Mortgage Lenders and Brokers in Livingston, 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
Livingston, California mortgage lenders include Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union101 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 1.23%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union2255 N Ontario St, Burbank, CA 91504A5.0 ★Texas Ratio: 12.30%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, 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%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%. 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 Livingston, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Livingston 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 Livingston, California
Market share is the lender's share of all home loans closed in Livingston, 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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101 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 10 | 10.1% | 100% | $180,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 3% | 100% | $188,333 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 2% | 100% | $150,000 | View |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
Conventional | 2 | 2% | 100% | $65,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 2 | 2% | 100% | $190,000 | |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 2 | 2% | 100% | $65,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $315,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 33.3% | $95,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 1% | 100% | $405,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional | 3 | 3% | 75% | $231,666 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 2% | 33.3% | $385,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 2% | 100% | $290,000 | View |
Generations Home Loans, LLC
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Conventional, FHA | 2 | 2% | 100% | $210,000 | |
American Pacific Mortgage Corporation
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FHA, USDA | 2 | 2% | 100% | $295,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA | 2 | 2% | 50% | $275,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 1% | 100% | $355,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 1% | 100% | $195,000 | |
Flexpoint, Inc.
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Conventional | 1 | 1% | 100% | $325,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1% | 100% | $195,000 | |
Nexera Holding LLC
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FHA | 1 | 1% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1% | 25% | $325,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +3 HELOCs |
14.1% | 77.8% | $401,428 | |
Rocket Mortgage
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Conventional, FHA | 8 | 8.1% | 72.7% | $127,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 5.1% | 100% | $309,000 | |
Primelending
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Conventional | 3 | 3% | 100% | $361,666 | |
Newrez LLC
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Conventional | 3 | 3% | 75% | $288,333 | |
Nationstar Mortgage
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Conventional | 3 | 3% | 75% | $78,333 | |
21St Mortgage
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Conventional | 3 | 3% | 100% | $245,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 2% | 100% | $360,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 1% | 100% | $395,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1% | 100% | $115,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 1% | 33.3% | $335,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1% | 100% | $285,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1% | 50% | $135,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1% | 100% | $175,000 | |
Nqm Funding, LLC
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Conventional | 1 | 1% | 100% | $295,000 | |
Starboard Financial Management, LLC
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Conventional | 1 | 1% | 100% | $295,000 | |
Mortgage Solutions of Colorado
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Conventional | 1 | 1% | 100% | $285,000 | |
Agwest Farm Credit, Flca
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Conventional | 1 | 1% | 100% | $575,000 | |
The Loan Store, Inc
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Conventional | 1 | 1% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1% | 100% | $105,000 | |
Spring Eq, LLC
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Conventional | 1 | 1% | 25% | $65,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 1% | 100% | $95,000 | |
Village Capital & Investment
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FHA | 1 | 1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Livingston 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 Livingston, California
Looking for mortgage lenders near me or mortgage brokers near me in Livingston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Livingston in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Livingston, CA
Use these to narrow the list above. Each category shows how many Livingston, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Livingston, CA
Independent mortgage companies closed 74.7 percent of home loans in Livingston, California in 2025, banks 9.1 percent and credit unions 16.2 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Merced School Employees Federal Credit Union the largest credit union. Among lenders headquartered in California, Merced School Employees Federal Credit Union led with 10 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 Livingston, CA
By home loans closed in 2025, Merced School Employees Federal Credit Union was the largest mortgage lender in Livingston, California with 10 loans, about 10.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Livingston, California in 2025, led by United Wholesale Mortgage with 6. 1 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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. 7 banks and 5 credit unions closed home loans in Livingston, California in 2025, alongside 39 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 Livingston, 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 Livingston, 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 Livingston. 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.
