Mortgage Lenders and Brokers in Loyalton, 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
Loyalton, California mortgage lenders include Sierra Central Credit UnionSierra Central Credit Union5026 Rhonda Rd, Anderson, CA 96007A+5.0 ★Texas Ratio: 3.22%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, loanDepot.com LLCloanDepot.com LLCIrvine, CA, Pennymac Loan Services LLCPennymac Loan Services LLCWestlake Village, CA, Kind Lending, LLCKind Lending, LLCIrvine, CA, Sierra Pacific Mortgage Co. IncSierra Pacific Mortgage Co. IncFolsom, CA, and Zillow Home Loans, LLCZillow Home Loans, LLCIrvine, CA. 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 Loyalton, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Loyalton 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 Loyalton, California
Market share is the lender's share of all home loans closed in Loyalton, 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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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
2.6% | 100% | $155,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +1 HELOCs |
2.6% | 50% | $85,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, VA | 4 | 10.3% | 100% | $162,500 | |
Pennymac Loan Services LLC
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Conventional | 2 | 5.1% | 50% | $430,000 | |
Kind Lending, LLC
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Conventional | 1 | 2.6% | 100% | $485,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 2.6% | 100% | $195,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 2.6% | 100% | $125,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 20.5% | 100% | $331,250 | |
Rocket Mortgage
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Conventional, FHA | 7 | 17.9% | 70% | $172,142 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 5.1% | 100% | $260,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 5.1% | 100% | $300,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
2.6% | 100% | $55,000 | |
Originpoint, LLC
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Conventional | 1 | 2.6% | 100% | $205,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 2.6% | 100% | $495,000 | |
American Financing Corporation
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FHA | 1 | 2.6% | 100% | $305,000 | |
Bay Equity LLC
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Conventional | 1 | 2.6% | 100% | $325,000 | |
Nationstar Mortgage
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Conventional | 1 | 2.6% | 100% | $105,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 2.6% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 2.6% | 100% | $225,000 | View |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 2.6% | 100% | $885,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Loyalton 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 Loyalton, California
Looking for mortgage lenders near me or mortgage brokers near me in Loyalton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Loyalton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Loyalton, CA
Use these to narrow the list above. Each category shows how many Loyalton, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Loyalton, CA
Independent mortgage companies closed 92.3 percent of home loans in Loyalton, California in 2025, banks 2.6 percent and credit unions 5.1 percent. loanDepot.com LLC was the largest mortgage company, Bank of America NA the largest bank and Sierra Central Credit Union the largest credit union. Among lenders headquartered in California, Sierra Central Credit Union 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 Loyalton, CA
By home loans closed in 2025, Sierra Central Credit Union was the largest mortgage lender in Loyalton, California with 1 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Loyalton, California in 2025, led by Sierra Pacific Mortgage Co. Inc with 1. 2 lenders closed VA loans, led by loanDepot.com LLC. 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. 4 banks and 2 credit unions closed home loans in Loyalton, California in 2025, alongside 18 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 Loyalton, 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 Loyalton, 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 Loyalton. 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.
