Mortgage Lenders and Brokers in Live Oak, 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
Live Oak, California mortgage lenders include Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Bay Federal Credit UnionBay Federal Credit Union48 Rancho Del Mar, Aptos, CA 95003A+5.0 ★Texas Ratio: 1.88%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, 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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, and Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311. 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 Live Oak, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Live Oak 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 Live Oak, California
Market share is the lender's share of all home loans closed in Live Oak, 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 Live Oak 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 25% | $75,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional, Jumbo, HELOC | 19 +8 HELOCs |
14.3% | 90.5% | $353,947 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 4 | 3% | 100% | $402,500 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +3 HELOCs |
2.3% | 100% | $841,666 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.3% | 75% | $721,666 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +6 HELOCs |
1.5% | 100% | $650,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
1.5% | 100% | $1,180,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.5% | 100% | $960,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,525,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.8% | 100% | $705,000 | |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 1 | 0.8% | 100% | $165,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,335,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional | 1 | 0.8% | 100% | $655,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.8% | 100% | $165,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.8% | 100% | $925,000 | 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 +3 HELOCs |
0% | n/a | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 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 | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
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 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 9 | 6.8% | 100% | $645,000 | |
Guild Mortgage Company
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Conventional | 3 | 2.3% | 100% | $218,333 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.5% | 100% | $425,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 1.5% | 100% | $595,000 | |
Googain, Inc.
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Conventional | 2 | 1.5% | 100% | $1,030,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.5% | 100% | $660,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.5% | 100% | $110,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $605,000 | |
loanDepot.com LLC
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FHA | 1 | 0.8% | 100% | $595,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.8% | 100% | $1,085,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.8% | 100% | $655,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.8% | 100% | $1,605,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.8% | 100% | $655,000 | |
CrossCountry Mortgage, LLC
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Conventional | 16 | 12% | 100% | $724,375 | |
Rocket Mortgage
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Conventional, FHA | 10 | 7.5% | 80% | $508,000 | |
United Wholesale Mortgage
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Conventional, FHA | 7 | 5.3% | 100% | $960,714 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 2.3% | 100% | $755,000 | |
Better Mortgage Corporation
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.5% | 100% | $745,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.5% | 80% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $55,000 | View |
Proper Rate, LLC
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Conventional | 1 | 0.8% | 100% | $425,000 | |
Originpoint, LLC
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Conventional | 1 | 0.8% | 100% | $795,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.8% | 100% | $935,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.8% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.8% | 100% | $685,000 | View |
Newrez LLC
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.8% | 100% | $905,000 | |
Nbkc Bank
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Conventional | 1 | 0.8% | 100% | $755,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.8% | 100% | $1,095,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.8% | 50% | $555,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.8% | 100% | $985,000 | View |
Michigan Mutual, Inc
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Conventional | 1 | 0.8% | 100% | $455,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 25% | $355,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.8% | 100% | $715,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.8% | 100% | $435,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.8% | 100% | $705,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $475,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.8% | 100% | $735,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.8% | 100% | $545,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Live Oak 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 Live Oak, California
Looking for mortgage lenders near me or mortgage brokers near me in Live Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Live Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Live Oak, CA
Use these to narrow the list above. Each category shows how many Live Oak, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Live Oak, CA
Independent mortgage companies closed 65.4 percent of home loans in Live Oak, California in 2025, banks 12.8 percent and credit unions 21.8 percent. Change Lending was the largest mortgage company, Sofi Bank, National Association the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bay Federal Credit Union led with 19 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 Live Oak, CA
By home loans closed in 2025, Sofi Bank, National Association was the largest mortgage lender in Live Oak, California with 1 loans, about 0.8 percent of the market. The largest lender headquartered in California was Bay Federal Credit Union with 19 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Live Oak, California in 2025, led by loanDepot.com LLC with 1. 1 lenders closed VA loans, led by PHH Mortgage Corporation. 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. 17 banks and 12 credit unions closed home loans in Live Oak, California in 2025, alongside 38 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 Live Oak, 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 Live Oak, 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 Live Oak. 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.
