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Mortgage Lenders and Brokers in Fremont, California

Content reviewed by

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

Fremont, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA44029 Osgood Rd, Fremont, CA 94539A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA43591 Mission Blvd, Fremont, CA 94539A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA43804 Christy St, Fremont, CA 94538A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.39390 Fremont Blvd, Fremont, CA 94538A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA43333 Christy St, Fremont, CA 94538A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA46691 Mission Blvd, Fremont, CA 94539A+5.0 ★Texas Ratio: 3.54%, Hsbc Bank USA, NAHsbc Bank USA, NA39410 Fremont Blvd, Fremont, CA 94538A+5.0 ★Texas Ratio: 4.86%, PNC Bank N.A.PNC Bank N.A.39350 Fremont Blvd, Fremont, CA 94538A+5.0 ★Texas Ratio: 4.24%, Fremont BankFremont Bank39005 Fremont Hub Ste 341, Fremont, CA 94538A+5.0 ★Texas Ratio: 4.11%, and Zions Bancorporation, N.A.Zions Bancorporation, N.A.39315 Fremont Blvd, Fremont, CA 94538A+5.0 ★Texas Ratio: 3.72%. 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 Fremont, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fremont 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 Fremont, California

Market share is the lender's share of all home loans closed in Fremont, 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
Wells Fargo Bank NA 5 offices in Fremont 44029 Osgood Rd, Fremont, CA 94539 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	304	11.8%	95.6%	$1,427,927	View
Bank of America NA 3 offices in Fremont 43591 Mission Blvd, Fremont, CA 94539 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	265 +89 HELOCs	10.3%	96%	$1,236,962	View
Citibank, NA 3 offices in Fremont 43804 Christy St, Fremont, CA 94538 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	243 +6 HELOCs	9.4%	94.9%	$1,229,156	View
US Bank, N.A. 3 offices in Fremont 39390 Fremont Blvd, Fremont, CA 94538 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	209 +17 HELOCs	8.1%	90.9%	$1,234,569	View
JPMorgan Chase Bank, NA 4 offices in Fremont 43333 Christy St, Fremont, CA 94538 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	139 +3 HELOCs	5.4%	95.2%	$1,069,748	View
BMO Harris Bank NA 2 offices in Fremont 46691 Mission Blvd, Fremont, CA 94539 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	72 +20 HELOCs	2.8%	78.7%	$1,343,611	View
Hsbc Bank USA, NA 1 office in Fremont 39410 Fremont Blvd, Fremont, CA 94538 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	60 +2 HELOCs	2.3%	96.8%	$1,027,166	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Fremont 39350 Fremont Blvd, Fremont, CA 94538 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	30 +9 HELOCs	1.2%	88.6%	$1,043,000	View
Fremont Bank 3 offices in Fremont 39005 Fremont Hub Ste 341, Fremont, CA 94538 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	25 +128 HELOCs	1%	74.3%	$349,800	View
Zions Bancorporation, N.A. 1 office in Fremont 39315 Fremont Blvd, Fremont, CA 94538 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	6 +4 HELOCs	0.2%	100%	$1,153,333	View
East West Bank 2 offices in Fremont 34420 Fremont Blvd, Fremont, CA 94555 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	4 +3 HELOCs	0.2%	66.7%	$600,000	View
Cathay Bank 1 office in Fremont 46750 Mission Blvd, Fremont, CA 94539 A+5.0 ★Texas Ratio: 4.57%	Conventional	3	0.1%	100%	$621,666	View
First Commercial Bank (USA) 1 office in Fremont 47000 Warm Springs Boulevard Suite 3 And 4, Fremont, CA 94539 A+5.0 ★Texas Ratio: 3.91%	Conventional	2	0.1%	100%	$700,000	View
Fifth Third Bank, National Association 1 office in Fremont 39008 Paseo Padre Pkwy, Fremont, CA 94538 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$1,165,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	76 +13 HELOCs	2.9%	83.5%	$1,191,184	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	41 +18 HELOCs	1.6%	71.2%	$838,902	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	40	1.6%	90.9%	$1,373,750	View
Patelco Credit Union 5166 Mowry Ave, Fremont, CA 94538 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	26 +31 HELOCs	1%	96.8%	$1,116,923	View
Technology Credit Union 43848 Pacific Commons Blvd, Fremont, CA 94538 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	14 +37 HELOCs	0.5%	85%	$794,285	View
Provident Credit Union 39080 Argonaut Way, Fremont, CA 94538 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	12 +3 HELOCs	0.5%	100%	$1,060,833	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, HELOC	10 +1 HELOCs	0.4%	100%	$680,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.4%	100%	$1,083,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	9	0.3%	90%	$1,438,333	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.3%	100%	$1,413,571	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.2%	66.7%	$121,666	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	4 +9 HELOCs	0.2%	100%	$760,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, Jumbo, HELOC	4 +5 HELOCs	0.2%	100%	$747,500	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	0.2%	100%	$1,535,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	3 +4 HELOCs	0.1%	100%	$395,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	60%	$1,115,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	3	0.1%	100%	$911,666	View
1st UNITED CREDIT UNION 2710 Mowry Ave, Fremont, CA 94538 1609 A+5.0 ★Texas Ratio: 1.28%	Conventional, Jumbo, HELOC	2 +18 HELOCs	0.1%	50%	$905,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$530,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$1,025,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	2	0.1%	66.7%	$880,000
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	2	0.1%	100%	$1,070,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	2	0.1%	66.7%	$505,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional	2	0.1%	100%	$1,105,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, HELOC	1 +4 HELOCs	0%	100%	$965,000	View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$125,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$835,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,805,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,705,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0%	100%	$1,595,000	View
First Western Trust Bank 1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0%	100%	$505,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional	1	0%	100%	$965,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	100%	$55,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0%	100%	$1,185,000	View
Altura Credit Union 300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0%	100%	$615,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0%	100%	$345,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +3 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +3 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +2 HELOCs	0%	n/a		View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	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%	100%		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
General Mortgage Capital Corporation	Conventional, Jumbo	28	1.1%	100%	$810,357
Googain, Inc.	Conventional, Jumbo	27	1%	100%	$654,629
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	23 +2 HELOCs	0.9%	79.3%	$544,565
Pennymac Loan Services LLC	Conventional, VA, Jumbo	22	0.9%	85.2%	$879,545
AmWest Funding Corp	Conventional, FHA, Jumbo, HELOC	17 +6 HELOCs	0.7%	94.4%	$723,235
New Wave Lending Group Inc	Conventional	8	0.3%	100%	$776,250
Nmsi, Inc.	Conventional, Jumbo	8	0.3%	100%	$936,250
Resicentral LLC	Conventional	7	0.3%	90%	$869,285
Nexera Holding LLC	Conventional, Jumbo	6	0.2%	85.7%	$848,333
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	5 +1 HELOCs	0.2%	100%	$595,000
New American Funding, LLC.	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.2%	83.3%	$907,000
American Pacific Mortgage Corporation	Conventional, Jumbo	5	0.2%	62.5%	$1,301,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, HELOC	4 +1 HELOCs	0.2%	85.7%	$490,000	View
AAA Capital Investment, Inc	Conventional	4	0.2%	80%	$720,000
Bridgeway Lending Partners, LLC	Conventional	4	0.2%	100%	$675,000
Provident Funding Associates	Conventional	3	0.1%	75%	$691,666
Citadel Servicing Corporation	Conventional, Jumbo	3	0.1%	100%	$645,000
Vista Point Mortgage, LLC	Conventional, Jumbo	3	0.1%	100%	$1,771,666
JMAC Lending, Inc.	Conventional, Jumbo	3	0.1%	100%	$1,131,666
Watermark Capital, Inc.	Conventional	2	0.1%	100%	$755,000
Kind Lending, LLC	Conventional	2	0.1%	100%	$535,000
Guild Mortgage Company	Conventional, Jumbo	2	0.1%	100%	$2,310,000
American Financial Network, Inc.	Conventional, FHA, Jumbo	2	0.1%	100%	$970,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	50%	$315,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	66.7%	$835,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	100%	$425,000
Cake Mortgage Corp.	Conventional, Jumbo	2	0.1%	100%	$1,535,000
ML Mortgage Corp.	Conventional	1	0%	100%	$495,000
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$1,205,000
Alameda Mortgage Corporation	Conventional	1	0%	100%	$805,000
Residential Wholesale Mortgage	Conventional	1	0%	100%	$1,195,000
Golden Empire Mortgage, Inc.	FHA	1	0%	100%	$565,000
Catalyst Mortgage	Conventional, Jumbo	1	0%	100%	$755,000
Instamortgage, Inc	Conventional	1	0%	100%	$1,105,000
Bay-Valley Mortgage Group	Conventional	1	0%	100%	$925,000
Ahl Funding	Conventional, Jumbo	1	0%	100%	$2,085,000
Royal Pacific Funding	Conventional	1	0%	100%	$665,000
Flexpoint, Inc.	Conventional	1	0%	100%	$615,000
Network Capital Funding Corporation	Conventional	1	0%	100%	$605,000
Greenbox Loans	Conventional	1	0%	100%	$255,000
Stg Mortgage Inc	Conventional, Jumbo	1	0%	100%	$1,505,000
American Internet Mortgage, Inc.	Conventional	1	0%	50%	$605,000
Ony Glo, Inc.	Conventional	1	0%	33.3%	$545,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$85,000	View
Intelliloan, Inc.	Conventional	1	0%	100%	$475,000
Hometown Equity Mortgage, LLC	Conventional	1	0%	33.3%	$515,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$325,000
Mission Loans, LLC	Conventional	1	0%	100%	$275,000
Summit Funding.Inc	Conventional	1	0%	100%	$655,000
Zillow Home Loans, LLC	Conventional	1	0%	100%	$795,000
ClearEdge Lending LLC	Conventional	1	0%	50%	$665,000
Paramount Residential Mortgage	Conventional	1	0%	100%	$525,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	176 +1 HELOCs	6.8%	81.5%	$655,170
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	85 +16 HELOCs	3.3%	89.5%	$701,352
Lennar Mortgage, LLC	Conventional	46	1.8%	100%	$815,652
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	32	1.2%	91.4%	$1,338,750	View
Sunward A+5.0 ★Texas Ratio: 2.97%	Conventional, Jumbo, HELOC	24 +1 HELOCs	0.9%	96%	$958,333	View
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	23	0.9%	100%	$864,565
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	18 +2 HELOCs	0.7%	95.7%	$645,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	17	0.7%	94.4%	$903,823	View
The Loan Store, Inc	Conventional, HELOC	16 +4 HELOCs	0.6%	90%	$504,375
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	16	0.6%	100%	$1,141,250
Spring Eq, LLC	Conventional, HELOC	13 +6 HELOCs	0.5%	48.1%	$308,076
Originpoint, LLC	Conventional, Jumbo	13	0.5%	100%	$1,406,538
Sage Home Loans Corporation	Conventional	13	0.5%	92.9%	$633,461
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	11 +1 HELOCs	0.4%	91.7%	$1,167,727
Teachers Federal Credit Union	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.4%	100%	$1,193,000
Newrez LLC	Conventional	10	0.4%	47.6%	$601,000
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	8 +4 HELOCs	0.3%	90%	$973,750
Better Mortgage Corporation	Conventional, HELOC	7 +3 HELOCs	0.3%	77.8%	$603,571
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.3%	100%	$1,486,428	View
Guidance Residential, LLC	Conventional	7	0.3%	100%	$985,000
Nationstar Mortgage	Conventional	7	0.3%	58.3%	$385,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	6	0.2%	85.7%	$615,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	6	0.2%	100%	$493,333	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +11 HELOCs	0.2%	83.3%	$323,000	View
Alliant Credit Union	Conventional, Jumbo, HELOC	5 +4 HELOCs	0.2%	83.3%	$1,057,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	5 +3 HELOCs	0.2%	71.4%	$337,000
Citizens Equity First Credit U	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.2%	100%	$819,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	5	0.2%	100%	$523,000	View
Mortgage Research Center	VA, Jumbo	5	0.2%	83.3%	$899,000
Freedom Mortgage Corporation	Conventional	4	0.2%	100%	$527,500
Union Home Mortgage Corp.	Conventional	4	0.2%	100%	$705,000
Prosperity Home Mortgage, LLC	Conventional	4	0.2%	100%	$932,500
Champions Funding, LLC	Conventional, Jumbo	4	0.2%	80%	$1,030,000
Triad Financial Services, Inc.	Conventional	3	0.1%	50%	$188,333
Toll Brothers Mortgage Company	Conventional	3	0.1%	100%	$768,333
Discover Bank	Conventional	3	0.1%	21.4%	$191,666
Ameritrust Mortgage Corporation	Conventional, Jumbo	3	0.1%	100%	$1,751,666
Vellum Mortgage, Inc.	Conventional, FHA	3	0.1%	100%	$725,000
Golden Bank National Associati	Conventional	3	0.1%	100%	$661,666
Uif Corporation	Conventional	3	0.1%	60%	$678,333
Digital Federal Credit Union	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.1%	66.7%	$1,150,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$940,000
Everett Financial, Inc.	Conventional, FHA	2	0.1%	100%	$460,000
Nbkc Bank	Conventional	2	0.1%	66.7%	$480,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.1%	100%	$620,000	View
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.1%	66.7%	$940,000
Oaktree Funding Corp	Conventional, Jumbo	2	0.1%	100%	$550,000
Amerisave Mortgage Company	Conventional	2	0.1%	12.5%	$265,000
Michigan Mutual, Inc	Conventional	2	0.1%	100%	$635,000
Bay Equity LLC	Conventional	2	0.1%	100%	$1,190,000
Nations Direct Mortgage, LLC	Conventional	2	0.1%	100%	$780,000
21St Mortgage	Conventional	2	0.1%	28.6%	$205,000
Quorum Federal Credit Union	Conventional, HELOC	1 +5 HELOCs	0%	50%	$495,000
RBC Bank (Georgia), N.A.	Conventional, HELOC	1 +1 HELOCs	0%	100%	$125,000
First Community Mortgage, Inc.	Conventional	1	0%	100%	$575,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0%	100%	$335,000	View
American Financial Resources LLC	FHA	1	0%	100%	$665,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$755,000	View
Movement Mortgage, LLC	Conventional	1	0%	100%	$815,000
PHH Mortgage Corporation	Conventional	1	0%	100%	$405,000
Dart Bank	Conventional	1	0%	50%	$1,095,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0%	100%	$1,365,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$255,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$865,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0%	100%	$1,805,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$525,000	View
Summit Mortgage Bankers, Inc.	Conventional, Jumbo	1	0%	100%	$1,275,000
Intercap Lending Inc	Conventional	1	0%	100%	$1,085,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$1,205,000
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$645,000
Real Genius LLC	Conventional	1	0%	100%	$575,000
Service Federal Credit Union	Conventional	1	0%	100%	$1,115,000
Planet Home Lending, LLC	Conventional	1	0%	100%	$195,000
Boeing Employees' Credit Union	Conventional, Jumbo	1	0%	100%	$1,855,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional	1	0%	100%	$1,085,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$1,165,000	View
Andrews Federal Credit Union	Conventional	1	0%	100%	$395,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$1,075,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0%	100%	$1,235,000	View
Fairway Independent Mort Corp	Conventional	1	0%	100%	$695,000
United Nations Federal CU	Conventional	1	0%	100%	$845,000
Texana Bank	Conventional	1	0%	100%	$1,205,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +11 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +8 HELOCs	0%	0%
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +6 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Everence Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Communityamerica Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Fremont 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 Fremont, California

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

Types of Mortgage Lenders in Fremont, CA

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

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 10 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 7 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 73 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 97 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Fremont, CA

Independent mortgage companies closed 29.9 percent of home loans in Fremont, California in 2025, banks 59.2 percent and credit unions 10.9 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 265 loans.

29.9%

Mortgage companies

59.2%

Banks

10.9%

Credit unions

FHA loans

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 Fremont, CA

Who is the largest mortgage lender in Fremont, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Fremont, California with 304 loans, about 11.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 265 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Fremont, California, Hsbc Bank USA, NA approved the highest share of completed applications in 2025 at 96.8 percent, against a 88.7 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 Fremont, CA mortgage lenders offer FHA, VA and USDA loans?

10 lenders closed FHA loans in Fremont, California in 2025, led by Rocket Mortgage with 2. 7 lenders closed VA loans, led by Rocket 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.

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

Yes. 54 banks and 48 credit unions closed home loans in Fremont, California in 2025, alongside 103 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 Fremont, CA ranked on this page?

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