94534A+5.0 ★Texas Ratio: 3.54%, First Northern Bank of DixonFirst Northern Bank of Dixon1455 Oliver Rd, Fairfield, CA 94534A+5.0 ★Texas Ratio: 2.69%, Bank of StocktonBank of Stockton2407 Waterman Blvd, Fairfield, CA 94534A+5.0 ★Texas Ratio: 0.21%, Travis Credit UnionTravis Credit Union2570 N Texas St, Fairfield, CA 94533A+5.0 ★Texas Ratio: 4.51%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, and Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%. 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 Fairfield, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fairfield 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 Fairfield, California

Market share is the lender's share of all home loans closed in Fairfield, 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
US Bank, N.A. 1 office in Fairfield 1307 Travis Blvd, Fairfield, CA 94533 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	17 +6 HELOCs	1%	77.3%	$390,294	View
JPMorgan Chase Bank, NA 3 offices in Fairfield 1845 N Texas St, Fairfield, CA 94533 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	14 +3 HELOCs	0.8%	77.8%	$464,285	View
Wells Fargo Bank NA 2 offices in Fairfield 2401 Waterman Blvd, Fairfield, CA 94534 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	10	0.6%	71.4%	$436,000	View
Bank of America NA 1 office in Fairfield 5117 Business Center Dr, Fairfield, CA 94534 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	8 +37 HELOCs	0.5%	88.9%	$530,000	View
BMO Harris Bank NA 1 office in Fairfield 1300 Oliver Rd, Fairfield, CA 94534 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	4 +8 HELOCs	0.2%	57.1%	$147,500	View
First Northern Bank of Dixon 1 office in Fairfield 1455 Oliver Rd, Fairfield, CA 94534 A+5.0 ★Texas Ratio: 2.69%	Conventional	1	0.1%	100%	$505,000	View
Bank of Stockton 1 office in Fairfield 2407 Waterman Blvd, Fairfield, CA 94534 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	50%	$65,000	View
Travis Credit Union 2570 N Texas St, Fairfield, CA 94533 A+5.0 ★Texas Ratio: 4.51%	Conventional, FHA, VA, Jumbo, HELOC	82 +15 HELOCs	4.9%	84.7%	$223,170	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	11	0.7%	100%	$556,818	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	10 +9 HELOCs	0.6%	78.6%	$238,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	10	0.6%	91.7%	$483,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	10	0.6%	78.6%	$177,000	View
The Golden 1 Credit Union 1380 Holiday Ln Ste D, Fairfield, CA 94534 3411 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, HELOC	8 +22 HELOCs	0.5%	88.9%	$256,250	View
Patelco Credit Union 3101 Travis Blvd Ste A, Fairfield, CA 94534 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	7 +16 HELOCs	0.4%	87.5%	$100,714	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, Jumbo, HELOC	7 +2 HELOCs	0.4%	50%	$590,714	View
Valley Strong Credit Union 3330 N Texas St, Fairfield, CA 94533 9808 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	4 +19 HELOCs	0.2%	66.7%	$110,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$398,333	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$1,220,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.1%	100%	$95,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	2	0.1%	100%	$465,000	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	2	0.1%	100%	$250,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional	2	0.1%	100%	$300,000	View
Citizens National Bank of Texas 3080 N Lake Blvd, Tahoe City, CA 96145 A5.0 ★Texas Ratio: 12.03%	Conventional	2	0.1%	100%	$655,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.1%	100%	$50,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	2	0.1%	66.7%	$430,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$525,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$545,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$465,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$605,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$305,000	View
Sesloc Credit Union 1399 E Grand Ave, Arroyo Grande, CA 93420 2421	Conventional	1	0.1%	100%	$665,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$145,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	50%	$525,000
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	50%	$595,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$95,000	View
San Joaquin Power Employees Credit Union 1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17%	Conventional	1	0.1%	100%	$515,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0.1%	100%	$85,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	1	0.1%	100%	$255,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$555,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$55,000	View
Community First Credit Union 14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05%	Conventional	1	0.1%	100%	$135,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0.1%	50%	$555,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$535,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +6 HELOCs	0%	0%		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	0%		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +2 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	0%		View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	0%		View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	106 +1 HELOCs	6.3%	86.9%	$511,509
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	41	2.4%	72.6%	$470,853
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	29 +4 HELOCs	1.7%	85.3%	$509,137
Kind Lending, LLC	Conventional, FHA, VA	28	1.7%	93.3%	$450,714
Guild Mortgage Company	Conventional, FHA, VA	26	1.6%	100%	$339,230
American Pacific Mortgage Corporation	Conventional, FHA, VA	20	1.2%	90.9%	$522,500
Paramount Residential Mortgage	Conventional, FHA	13	0.8%	92.9%	$395,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	7	0.4%	87.5%	$509,285
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, HELOC	6 +1 HELOCs	0.4%	75%	$448,333	View
Mason-McDuffie Mortgage Corporation	Conventional, FHA, HELOC	6 +1 HELOCs	0.4%	85.7%	$385,000
Alameda Mortgage Corporation	Conventional, FHA	6	0.4%	100%	$490,000
Nmsi, Inc.	Conventional	6	0.4%	100%	$370,000
ClearEdge Lending LLC	Conventional	5	0.3%	83.3%	$225,000
JMAC Lending, Inc.	Conventional, FHA, Jumbo	5	0.3%	100%	$651,000
Residential Wholesale Mortgage	Conventional, FHA	4	0.2%	100%	$442,500
American Financial Network, Inc.	Conventional, FHA, VA	4	0.2%	100%	$575,000
Googain, Inc.	Conventional	4	0.2%	100%	$435,000
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$398,333
Flexpoint, Inc.	Conventional, FHA, VA	3	0.2%	75%	$441,666
Land Home Financial Services,	Conventional	3	0.2%	83.3%	$595,000
Provident Funding Associates	Conventional	3	0.2%	60%	$421,666
Hometown Equity Mortgage, LLC	Conventional	3	0.2%	75%	$271,666
Citadel Servicing Corporation	Conventional	3	0.2%	100%	$441,666
Carrington Mortgage Services LLC	Conventional, FHA	3	0.2%	18.2%	$421,666
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$430,000
Infinity Equity Group, Inc.	Conventional, FHA	2	0.1%	100%	$400,000
AmeriHome Mortgage Company, LLC	VA	2	0.1%	66.7%	$540,000
Resicentral LLC	Conventional	2	0.1%	100%	$650,000
HomeXpress Mortgage Corp.	Conventional, FHA	2	0.1%	50%	$655,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$410,000
American Heritage Lending, LLC	Conventional, Jumbo	2	0.1%	100%	$920,000
Intelliloan, Inc.	Conventional	2	0.1%	100%	$390,000
Franklin Loan Corporation	Conventional	2	0.1%	100%	$370,000
Zillow Home Loans, LLC	Conventional	2	0.1%	100%	$405,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$245,000
Vista Point Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$845,000
AmWest Funding Corp	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$845,000
Financial Partners Credit Unio	Conventional	1	0.1%	100%	$475,000
ML Mortgage Corp.	VA	1	0.1%	100%	$645,000
MortgageOne, Inc	FHA	1	0.1%	100%	$495,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$135,000
AdvantageFirst Lending Inc	VA	1	0.1%	25%	$615,000
PFN Lending Group, Inc.	Conventional, Jumbo	1	0.1%	50%	$1,135,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$375,000
Network Capital Funding Corporation	FHA	1	0.1%	20%	$455,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$545,000
Stg Mortgage Inc	Conventional	1	0.1%	75%	$625,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$105,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$965,000
Operating Engineers Federal Credit Union	Conventional	1	0.1%	33.3%	$55,000
Figure Lending LLC	HELOC	0 +20 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +4 HELOCs	0%	33.3%
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	226 +20 HELOCs	13.5%	87.3%	$533,716
Rocket Mortgage	Conventional, FHA, VA, Jumbo	215	12.8%	81.2%	$348,534
Lennar Mortgage, LLC	Conventional, FHA, VA	57	3.4%	90.5%	$569,912
Newrez LLC	Conventional, FHA, VA, Jumbo	51	3%	69.3%	$493,823
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	40	2.4%	97.6%	$584,250
Tri Pointe Connect, LLC	Conventional, FHA, VA, Jumbo	34	2%	90.5%	$690,294
The Loan Store, Inc	Conventional, FHA, VA, HELOC	30 +11 HELOCs	1.8%	96.8%	$546,666
Spring Eq, LLC	Conventional, HELOC	30 +8 HELOCs	1.8%	45.1%	$120,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	27 +5 HELOCs	1.6%	100%	$445,370	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	27 +3 HELOCs	1.6%	93.1%	$509,444
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	21	1.3%	86.1%	$528,333
Nationstar Mortgage	Conventional, VA	21	1.3%	71.9%	$206,428
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +15 HELOCs	1%	63%	$339,117
Everett Financial, Inc.	Conventional, FHA	16	1%	100%	$400,625
Better Mortgage Corporation	Conventional, FHA, HELOC	14 +2 HELOCs	0.8%	87.5%	$379,285
Mortgage Research Center	FHA, VA	13	0.8%	52%	$549,615
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	12	0.7%	40.9%	$388,333
Vellum Mortgage, Inc.	Conventional, FHA	12	0.7%	100%	$363,333
Discover Bank	Conventional	10	0.6%	42.3%	$115,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	10	0.6%	100%	$465,000
DHI Mortgage Company, LTD.	Conventional, FHA	9	0.5%	100%	$575,000
Union Home Mortgage Corp.	Conventional, FHA, VA	8	0.5%	100%	$495,000
Primary Residential Mortgage, INC.	Conventional	7	0.4%	100%	$377,857
Equity Prime Mortgage LLC	Conventional, FHA, VA	6	0.4%	75%	$426,666
Amerisave Mortgage Company	Conventional, FHA	6	0.4%	25%	$233,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	6	0.4%	87.5%	$455,000	View
Fairway Independent Mort Corp	Conventional, FHA	6	0.4%	100%	$446,666
NOVA Financial & Investment Corporation	Conventional, FHA, VA	5	0.3%	83.3%	$537,000
Homeowners Financial Group, LLC	Conventional, FHA	5	0.3%	100%	$479,000
Click n' Close, Inc.	Conventional, FHA	4	0.2%	83.3%	$280,000
Geneva Financial LLC	Conventional, FHA	4	0.2%	100%	$472,500
New Day Financial, LLC.	VA	4	0.2%	40%	$467,500
Self Help Federal Credit Union	Conventional	4	0.2%	80%	$380,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.2%	100%	$625,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	4	0.2%	100%	$462,500	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.2%	100%	$478,333	View
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$518,333
Envoy Mortgage, Ltd	Conventional, FHA	3	0.2%	100%	$451,666
Loanunited.Com, LLC	VA	3	0.2%	100%	$515,000
Ameritrust Mortgage Corporation	Conventional	3	0.2%	100%	$351,666
Planet Home Lending, LLC	FHA, VA, Jumbo	3	0.2%	60%	$648,333
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA, VA	3	0.2%	100%	$658,333	View
Right Start Mortgage, Inc	Conventional, FHA	3	0.2%	100%	$305,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	3	0.2%	100%	$701,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.2%	100%	$325,000	View
Leaderone Financial Corp.	Conventional, FHA	3	0.2%	100%	$408,333
Village Capital & Investment	VA, Jumbo	3	0.2%	66.7%	$811,666
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.1%	100%	$355,000
Guaranteed Rate Affinity, LLC	Conventional, VA	2	0.1%	100%	$420,000
Success Lending, LLC	Conventional, FHA	2	0.1%	66.7%	$405,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.1%	100%	$400,000
Allied Mortgage Group, Inc	Conventional	2	0.1%	100%	$215,000
Triad Financial Services, Inc.	Conventional	2	0.1%	100%	$125,000
First Colony Mortgage Corporat	Conventional, VA	2	0.1%	100%	$510,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	66.7%	$595,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	2	0.1%	100%	$380,000	View
Digital Federal Credit Union	Conventional	2	0.1%	100%	$380,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	2	0.1%	100%	$425,000	View
Champions Funding, LLC	Conventional, Jumbo	2	0.1%	33.3%	$760,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$415,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,575,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	20%	$605,000
Mutual of Omaha Mortgage	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$325,000
Arc Home LLC	Conventional, Jumbo	1	0.1%	100%	$1,405,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$105,000
Originpoint, LLC	FHA	1	0.1%	100%	$505,000
Primelending	Conventional	1	0.1%	100%	$385,000
Canopy Mortgage, LLC	VA	1	0.1%	100%	$555,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.1%	100%	$555,000	View
Go Mortgage, LLC	VA	1	0.1%	100%	$335,000
Nbkc Bank	VA	1	0.1%	100%	$645,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$255,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$75,000
Obsidian Financial Services	Conventional	1	0.1%	100%	$325,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$535,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$355,000
Intercap Lending Inc	FHA	1	0.1%	100%	$475,000
American Financing Corporation	FHA	1	0.1%	25%	$575,000
Strong Home Mortgage, LLC	FHA	1	0.1%	100%	$505,000
Total Mortgage Services, LLC	FHA	1	0.1%	100%	$455,000
Boeing Employees' Credit Union	Conventional	1	0.1%	100%	$685,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$805,000
Nations Lending Corporation	FHA	1	0.1%	100%	$655,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$425,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$415,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$615,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	20%	$155,000
Texana Bank	FHA	1	0.1%	100%	$265,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$605,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$805,000	View
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$805,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +24 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +6 HELOCs	0%	0%		View
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	100%
Valon Mortgage	HELOC	0 +2 HELOCs	0%	0%
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Comerica Bank 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
Movement Mortgage, LLC	HELOC	0 +1 HELOCs	0%	n/a
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Lower, LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Fairfield Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Fairfield, California

Looking for mortgage lenders near me or mortgage brokers near me in Fairfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fairfield in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Fairfield, CA

Use these to narrow the list above. Each category shows how many Fairfield, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 126 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 41 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 69 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 49 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 33 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 92 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Fairfield, CA

Independent mortgage companies closed 82.6 percent of home loans in Fairfield, California in 2025, banks 7.6 percent and credit unions 9.8 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Travis Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 8 loans.

82.6%

Mortgage companies

7.6%

Banks

9.8%

Credit unions

16%

FHA loans

13%

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Fairfield, CA

Who is the largest mortgage lender in Fairfield, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Fairfield, California with 17 loans, about 1 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.

Which mortgage lenders in Fairfield, CA have the highest approval rates?

Among lenders with meaningful volume in Fairfield, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 90.5 percent, against a 79.8 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.

Which Fairfield, CA mortgage lenders offer FHA, VA and USDA loans?

69 lenders closed FHA loans in Fairfield, California in 2025, led by United Wholesale Mortgage with 57. 49 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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.

Are credit unions and local banks included in this Fairfield, CA lender list?

Yes. 41 banks and 42 credit unions closed home loans in Fairfield, California in 2025, alongside 126 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.

How are mortgage lenders in Fairfield, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Fairfield, 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 Fairfield, 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 Fairfield. 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.