Mortgage Lenders and Brokers in Los Banos, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Los Banos, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA550 K St, Los Banos, CA 93635A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA461 J St, Los Banos, CA 93635A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA556 I St, Los Banos, CA 93635A+5.0 ★Texas Ratio: 4.14%, Mechanics BankMechanics Bank601 I St, Los Banos, CA 93635A+5.0 ★Texas Ratio: 1.81%, Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union1890 S Mercy Springs Rd, Los Banos, CA 93635A+5.0 ★Texas Ratio: 1.23%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Mirastar Federal Credit UnionMirastar Federal Credit Union1638 W Campbell Ave, Campbell, CA 95008A5.0 ★Texas Ratio: 6.21%, and Bay Federal Credit UnionBay Federal Credit Union48 Rancho Del Mar, Aptos, CA 95003A+5.0 ★Texas Ratio: 1.88%. 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 Los Banos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Los Banos 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 Los Banos, California
Market share is the lender's share of all home loans closed in Los Banos, 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 |
|---|---|---|---|---|---|---|
|
1 office in Los Banos 550 K St, Los Banos, CA 93635 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 16 +1 HELOCs |
2.6% | 84.2% | $319,375 | View |
|
1 office in Los Banos 461 J St, Los Banos, CA 93635 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1% | 66.7% | $386,666 | View |
|
1 office in Los Banos 556 I St, Los Banos, CA 93635 A+5.0 ★Texas Ratio: 4.14% |
FHA, HELOC | 1 +16 HELOCs |
0.2% | 100% | $395,000 | View |
|
1 office in Los Banos 601 I St, Los Banos, CA 93635 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1890 S Mercy Springs Rd, Los Banos, CA 93635 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 9 | 1.4% | 83.3% | $125,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 6 | 1% | 100% | $333,333 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 6 | 1% | 85.7% | $438,333 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 3 | 0.5% | 100% | $208,333 | View |
|
1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 66.7% | $255,000 | View |
|
48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $510,000 | View |
|
5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 2 | 0.3% | 100% | $75,000 | View |
|
1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $125,000 | View |
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 11.1% | $155,000 | View |
|
19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.2% | 100% | $355,000 | |
|
901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
|
1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
|
2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22% |
FHA | 1 | 0.2% | 100% | $515,000 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
|
10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 28 +3 HELOCs |
4.5% | 82.4% | $328,571 | |
Paramount Residential Mortgage
|
Conventional, FHA, VA | 18 | 2.9% | 100% | $295,000 | |
Guild Mortgage Company
|
Conventional, FHA | 12 | 1.9% | 100% | $409,166 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 10 | 1.6% | 77.3% | $278,000 | View |
Land Home Financial Services,
|
Conventional, FHA | 10 | 1.6% | 91.7% | $420,000 | |
Golden Empire Mortgage, Inc.
|
Conventional, FHA, VA | 9 | 1.4% | 100% | $267,222 | |
MortgageOne, Inc
|
Conventional, VA | 8 | 1.3% | 100% | $507,500 | |
Flexpoint, Inc.
|
Conventional, FHA | 8 | 1.3% | 90.9% | $362,500 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 7 | 1.1% | 77.8% | $287,857 | |
Mission Loans, LLC
|
Conventional, FHA | 7 | 1.1% | 100% | $379,285 | |
New American Funding, LLC.
|
Conventional, FHA | 7 | 1.1% | 77.8% | $312,142 | |
Kind Lending, LLC
|
Conventional, FHA, VA | 6 | 1% | 66.7% | $450,000 | |
AmWest Funding Corp
|
Conventional, FHA | 6 | 1% | 85.7% | $386,666 | |
ML Mortgage Corp.
|
Conventional, FHA | 5 | 0.8% | 100% | $373,000 | |
Alameda Mortgage Corporation
|
Conventional, FHA | 3 | 0.5% | 100% | $321,666 | |
Bay-Valley Mortgage Group
|
Conventional | 3 | 0.5% | 100% | $261,666 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional, FHA | 3 | 0.5% | 100% | $421,666 | |
American Financial Network, Inc.
|
FHA, VA | 2 | 0.3% | 100% | $440,000 | |
Greenbox Loans
|
Conventional | 2 | 0.3% | 100% | $250,000 | |
Summit Funding.Inc
|
Conventional, FHA | 2 | 0.3% | 100% | $510,000 | |
Nmsi, Inc.
|
Conventional | 2 | 0.3% | 100% | $375,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $465,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.2% | 100% | $395,000 | |
Home Mortgage Alliance Corp (Hmac)
|
Conventional | 1 | 0.2% | 50% | $95,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.2% | 100% | $255,000 | |
Ahl Funding
|
Conventional | 1 | 0.2% | 100% | $475,000 | |
Royal Pacific Funding
|
FHA | 1 | 0.2% | 100% | $535,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
Generations Home Loans, LLC
|
FHA | 1 | 0.2% | 100% | $455,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
Franklin Loan Corporation
|
Conventional | 1 | 0.2% | 100% | $415,000 | |
American Pacific Mortgage Corporation
|
VA | 1 | 0.2% | 50% | $465,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $455,000 | |
Mason-McDuffie Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $345,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $115,000 | |
Figure Lending LLC
|
HELOC | 0 +9 HELOCs |
0% | n/a | ||
Goodleap, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
DHI Mortgage Company, LTD.
|
Conventional, FHA, VA | 76 | 12.2% | 89.4% | $468,947 | |
Rocket Mortgage
|
Conventional, FHA, VA, HELOC | 68 +1 HELOCs |
10.9% | 80.4% | $272,058 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 66 +5 HELOCs |
10.6% | 83.5% | $410,303 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 34 | 5.5% | 94.4% | $332,352 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 14 | 2.2% | 82.4% | $440,714 | |
Freedom Mortgage Corporation
|
FHA, VA | 10 | 1.6% | 90.9% | $471,000 | |
Nationstar Mortgage
|
Conventional | 8 | 1.3% | 72.7% | $131,250 | |
Newrez LLC
|
Conventional, FHA | 7 | 1.1% | 46.7% | $182,142 | |
The Loan Store, Inc
|
Conventional, FHA, HELOC | 6 +3 HELOCs |
1% | 100% | $410,000 | |
Premier Mortgage Resources, LLC
|
Conventional | 6 | 1% | 100% | $373,333 | |
Self Help Federal Credit Union
|
Conventional | 6 | 1% | 100% | $411,666 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 5 | 0.8% | 100% | $447,000 | |
CrossCountry Mortgage, LLC
|
Conventional, HELOC | 4 +2 HELOCs |
0.6% | 100% | $235,000 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional, VA, HELOC | 4 +1 HELOCs |
0.6% | 100% | $392,500 | View |
Guaranteed Rate Affinity, LLC
|
Conventional, FHA | 4 | 0.6% | 100% | $342,500 | |
Leaderone Financial Corp.
|
Conventional, FHA | 4 | 0.6% | 100% | $222,500 | |
Village Capital & Investment
|
FHA, VA | 4 | 0.6% | 44.4% | $445,000 | |
Allied Mortgage Group, Inc
|
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.5% | 100% | $315,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 3 | 0.5% | 100% | $295,000 | |
Amerisave Mortgage Company
|
Conventional | 3 | 0.5% | 25% | $48,333 | |
Ameritrust Mortgage Corporation
|
Conventional, FHA | 3 | 0.5% | 100% | $181,666 | |
Nations Direct Mortgage, LLC
|
Conventional, FHA | 3 | 0.5% | 100% | $335,000 | |
21St Mortgage
|
Conventional | 3 | 0.5% | 27.3% | $141,666 | |
Primelending
|
Conventional, FHA | 2 | 0.3% | 85.7% | $255,000 | |
Equity Prime Mortgage LLC
|
Conventional, FHA | 2 | 0.3% | 66.7% | $350,000 | |
Triad Financial Services, Inc.
|
Conventional | 2 | 0.3% | 60% | $145,000 | |
Deephaven Mortgage LLC
|
Conventional | 2 | 0.3% | 66.7% | $305,000 | |
HomeBridge Financial Services, Inc
|
FHA | 2 | 0.3% | 100% | $410,000 | |
Discover Bank
|
Conventional | 2 | 0.3% | 33.3% | $125,000 | |
First Colony Mortgage Corporat
|
Conventional, FHA | 2 | 0.3% | 100% | $390,000 | |
Mortgage Research Center
|
VA | 2 | 0.3% | 50% | $455,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 2 | 0.3% | 100% | $335,000 | |
Mutual of Omaha Mortgage
|
Conventional | 2 | 0.3% | 66.7% | $420,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 0.3% | 66.7% | $120,000 | View |
|
A-5.0 ★Texas Ratio: 14.97% |
VA | 2 | 0.3% | 100% | $340,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.3% | 100% | $215,000 | View |
Luxury Mortgage Corp.
|
Conventional | 2 | 0.3% | 100% | $300,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 15.4% | $65,000 | |
Everett Financial, Inc.
|
FHA | 1 | 0.2% | 100% | $505,000 | |
Lakeview Loan Servicing, LLC
|
VA | 1 | 0.2% | 18.2% | $515,000 | |
Envoy Mortgage, Ltd
|
FHA | 1 | 0.2% | 100% | $525,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 100% | $495,000 | |
Fed Ex Employees Credit Association
|
Conventional | 1 | 0.2% | 100% | $65,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.2% | 50% | $405,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
|
Conventional | 1 | 0.2% | 100% | $485,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $535,000 | |
Geneva Financial LLC
|
FHA | 1 | 0.2% | 100% | $535,000 | |
|
B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.2% | 100% | $415,000 | View |
Mortgage Solutions of Colorado
|
FHA | 1 | 0.2% | 100% | $325,000 | |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 50% | $115,000 | View |
Liberty Home Mortgage Corp
|
Conventional | 1 | 0.2% | 100% | $285,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.2% | 50% | $335,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 50% | $545,000 | View |
Tomo Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $405,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Los Banos 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 Los Banos, California
Looking for mortgage lenders near me or mortgage brokers near me in Los Banos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Los Banos in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Los Banos, CA
Use these to narrow the list above. Each category shows how many Los Banos, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Los Banos, CA
Independent mortgage companies closed 88.3 percent of home loans in Los Banos, California in 2025, banks 7.7 percent and credit unions 4 percent. Sun West Mortgage Company, 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, Bank of America NA led with 1 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 Los Banos, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Los Banos, California with 16 loans, about 2.6 percent of the market. The largest lender headquartered in California was Bank of America NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Los Banos, California, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 89.4 percent, against a 80.2 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.
51 lenders closed FHA loans in Los Banos, California in 2025, led by DHI Mortgage Company, LTD. with 45. 18 lenders closed VA loans, led by DHI Mortgage Company, LTD.. 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. 26 banks and 19 credit unions closed home loans in Los Banos, California in 2025, alongside 86 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 Los Banos, 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 Los Banos, 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 Los Banos. 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.
