Mortgage Lenders and Brokers in Moraga, 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
Moraga, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1399 Moraga Way, Moraga, CA 94556A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1299 School St, Moraga, CA 94556A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1400 Moraga Way, Moraga, CA 94556A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%. 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 Moraga, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Moraga 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 Moraga, California
Market share is the lender's share of all home loans closed in Moraga, 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 Moraga 1399 Moraga Way, Moraga, CA 94556 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 16 | 6.8% | 94.1% | $972,500 | View |
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1 office in Moraga 1299 School St, Moraga, CA 94556 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 13 | 5.5% | 100% | $1,165,769 | View |
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1400 Moraga Way, Moraga, CA 94556 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 13 +11 HELOCs |
5.5% | 92.9% | $1,430,384 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 10 | 4.2% | 100% | $1,546,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 9 +5 HELOCs |
3.8% | 81.8% | $1,611,666 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 5 | 2.1% | 83.3% | $1,393,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 5 | 2.1% | 100% | $1,231,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
1.7% | 100% | $1,667,500 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 3 | 1.3% | 100% | $1,515,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 2 +9 HELOCs |
0.8% | 100% | $1,520,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +4 HELOCs |
0.8% | 100% | $610,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 66.7% | $840,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional | 2 | 0.8% | 100% | $265,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 2 | 0.8% | 100% | $920,000 | 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 |
0.4% | 100% | $1,175,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,425,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 33.3% | $1,105,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo | 1 | 0.4% | 50% | $1,935,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,405,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional | 1 | 0.4% | 100% | $1,175,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 0.4% | 100% | $1,005,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.4% | 100% | $1,095,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 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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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 7 | 3% | 87.5% | $1,120,714 | |
New American Funding, LLC.
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Conventional, VA, Jumbo | 6 | 2.5% | 100% | $958,333 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +2 HELOCs |
1.7% | 100% | $375,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.8% | 100% | $1,120,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 100% | $505,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 100% | $1,065,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $1,165,000 | |
Googain, Inc.
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $445,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.4% | 100% | $785,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $145,000 | |
SnapFi, Inc.
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Conventional | 1 | 0.4% | 100% | $755,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $1,005,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $755,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 20 | 8.4% | 100% | $1,115,500 | |
Rocket Mortgage
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Conventional, Jumbo | 18 | 7.6% | 78.3% | $875,000 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 16 +1 HELOCs |
6.8% | 100% | $766,250 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 9 | 3.8% | 100% | $1,112,777 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 7 +1 HELOCs |
3% | 100% | $973,571 | View |
Originpoint, LLC
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Conventional, Jumbo | 7 | 3% | 100% | $1,109,285 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
2.5% | 100% | $1,106,666 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, USDA, Jumbo, HELOC | 6 +1 HELOCs |
2.5% | 100% | $681,666 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 1.3% | 100% | $988,333 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.8% | 50% | $275,000 | |
Fourleaf Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.4% | 100% | $1,305,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,275,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $1,205,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.4% | 50% | $995,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $1,065,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.4% | 100% | $475,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $305,000 | |
Intercap Lending Inc
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Conventional | 1 | 0.4% | 100% | $805,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Cardinal Financial Company, Li
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,685,000 | |
Mortgage Research Center
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VA | 1 | 0.4% | 100% | $1,085,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,485,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Amerisave Mortgage Company
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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 | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Moraga 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 Moraga, California
Looking for mortgage lenders near me or mortgage brokers near me in Moraga? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Moraga in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Moraga, CA
Use these to narrow the list above. Each category shows how many Moraga, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Moraga, CA
Independent mortgage companies closed 50.2 percent of home loans in Moraga, California in 2025, banks 42.2 percent and credit unions 7.6 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 13 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 Moraga, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Moraga, California with 16 loans, about 6.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Moraga, California in 2025, led by AdvantageFirst Lending Inc with 1. 2 lenders closed VA loans, led by New American Funding, LLC., 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. 25 banks and 21 credit unions closed home loans in Moraga, California in 2025, alongside 37 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 Moraga, 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 Moraga, 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 Moraga. 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.
