Mortgage Lenders and Brokers in Granite Bay, 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
Granite Bay, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6987 Douglas Blvd, Granite Bay, CA 95746A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA8475 Auburn Folsom Rd, Granite Bay, CA 95746A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, SAFE Credit UnionSAFE Credit Union8789 Auburn Folsom Rd Ste B, Granite Bay, CA 95746A+5.0 ★Texas Ratio: 3.24%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 Granite Bay, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Granite Bay 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 Granite Bay, California
Market share is the lender's share of all home loans closed in Granite Bay, 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 Granite Bay 6987 Douglas Blvd, Granite Bay, CA 95746 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA, Jumbo, HELOC | 12 +1 HELOCs |
2.7% | 100% | $950,000 | View |
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1 office in Granite Bay 8475 Auburn Folsom Rd, Granite Bay, CA 95746 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 1.1% | 100% | $1,473,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 35 +5 HELOCs |
7.8% | 81.4% | $1,316,142 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 8 +14 HELOCs |
1.8% | 66.7% | $841,250 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 4 +19 HELOCs |
0.9% | 66.7% | $990,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 0.9% | 100% | $1,590,000 | View |
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8789 Auburn Folsom Rd Ste B, Granite Bay, CA 95746 A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.7% | 100% | $701,666 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 3 | 0.7% | 100% | $715,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 3 | 0.7% | 100% | $145,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.7% | 75% | $158,333 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 0.7% | 100% | $1,311,666 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +10 HELOCs |
0.4% | 100% | $75,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.4% | 100% | $860,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $1,605,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 2 | 0.4% | 100% | $85,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,200,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 2 | 0.4% | 100% | $890,000 | View |
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2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,245,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,195,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $565,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $405,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,065,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $905,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo | 1 | 0.2% | 33.3% | $2,365,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.2% | 100% | $305,000 | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo | 1 | 0.2% | 100% | $935,000 | View |
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350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.2% | 100% | $765,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.2% | 100% | $155,000 | 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 +6 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +4 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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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
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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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 14 | 3.1% | 93.3% | $806,428 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 11 +1 HELOCs |
2.4% | 100% | $810,454 | |
Guild Mortgage Company
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Conventional, Jumbo | 9 | 2% | 100% | $863,888 | |
AmWest Funding Corp
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Conventional, VA, Jumbo, HELOC | 7 +1 HELOCs |
1.6% | 87.5% | $676,428 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 7 | 1.6% | 100% | $683,571 | |
Kind Lending, LLC
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Conventional, FHA, Jumbo | 6 | 1.3% | 85.7% | $755,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 4 | 0.9% | 100% | $1,780,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 4 | 0.9% | 100% | $830,000 | |
Fundloans Capital
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Conventional, Jumbo | 3 | 0.7% | 100% | $498,333 | |
Googain, Inc.
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Conventional, Jumbo | 3 | 0.7% | 100% | $728,333 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 0.7% | 100% | $771,666 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 2 | 0.4% | 66.7% | $1,330,000 | View |
Stg Mortgage Inc
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Conventional, Jumbo | 2 | 0.4% | 100% | $1,905,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 0.4% | 100% | $585,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 0.4% | 100% | $740,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 0.4% | 66.7% | $670,000 | |
Carrington Mortgage Services LLC
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VA, Jumbo | 2 | 0.4% | 50% | $655,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $805,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | |
Royal Pacific Funding
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FHA | 1 | 0.2% | 100% | $515,000 | |
Flexpoint, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $505,000 | |
West Coast Mortgage Group & Realty Co
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Conventional | 1 | 0.2% | 100% | $775,000 | |
American Heritage Lending, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,315,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.2% | 100% | $665,000 | |
Ony Glo, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,125,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $515,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 50% | $805,000 | |
T. J. Financial, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,145,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,275,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 70 +8 HELOCs |
15.6% | 93.3% | $756,000 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 50 | 11.1% | 91.1% | $634,200 | |
The Loan Store, Inc
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Conventional, VA, Jumbo, HELOC | 14 +1 HELOCs |
3.1% | 94.1% | $950,714 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 12 | 2.7% | 92.3% | $740,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, Jumbo | 8 | 1.8% | 100% | $820,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 7 +1 HELOCs |
1.6% | 58.3% | $259,285 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 5 | 1.1% | 100% | $1,181,000 | |
Better Mortgage Corporation
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Conventional | 5 | 1.1% | 83.3% | $539,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.9% | 100% | $402,500 | |
Alliant Credit Union
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Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.7% | 100% | $1,645,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 3 | 0.7% | 100% | $748,333 | View |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 3 | 0.7% | 100% | $861,666 | |
Newrez LLC
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Conventional, VA, Jumbo | 3 | 0.7% | 100% | $1,148,333 | |
Nationstar Mortgage
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Conventional | 3 | 0.7% | 57.1% | $598,333 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 0.7% | 100% | $1,015,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 3 | 0.7% | 100% | $911,666 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 3 | 0.7% | 100% | $528,333 | View |
First Technology Federal Credit Union
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Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $180,000 | |
Lower, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $800,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 0.4% | 100% | $1,045,000 | |
Primelending
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Conventional, Jumbo | 2 | 0.4% | 100% | $940,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,050,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.4% | 50% | $590,000 | |
Union Home Mortgage Corp.
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Conventional, Jumbo | 2 | 0.4% | 100% | $620,000 | |
Mortgage Research Center
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VA, Jumbo | 2 | 0.4% | 100% | $1,100,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,655,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.4% | 100% | $655,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $255,000 | View |
Usalliance Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $255,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Canopy Mortgage, LLC
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VA, Jumbo | 1 | 0.2% | 100% | $1,305,000 | |
Envoy Mortgage, Ltd
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,095,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Directors Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $715,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $525,000 | |
Emporium Tpo LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,445,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,615,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $755,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $565,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $605,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | View |
Fairway Independent Mort Corp
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Conventional, Jumbo | 1 | 0.2% | 100% | $835,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 50% | $125,000 | |
Luxury Mortgage Corp.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,165,000 | |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $95,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 100% | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 10.53% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Granite Bay 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 Granite Bay, California
Looking for mortgage lenders near me or mortgage brokers near me in Granite Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Granite Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Granite Bay, CA
Use these to narrow the list above. Each category shows how many Granite Bay, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Granite Bay, CA
Independent mortgage companies closed 70.8 percent of home loans in Granite Bay, California in 2025, banks 23.2 percent and credit unions 6 percent. Change Lending was the largest mortgage company, JPMorgan Chase 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 8 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 Granite Bay, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Granite Bay, California with 12 loans, about 2.7 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.
Among lenders with meaningful volume in Granite Bay, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.3 percent, against a 90 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.
10 lenders closed FHA loans in Granite Bay, California in 2025, led by Sun West Mortgage Company, Inc with 1. 14 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. 33 banks and 27 credit unions closed home loans in Granite Bay, California in 2025, alongside 75 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 Granite Bay, 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 Granite Bay, 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 Granite Bay. 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.
