Mortgage Lenders and Brokers in Nevada City, 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
Nevada City, California mortgage lenders include Tri Counties BankTri Counties Bank305 Railroad Ave, Nevada City, CA 95959A+5.0 ★Texas Ratio: 5.34%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Sierra Central Credit UnionSierra Central Credit Union5026 Rhonda Rd, Anderson, CA 96007A+5.0 ★Texas Ratio: 3.22%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, and Technology Credit UnionTechnology Credit Union10051 S De Anza Blvd, Cupertino, CA 95014 2105A+5.0 ★Texas Ratio: 3.57%. 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 Nevada City, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Nevada City 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 Nevada City, California
Market share is the lender's share of all home loans closed in Nevada City, 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 Nevada City 305 Railroad Ave, Nevada City, CA 95959 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +15 HELOCs |
0.6% | 100% | $65,000 | View |
|
1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 2 | 1.1% | 100% | $405,000 | View |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 2 | 1.1% | 100% | $310,000 | View |
|
5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +7 HELOCs |
0.6% | 100% | $355,000 | View |
|
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $125,000 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $85,000 | View |
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.6% | 50% | $805,000 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.6% | 33.3% | $565,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.6% | 100% | $205,000 | |
|
10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.6% | 100% | $355,000 | View |
|
390 Elm Ave, Auburn, CA 95603 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 1 | 0.6% | 100% | $415,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
American Pacific Mortgage Corporation
|
Conventional | 6 | 3.4% | 100% | $326,666 | |
Guild Mortgage Company
|
Conventional | 5 | 2.9% | 100% | $305,000 | |
Pennymac Loan Services LLC
|
Conventional | 4 | 2.3% | 80% | $515,000 | |
loanDepot.com LLC
|
Conventional | 3 | 1.7% | 100% | $471,666 | |
MortgageOne, Inc
|
Conventional | 2 | 1.1% | 100% | $510,000 | |
Land Home Financial Services,
|
Conventional | 2 | 1.1% | 100% | $560,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 2 | 1.1% | 66.7% | $375,000 | |
New American Funding, LLC.
|
Conventional | 2 | 1.1% | 100% | $365,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 2 | 1.1% | 66.7% | $375,000 | |
Alameda Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $225,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.6% | 50% | $415,000 | |
Resicentral LLC
|
Conventional | 1 | 0.6% | 100% | $805,000 | |
AmWest Funding Corp
|
Conventional | 1 | 0.6% | 100% | $315,000 | |
Flexpoint, Inc.
|
Conventional | 1 | 0.6% | 100% | $195,000 | |
Summit Funding.Inc
|
Conventional | 1 | 0.6% | 100% | $545,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.6% | 50% | $525,000 | |
Nmsi, Inc.
|
Conventional | 1 | 0.6% | 100% | $325,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.6% | 50% | $525,000 | |
Carrington Mortgage Services LLC
|
VA | 1 | 0.6% | 100% | $605,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 35 +2 HELOCs |
20% | 90.2% | $478,428 | |
The Loan Store, Inc
|
Conventional, HELOC | 24 +1 HELOCs |
13.7% | 100% | $445,416 | |
Rocket Mortgage
|
Conventional, VA | 20 | 11.4% | 91.7% | $402,000 | |
Movement Mortgage, LLC
|
Conventional | 7 | 4% | 100% | $372,142 | |
Nationstar Mortgage
|
Conventional | 4 | 2.3% | 100% | $420,000 | |
Newrez LLC
|
Conventional | 3 | 1.7% | 75% | $431,666 | |
|
A+5.0 ★Texas Ratio: 4.67% |
Conventional | 3 | 1.7% | 42.9% | $311,666 | View |
CrossCountry Mortgage, LLC
|
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.1% | 100% | $440,000 | |
American Financial Resources LLC
|
FHA | 2 | 1.1% | 100% | $460,000 | |
Freedom Mortgage Corporation
|
Conventional, FHA | 2 | 1.1% | 66.7% | $575,000 | |
Union Home Mortgage Corp.
|
Conventional | 2 | 1.1% | 50% | $390,000 | |
HomeBridge Financial Services, Inc
|
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $345,000 | |
Alliant Credit Union
|
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $565,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $105,000 | View |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
Royal United Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $55,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.6% | 100% | $555,000 | View |
Greenstate Credit Union
|
Conventional | 1 | 0.6% | 100% | $405,000 | |
Nbkc Bank
|
Conventional | 1 | 0.6% | 100% | $415,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
Discover Bank
|
Conventional | 1 | 0.6% | 50% | $125,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.6% | 50% | $485,000 | View |
Waterstone Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $445,000 | |
|
A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
Better Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $715,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.6% | 100% | $795,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
Ark-La-Tex Financial Services LLC
|
FHA | 1 | 0.6% | 100% | $645,000 | |
Tomo Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $355,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.6% | 100% | $635,000 | View |
Guaranteed Rate, Inc.
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Nevada City 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 Nevada City, California
Looking for mortgage lenders near me or mortgage brokers near me in Nevada City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Nevada City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Nevada City, CA
Use these to narrow the list above. Each category shows how many Nevada City, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Nevada City, CA
Independent mortgage companies closed 85.1 percent of home loans in Nevada City, California in 2025, banks 8.6 percent and credit unions 6.3 percent. Synergy One Lending, Inc. was the largest mortgage company, Tri Counties Bank the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank 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 Nevada City, CA
By home loans closed in 2025, Tri Counties Bank was the largest mortgage lender in Nevada City, California with 1 loans, about 0.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Nevada City, California in 2025, led by United Wholesale Mortgage with 3. 4 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. 19 banks and 13 credit unions closed home loans in Nevada City, California in 2025, alongside 42 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 Nevada City, 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 Nevada City, 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 Nevada City. 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.
