Mortgage Lenders and Brokers in Galt, 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
Galt, California mortgage lenders include Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce10330 Twin Cities Rd, Galt, CA 95632A+5.0 ★Texas Ratio: 0.87%, Wells Fargo Bank NAWells Fargo Bank NA602 C St, Galt, CA 95632A+5.0 ★Texas Ratio: 5.36%, Banner BankBanner Bank701 C St, Galt, CA 95632A+5.0 ★Texas Ratio: 2.91%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, and El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%. 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 Galt, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Galt 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 Galt, California
Market share is the lender's share of all home loans closed in Galt, 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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2 offices in Galt 10330 Twin Cities Rd, Galt, CA 95632 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 3 | 0.6% | 60% | $335,000 | View |
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1 office in Galt 602 C St, Galt, CA 95632 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.6% | 100% | $345,000 | View |
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1 office in Galt 701 C St, Galt, CA 95632 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 14 +4 HELOCs |
2.7% | 77.8% | $297,142 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 7 +8 HELOCs |
1.3% | 70% | $120,714 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 4 +4 HELOCs |
0.8% | 80% | $62,500 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $541,666 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 3 | 0.6% | 100% | $361,666 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 3 | 0.6% | 75% | $165,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 3 | 0.6% | 100% | $308,333 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.4% | 100% | $320,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 50% | $265,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional | 2 | 0.4% | 100% | $205,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +22 HELOCs |
0.2% | 100% | $95,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 50% | $605,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $205,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.2% | 50% | $535,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.2% | 100% | $485,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +4 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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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 45 +2 HELOCs |
8.6% | 86.5% | $539,222 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 30 | 5.7% | 93.8% | $394,333 | |
Guild Mortgage Company
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Conventional, FHA | 21 | 4% | 100% | $321,666 | |
Kind Lending, LLC
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Conventional, FHA | 10 | 1.9% | 76.9% | $351,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 1.9% | 90.9% | $370,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, HELOC | 7 +1 HELOCs |
1.3% | 100% | $479,285 | |
Summit Funding.Inc
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Conventional, FHA | 6 | 1.1% | 100% | $356,666 | |
Generations Home Loans, LLC
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Conventional, VA | 5 | 1% | 100% | $469,000 | |
Paramount Residential Mortgage
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Conventional, FHA, Jumbo | 5 | 1% | 100% | $615,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, VA | 4 | 0.8% | 100% | $385,000 | View |
New American Funding, LLC.
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FHA, VA | 4 | 0.8% | 66.7% | $465,000 | |
JMAC Lending, Inc.
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FHA | 3 | 0.6% | 100% | $475,000 | |
Goodleap, LLC
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FHA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $395,000 | |
AmWest Funding Corp
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $285,000 | |
Watermark Capital, Inc.
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Conventional | 2 | 0.4% | 100% | $345,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.4% | 100% | $540,000 | |
Provident Funding Associates
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Conventional | 2 | 0.4% | 100% | $455,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $380,000 | |
Alameda Mortgage Corporation
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VA | 1 | 0.2% | 100% | $545,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Catalyst Mortgage
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 20% | $125,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.2% | 50% | $155,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 93 +10 HELOCs |
17.8% | 91.4% | $469,408 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 40 | 7.6% | 83.3% | $422,750 | |
Rocket Mortgage
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Conventional, FHA | 34 | 6.5% | 88.9% | $260,000 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 16 +6 HELOCs |
3.1% | 100% | $480,000 | |
Nationstar Mortgage
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Conventional | 11 | 2.1% | 85.7% | $175,909 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 1.1% | 87.5% | $501,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 6 | 1.1% | 85.7% | $133,333 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +3 HELOCs |
1% | 43.8% | $91,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 5 | 1% | 100% | $497,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.8% | 83.3% | $537,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 4 | 0.8% | 100% | $530,000 | View |
Mortgage Research Center
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VA | 4 | 0.8% | 57.1% | $377,500 | |
Village Capital & Investment
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FHA, VA | 4 | 0.8% | 100% | $580,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 0.6% | 100% | $435,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.6% | 100% | $345,000 | |
Movement Mortgage, LLC
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Conventional | 3 | 0.6% | 100% | $528,333 | |
HomeBridge Financial Services, Inc
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FHA, VA | 3 | 0.6% | 100% | $558,333 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.6% | 100% | $631,666 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $341,666 | |
Planet Home Lending, LLC
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FHA | 3 | 0.6% | 100% | $701,666 | |
Primelending
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Conventional, FHA | 2 | 0.4% | 100% | $240,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.4% | 30% | $310,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.4% | 71.4% | $115,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 40% | $70,000 | |
Homeamerican Mortgage Corporation
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FHA | 2 | 0.4% | 100% | $580,000 | |
Ark-La-Tex Financial Services LLC
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VA | 2 | 0.4% | 100% | $630,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.2% | 100% | $515,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
NOVA Financial & Investment Corporation
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FHA | 1 | 0.2% | 100% | $465,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $635,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $495,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 50% | $515,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 25% | $55,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Peak Residential Lending Inc
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Conventional | 1 | 0.2% | 100% | $355,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $705,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $495,000 | |
Self Help Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Genway Home Mortgage, Inc.
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VA | 1 | 0.2% | 50% | $515,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $445,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $485,000 | View |
21St Mortgage
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Conventional | 1 | 0.2% | 33.3% | $85,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.2% | 50% | $235,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lower, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Galt 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 Galt, California
Looking for mortgage lenders near me or mortgage brokers near me in Galt? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Galt in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Galt, CA
Use these to narrow the list above. Each category shows how many Galt, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Galt, CA
Independent mortgage companies closed 87 percent of home loans in Galt, California in 2025, banks 7.6 percent and credit unions 5.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Farmers & Merchants Bank of Ce the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Farmers & Merchants Bank of Ce led with 3 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 Galt, CA
By home loans closed in 2025, Farmers & Merchants Bank of Ce was the largest mortgage lender in Galt, California with 3 loans, about 0.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Galt, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 91.4 percent, against a 85.1 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.
35 lenders closed FHA loans in Galt, California in 2025, led by United Wholesale Mortgage with 24. 24 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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.
Yes. 20 banks and 16 credit unions closed home loans in Galt, California in 2025, alongside 82 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 Galt, 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 Galt, 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 Galt. 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.
