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Mortgage Lenders and Brokers in Lathrop, California

Content reviewed by

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

Lathrop, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA15318 S Harlan Rd, Lathrop, CA 95330A+5.0 ★Texas Ratio: 3.68%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%, 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%, and Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%. 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 Lathrop, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lathrop 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 Lathrop, California

Market share is the lender's share of all home loans closed in Lathrop, 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
JPMorgan Chase Bank, NA 1 office in Lathrop 15318 S Harlan Rd, Lathrop, CA 95330 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	15 +1 HELOCs	1%	93.8%	$575,666	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional, Jumbo	30	2.1%	96.8%	$803,333	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo	16	1.1%	96.2%	$736,250	View
US Bank, N.A. 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	12 +6 HELOCs	0.8%	54.5%	$591,666	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	12 +1 HELOCs	0.8%	66.7%	$743,333	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	9	0.6%	90%	$940,555	View
Bank of America NA 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +10 HELOCs	0.5%	87.5%	$807,857	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	7 +7 HELOCs	0.5%	63.6%	$746,428	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	7	0.5%	87.5%	$516,428	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	6	0.4%	87.5%	$580,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.3%	100%	$277,500	View
Wells Fargo Bank NA 5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	4	0.3%	100%	$777,500	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	3	0.2%	75%	$95,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.2%	75%	$115,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$585,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$385,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$635,000	View
Bank of Stockton 229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21%	Conventional	2	0.1%	50%	$170,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$765,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$545,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$375,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$595,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$65,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$805,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional	1	0.1%	100%	$1,025,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$115,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$355,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$55,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA, Jumbo	1	0.1%	100%	$845,000	View
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%	$695,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional	1	0.1%	100%	$695,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional	1	0.1%	100%	$95,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +6 HELOCs	0%	n/a		View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	HELOC	0 +5 HELOCs	0%	n/a		View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +3 HELOCs	0%	0%		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	0%		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	100%		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	128 +1 HELOCs	8.9%	96.3%	$530,312
Inspire Home Loans Inc.	Conventional, VA	50	3.5%	96.6%	$538,000
Pennymac Loan Services LLC	Conventional, FHA	24	1.7%	92.6%	$499,583
Kind Lending, LLC	Conventional, FHA	12	0.8%	85.7%	$556,666
New American Funding, LLC.	Conventional, VA, Jumbo	10	0.7%	90.9%	$588,000
Googain, Inc.	Conventional	8	0.6%	100%	$537,500
Provident Funding Associates	Conventional	8	0.6%	100%	$667,500
General Mortgage Capital Corporation	Conventional	7	0.5%	100%	$570,714
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	7	0.5%	90%	$302,142	View
Flexpoint, Inc.	Conventional, FHA	5	0.3%	100%	$433,000
AmWest Funding Corp	Conventional, HELOC	4 +1 HELOCs	0.3%	80%	$555,000
Nmsi, Inc.	Conventional, FHA	4	0.3%	100%	$535,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	100%	$555,000
Land Home Financial Services,	Conventional, FHA	3	0.2%	100%	$361,666
JMAC Lending, Inc.	Conventional, VA	3	0.2%	100%	$605,000
Watermark Capital, Inc.	Conventional	2	0.1%	100%	$480,000
Golden Empire Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$445,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.1%	66.7%	$375,000
American Financial Network, Inc.	FHA	2	0.1%	100%	$520,000
Royal Pacific Funding	Conventional, FHA	2	0.1%	100%	$445,000
Ony Glo, Inc.	Conventional	2	0.1%	66.7%	$445,000
The Police Credit Union of California	Conventional	2	0.1%	100%	$250,000
Mission Loans, LLC	Conventional	2	0.1%	75%	$420,000
Summit Funding.Inc	Conventional	2	0.1%	100%	$600,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.1%	100%	$510,000
Paramount Residential Mortgage	Conventional	2	0.1%	100%	$555,000
Greenbox Loans	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$455,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	33.3%	$305,000
Resicentral LLC	FHA	1	0.1%	100%	$615,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$405,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$655,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$725,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$575,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	50%	$65,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$215,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$365,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$515,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$485,000
SnapFi, Inc.	Conventional	1	0.1%	100%	$645,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$505,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$505,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$1,025,000
Nexera Holding LLC	Conventional, Jumbo	1	0.1%	50%	$855,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	12.5%	$105,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	50%	$485,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$805,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$105,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	116 +8 HELOCs	8.1%	84.7%	$607,586
Rocket Mortgage	Conventional, FHA, VA, Jumbo	115	8%	77.6%	$503,086
DHI Mortgage Company, LTD.	Conventional, FHA, VA	96	6.7%	91.4%	$538,645
Homeamerican Mortgage Corporation	Conventional, FHA, VA	95	6.6%	96.9%	$550,052
Kbhs Home Loans, LLC	Conventional, FHA, VA	79	5.5%	78.2%	$582,215
K. Hovnanian American Mortgage	Conventional, FHA, VA, Jumbo	63	4.4%	96.9%	$638,809
Lennar Mortgage, LLC	Conventional, FHA	46	3.2%	86.8%	$530,434
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	44 +1 HELOCs	3.1%	97.9%	$771,363	View
Tri Pointe Connect, LLC	Conventional, FHA	31	2.2%	91.7%	$660,161
Pulte Mortgage LLC	Conventional, VA, Jumbo	29	2%	80.6%	$700,172
The Loan Store, Inc	Conventional, FHA, HELOC	26 +6 HELOCs	1.8%	96.7%	$505,384
Ameritrust Mortgage Corporation	Conventional, FHA	25	1.7%	100%	$597,800
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	14 +1 HELOCs	1%	100%	$399,285
Taylor Morrison Home Funding, Inc.	Conventional, Jumbo	13	0.9%	68.4%	$741,153
Newrez LLC	Conventional, FHA	11	0.8%	61.1%	$398,636
Nationstar Mortgage	Conventional	11	0.8%	75%	$272,272
Spring Eq, LLC	Conventional, HELOC	9 +5 HELOCs	0.6%	41.7%	$123,888
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	9 +1 HELOCs	0.6%	90.9%	$349,444
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.6%	32.4%	$627,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	8	0.6%	57.1%	$587,500	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	5 +3 HELOCs	0.3%	71.4%	$357,000
Triad Financial Services, Inc.	Conventional	5	0.3%	91.7%	$143,000
Fairway Independent Mort Corp	Conventional, Jumbo	5	0.3%	100%	$723,000
American Financial Resources LLC	Conventional, FHA	4	0.3%	100%	$472,500
Union Home Mortgage Corp.	Conventional	4	0.3%	100%	$587,500
Universal Lending Corporation A-5.0 ★Texas Ratio: 14.64%	Conventional	4	0.3%	100%	$515,000	View
Everett Financial, Inc.	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	100%	$171,666
Freedom Mortgage Corporation	Conventional, FHA	3	0.2%	37.5%	$421,666
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	0.2%	100%	$918,333	View
Equity Prime Mortgage LLC	Conventional, FHA, VA	3	0.2%	100%	$658,333
Planet Home Lending, LLC	Conventional	3	0.2%	75%	$531,666
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	3	0.2%	100%	$1,051,666
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.2%	50%	$301,666
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	66.7%	$495,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$690,000
Movement Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$360,000
Oaktree Funding Corp	Conventional	2	0.1%	100%	$660,000
Amerisave Mortgage Company	Conventional, VA	2	0.1%	15.4%	$330,000
Data Mortgage, Inc	Conventional, FHA	2	0.1%	100%	$480,000
Pike Creek Mortgage Services, Inc.	Conventional, VA	2	0.1%	100%	$510,000
21St Mortgage	Conventional	2	0.1%	25%	$120,000
Champions Funding, LLC	Conventional, Jumbo	2	0.1%	40%	$620,000
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	100%	$845,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$105,000	View
Pacific Residential Mortgage, LLC	FHA	1	0.1%	100%	$435,000
Arc Home LLC	Conventional	1	0.1%	100%	$285,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,085,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$705,000	View
Guaranteed Rate Affinity, LLC	FHA	1	0.1%	100%	$335,000
Primelending	Conventional	1	0.1%	100%	$725,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$505,000
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$695,000
Nbkc Bank	Conventional	1	0.1%	50%	$715,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo	1	0.1%	100%	$805,000	View
PHH Mortgage Corporation	FHA	1	0.1%	100%	$595,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$475,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$615,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$745,000	View
Discover Bank	Conventional	1	0.1%	10%	$105,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$445,000
Bay Equity LLC	Conventional	1	0.1%	100%	$425,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$575,000
First Colony Mortgage Corporat	VA	1	0.1%	100%	$495,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$795,000	View
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$755,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$805,000	View
Financial Resources Federal Cr	Conventional	1	0.1%	100%	$755,000
Mortgage Research Center	VA	1	0.1%	50%	$715,000
Saygo Home Loans, LLC	VA	1	0.1%	100%	$585,000
Uif Corporation	Conventional	1	0.1%	100%	$425,000
Digital Federal Credit Union	Conventional	1	0.1%	50%	$555,000
Mortgage Solutions of Colorado	VA, Jumbo	1	0.1%	100%	$815,000
Genway Home Mortgage, Inc.	Conventional	1	0.1%	50%	$165,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	50%	$585,000
Veritas Funding, LLC	VA	1	0.1%	100%	$575,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0.1%	100%	$945,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$525,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0.1%	100%	$885,000	View
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	1	0.1%	100%	$35,000	View
Loan Simple, Inc.	FHA	1	0.1%	100%	$625,000
Ark-La-Tex Financial Services LLC	FHA	1	0.1%	100%	$585,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$765,000
Village Capital & Investment	VA	1	0.1%	100%	$745,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +4 HELOCs	0%	50%
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	0%
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	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.

Lathrop 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 Lathrop, California

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

Types of Mortgage Lenders in Lathrop, CA

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

Mortgage companies and brokers 113 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 30 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 39 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 45 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 27 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 34 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 82 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Lathrop, CA

Independent mortgage companies closed 87.4 percent of home loans in Lathrop, California in 2025, banks 6.1 percent and credit unions 6.6 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and SAFE Credit Union the largest credit union. Among lenders headquartered in California, SAFE Credit Union led with 30 loans.

87.4%

Mortgage companies

6.1%

Banks

6.6%

Credit unions

13%

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 Lathrop, CA

Who is the largest mortgage lender in Lathrop, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Lathrop, California with 15 loans, about 1 percent of the market. The largest lender headquartered in California was SAFE Credit Union with 30 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Lathrop, California, Homeamerican Mortgage Corporation approved the highest share of completed applications in 2025 at 96.9 percent, against a 83.4 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 Lathrop, CA mortgage lenders offer FHA, VA and USDA loans?

45 lenders closed FHA loans in Lathrop, California in 2025, led by loanDepot.com LLC with 31. 27 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.

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

Yes. 30 banks and 39 credit unions closed home loans in Lathrop, California in 2025, alongside 113 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 Lathrop, CA ranked on this page?

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