Mortgage Lenders and Brokers in North Highlands, 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
North Highlands, California mortgage lenders include Bank of America NABank of America NA7465 Watt Ave, North Highlands, CA 95660A+5.0 ★Texas Ratio: 4.14%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union4636 Watt Ave, North Highlands, CA 95660A+5.0 ★Texas Ratio: 3.24%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA7477 Watt Ave, North Highlands, CA 95660A+5.0 ★Texas Ratio: 5.36%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, and Heritage Community Credit UnionHeritage Community Credit Union5329 Sunrise Blvd, Fair Oaks, CA 95628 3539A+5.0 ★Texas Ratio: 5.95%. 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 North Highlands, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in North Highlands 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 North Highlands, California
Market share is the lender's share of all home loans closed in North Highlands, 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 North Highlands 7465 Watt Ave, North Highlands, CA 95660 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +2 HELOCs |
1.3% | 83.3% | $381,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 6 +13 HELOCs |
1.6% | 46.2% | $233,333 | View |
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4636 Watt Ave, North Highlands, CA 95660 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 5 +4 HELOCs |
1.3% | 83.3% | $303,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 4 | 1% | 100% | $187,500 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 33.3% | $300,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 66.7% | $365,000 | View |
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7477 Watt Ave, North Highlands, CA 95660 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 66.7% | $275,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 2 | 0.5% | 66.7% | $370,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +8 HELOCs |
0.3% | 50% | $35,000 | View |
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5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $135,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $45,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.3% | 50% | $315,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.3% | 50% | $65,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +2 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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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA | 14 | 3.6% | 100% | $250,714 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 2.6% | 91.7% | $268,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 10 | 2.6% | 90.9% | $353,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 9 | 2.3% | 45.8% | $298,333 | |
Paramount Residential Mortgage
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Conventional, FHA | 9 | 2.3% | 100% | $271,666 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 2.1% | 61.5% | $277,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 4 | 1% | 66.7% | $200,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 4 | 1% | 80% | $362,500 | |
Summit Funding.Inc
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Conventional, FHA | 4 | 1% | 100% | $347,500 | |
Zillow Home Loans, LLC
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Conventional | 3 | 0.8% | 75% | $365,000 | |
Nexera Holding LLC
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Conventional | 3 | 0.8% | 100% | $185,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.5% | 66.7% | $365,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.5% | 100% | $370,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.5% | 66.7% | $195,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.5% | 33.3% | $170,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $335,000 | |
Alameda Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $475,000 | |
Resicentral LLC
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FHA | 1 | 0.3% | 100% | $415,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $405,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Ez Fundings Inc
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FHA | 1 | 0.3% | 100% | $465,000 | |
Flexpoint, Inc.
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VA | 1 | 0.3% | 100% | $455,000 | |
West Coast Mortgage Group & Realty Co
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Network Capital Funding Corporation
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VA | 1 | 0.3% | 100% | $315,000 | |
First Nations Home Finance Corporation
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Generations Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.3% | 100% | $385,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 68 +2 HELOCs |
17.6% | 81.4% | $382,205 | |
Rocket Mortgage
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Conventional, FHA, VA | 49 | 12.7% | 82.3% | $270,306 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 14 +3 HELOCs |
3.6% | 100% | $381,428 | |
Nationstar Mortgage
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Conventional, FHA, VA | 11 | 2.8% | 80% | $199,545 | |
Newrez LLC
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Conventional, FHA, VA | 7 | 1.8% | 70% | $306,428 | |
Triad Financial Services, Inc.
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Conventional | 5 | 1.3% | 71.4% | $81,000 | |
Amerisave Mortgage Company
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Conventional | 5 | 1.3% | 45.5% | $63,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +3 HELOCs |
1% | 41.7% | $60,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 4 +1 HELOCs |
1% | 80% | $330,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 4 | 1% | 80% | $290,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1% | 80% | $315,000 | |
Mortgage Research Center
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VA | 4 | 1% | 66.7% | $405,000 | |
21St Mortgage
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Conventional | 4 | 1% | 36.4% | $97,500 | |
Originpoint, LLC
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Conventional | 3 | 0.8% | 100% | $131,666 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA | 3 | 0.8% | 100% | $375,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 3 | 0.8% | 41.7% | $228,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.8% | 75% | $401,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.8% | 100% | $391,666 | |
Peak Residential Lending Inc
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Conventional, FHA | 3 | 0.8% | 100% | $498,333 | |
Churchill Mortgage Corporation
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Conventional | 3 | 0.8% | 100% | $268,333 | |
Better Mortgage Corporation
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Conventional, FHA | 3 | 0.8% | 75% | $391,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.5% | 100% | $510,000 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $230,000 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.5% | 100% | $315,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.5% | 100% | $495,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 2 | 0.5% | 100% | $390,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.5% | 66.7% | $95,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.5% | 66.7% | $320,000 | |
Quorum Federal Credit Union
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Conventional | 2 | 0.5% | 100% | $60,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $345,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.5% | 100% | $335,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.5% | 100% | $290,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $415,000 | |
Go Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $365,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $325,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 50% | $135,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $175,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 20% | $85,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $485,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.3% | 100% | $335,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $315,000 | View |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.3% | 100% | $415,000 | |
Leaderone Financial Corp.
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VA | 1 | 0.3% | 50% | $565,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $435,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 50% | $475,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A5.0 ★Texas Ratio: 10.53% |
HELOC | 0 +1 HELOCs |
0% | n/a |
North Highlands 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 North Highlands, California
Looking for mortgage lenders near me or mortgage brokers near me in North Highlands? The list below shows the banks, credit unions and mortgage brokers that closed home loans in North Highlands in 2025, with lenders based there listed first.
Types of Mortgage Lenders in North Highlands, CA
Use these to narrow the list above. Each category shows how many North Highlands, CA lenders fit and what that kind of lender is usually best for.
Who Lends in North Highlands, CA
Independent mortgage companies closed 88.9 percent of home loans in North Highlands, California in 2025, banks 6 percent and credit unions 5.2 percent. Guild Mortgage Company was the largest mortgage company, Bank of America 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 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 North Highlands, CA
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in North Highlands, California with 5 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in North Highlands, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 81.4 percent, against a 75.6 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.
38 lenders closed FHA loans in North Highlands, California in 2025, led by United Wholesale Mortgage with 22. 20 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. 16 banks and 16 credit unions closed home loans in North Highlands, California in 2025, alongside 79 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 North Highlands, 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 North Highlands, 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 North Highlands. 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.
