Mortgage Lenders and Brokers in Franklin, 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
Franklin, California mortgage lenders include Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union101 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 1.23%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce785 Oak Grove Rd, Concord, CA 94518A+5.0 ★Texas Ratio: 0.87%, Educational Employees Credit UnionEducational Employees Credit Union1660 Herndon Ave Ste 101, Clovis, CA 93611A+5.0 ★Texas Ratio: 0.58%, and The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%. 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 Franklin, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, California
Market share is the lender's share of all home loans closed in Franklin, 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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101 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 6 | 5.8% | 100% | $130,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 4.8% | 100% | $441,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 5 | 4.8% | 100% | $119,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 2 | 1.9% | 100% | $195,000 | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $205,000 | 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 |
1% | 100% | $385,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 1% | 100% | $305,000 | View |
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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 1 | 1% | 33.3% | $85,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 3.8% | 80% | $232,500 | |
Generations Home Loans, LLC
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Conventional, FHA | 3 | 2.9% | 100% | $301,666 | |
MortgageOne, Inc
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Conventional, FHA | 2 | 1.9% | 100% | $390,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.9% | 50% | $190,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 1.9% | 100% | $560,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.9% | 100% | $160,000 | |
Nexera Holding LLC
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Conventional | 2 | 1.9% | 100% | $245,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 2 | 1.9% | 100% | $335,000 | |
Kind Lending, LLC
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Conventional | 1 | 1% | 50% | $375,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 1% | 100% | $475,000 | |
Guild Mortgage Company
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Conventional | 1 | 1% | 100% | $655,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 1% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 1% | 100% | $435,000 | View |
Land Home Financial Services,
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FHA | 1 | 1% | 100% | $315,000 | |
Intelliloan, Inc.
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FHA | 1 | 1% | 100% | $295,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1% | 100% | $495,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1% | 50% | $85,000 | |
JMAC Lending, Inc.
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FHA | 1 | 1% | 100% | $305,000 | |
United Wholesale Mortgage
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Conventional, FHA | 13 | 12.5% | 68.2% | $366,538 | |
Rocket Mortgage
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Conventional, FHA | 12 | 11.5% | 92.3% | $210,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 8 | 7.7% | 66.7% | $318,750 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 2.9% | 75% | $181,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.9% | 100% | $350,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.9% | 100% | $375,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 1.9% | 100% | $365,000 | |
City Lending Inc.
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Conventional, FHA | 2 | 1.9% | 100% | $190,000 | |
First Community Mortgage, Inc.
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FHA | 1 | 1% | 100% | $515,000 | |
Everett Financial, Inc.
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FHA | 1 | 1% | 100% | $355,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 1% | 100% | $245,000 | View |
Union Home Mortgage Corp.
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FHA | 1 | 1% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 5.65% |
Conventional | 1 | 1% | 100% | $335,000 | View |
Ussfcu
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Conventional | 1 | 1% | 100% | $185,000 | |
Spring Eq, LLC
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Conventional | 1 | 1% | 20% | $75,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1% | 100% | $425,000 |
Franklin 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 Franklin, California
Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklin, CA
Use these to narrow the list above. Each category shows how many Franklin, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Franklin, CA
Independent mortgage companies closed 78.8 percent of home loans in Franklin, California in 2025, banks 9.6 percent and credit unions 11.5 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Merced School Employees Federal Credit Union the largest credit union. Among lenders headquartered in California, Merced School Employees Federal Credit Union led with 6 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 Franklin, CA
By home loans closed in 2025, Merced School Employees Federal Credit Union was the largest mortgage lender in Franklin, California with 6 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Franklin, California in 2025, led by United Wholesale Mortgage with 10. 1 lenders closed VA loans, led by Equity Prime Mortgage 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. 6 banks and 5 credit unions closed home loans in Franklin, California in 2025, alongside 34 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 Franklin, 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 Franklin, 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 Franklin. 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.
