Mortgage Lenders and Brokers in Monterey, 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
Monterey, California mortgage lenders include US Bank, N.A.US Bank, N.A.495 Washington St, Monterey, CA 93940A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA291 Alvarado St, Monterey, CA 93940A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA399 Alvarado St, Monterey, CA 93940A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA200 E Franklin St, Monterey, CA 93940A+5.0 ★Texas Ratio: 4.14%, Mechanics BankMechanics Bank439 Alvarado St, Monterey, CA 93940A+5.0 ★Texas Ratio: 1.81%, BMO Harris Bank NABMO Harris Bank NA1050 Del Monte Ctr, Monterey, CA 93940A+5.0 ★Texas Ratio: 3.54%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, 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 Monterey, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Monterey 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 Monterey, California
Market share is the lender's share of all home loans closed in Monterey, 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 Monterey 495 Washington St, Monterey, CA 93940 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 7 +3 HELOCs |
3.6% | 63.6% | $1,042,142 | View |
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1 office in Monterey 291 Alvarado St, Monterey, CA 93940 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 7 | 3.6% | 87.5% | $763,571 | View |
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1 office in Monterey 399 Alvarado St, Monterey, CA 93940 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 7 | 3.6% | 77.8% | $865,000 | View |
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1 office in Monterey 200 E Franklin St, Monterey, CA 93940 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +12 HELOCs |
2.6% | 100% | $611,000 | View |
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1 office in Monterey 439 Alvarado St, Monterey, CA 93940 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.5% | 100% | $1,555,000 | View |
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1 office in Monterey 1050 Del Monte Ctr, Monterey, CA 93940 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 50% | $1,005,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA, Jumbo | 9 | 4.6% | 100% | $796,111 | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
2.1% | 57.1% | $945,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo | 3 | 1.5% | 100% | $888,333 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $410,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1% | 66.7% | $1,360,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $275,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.5% | 100% | $1,105,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $75,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $105,000 | View |
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1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.5% | 100% | $575,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.5% | 100% | $415,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 0.5% | 100% | $3,005,000 | 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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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Summit Funding.Inc
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Conventional, Jumbo | 5 | 2.6% | 100% | $521,000 | |
loanDepot.com LLC
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.5% | 75% | $608,333 | |
Guild Mortgage Company
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Conventional | 2 | 1% | 100% | $555,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 1% | 100% | $580,000 | |
Fundloans Capital
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,085,000 | |
Augusta Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $365,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Stg Mortgage Inc
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VA | 1 | 0.5% | 100% | $815,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.5% | 100% | $905,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.5% | 50% | $305,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $715,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.5% | 100% | $905,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $235,000 | |
New American Funding, LLC.
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VA, Jumbo | 1 | 0.5% | 50% | $1,005,000 | |
Paramount Residential Mortgage
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VA | 1 | 0.5% | 100% | $555,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 25 +3 HELOCs |
12.9% | 96.2% | $705,400 | |
Rocket Mortgage
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Conventional, Jumbo | 24 | 12.4% | 92.3% | $732,916 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 12 | 6.2% | 100% | $770,000 | |
Newrez LLC
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Conventional | 7 | 3.6% | 87.5% | $490,714 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
2.1% | 57.1% | $657,500 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 4 | 2.1% | 100% | $1,197,500 | |
The Loan Store, Inc
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Conventional | 4 | 2.1% | 100% | $662,500 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 1.5% | 100% | $758,333 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,591,666 | View |
Spring Eq, LLC
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Conventional | 3 | 1.5% | 60% | $101,666 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +2 HELOCs |
1% | 100% | $285,000 | |
Originpoint, LLC
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Conventional, Jumbo | 2 | 1% | 100% | $2,140,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1% | 66.7% | $375,000 | |
Emporium Tpo LLC
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Conventional, Jumbo | 2 | 1% | 100% | $970,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo | 2 | 1% | 100% | $1,025,000 | View |
Genisys Credit Union
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,105,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
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B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
Primelending
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VA | 1 | 0.5% | 100% | $835,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $915,000 | |
Oaktree Funding Corp
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,395,000 | |
Intercap Lending Inc
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Conventional | 1 | 0.5% | 100% | $575,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.5% | 100% | $595,000 | View |
Warshaw Capital, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,425,000 | |
BoxCar Mortgage, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,205,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.5% | 100% | $2,485,000 | View |
Nationstar Mortgage
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VA | 1 | 0.5% | 50% | $625,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.5% | 50% | $405,000 | |
Quorum Federal Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +2 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 | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Monterey 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 Monterey, California
Looking for mortgage lenders near me or mortgage brokers near me in Monterey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Monterey in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Monterey, CA
Use these to narrow the list above. Each category shows how many Monterey, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Monterey, CA
Independent mortgage companies closed 70.1 percent of home loans in Monterey, California in 2025, banks 22.7 percent and credit unions 7.2 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 5 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 Monterey, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Monterey, California with 7 loans, about 3.6 percent of the market. The largest lender headquartered in California was Bank of America NA with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Monterey, California in 2025, led by Synergy One Lending, Inc. with 1. 7 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.
Yes. 21 banks and 19 credit unions closed home loans in Monterey, California in 2025, alongside 43 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 Monterey, 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 Monterey, 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 Monterey. 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.
