Mortgage Lenders and Brokers in Novato, 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
Novato, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1590 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 5.36%, Bank of MarinBank of Marin1450 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 2.03%, US Bank, N.A.US Bank, N.A.1711 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA1600 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1701 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA1313 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 3.54%, Columbia BankColumbia Bank1400 Grant Ave, Novato, CA 94945A+5.0 ★Texas Ratio: 2.28%, Redwood Credit UnionRedwood Credit Union1010 Grant Ave, Novato, CA 94945 3112A+5.0 ★Texas Ratio: 4.20%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%, and The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%. 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 Novato, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Novato 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 Novato, California
Market share is the lender's share of all home loans closed in Novato, 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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2 offices in Novato 1590 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, Jumbo | 33 | 5% | 91.7% | $921,060 | View |
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★ 2 stars, 1 review 3 offices in Novato 1450 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 28 | 4.3% | 78.4% | $157,500 | View |
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1 office in Novato 1711 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 21 +9 HELOCs |
3.2% | 80.8% | $923,095 | View |
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1 office in Novato 1600 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 15 +31 HELOCs |
2.3% | 88.2% | $759,000 | View |
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2 offices in Novato 1701 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 15 +3 HELOCs |
2.3% | 83.3% | $743,000 | View |
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1 office in Novato 1313 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 3 +5 HELOCs |
0.5% | 60% | $618,333 | View |
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1 office in Novato 1400 Grant Ave, Novato, CA 94945 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $325,000 | View |
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1010 Grant Ave, Novato, CA 94945 3112 A+5.0 ★Texas Ratio: 4.20% |
Conventional, Jumbo, HELOC | 35 +90 HELOCs |
5.3% | 63.2% | $531,571 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 5 | 0.8% | 80% | $287,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 4 +5 HELOCs |
0.6% | 100% | $1,267,500 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 100% | $775,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 3 | 0.5% | 100% | $475,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 0.5% | 100% | $1,631,666 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 100% | $1,140,000 | View |
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2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 2 | 0.3% | 100% | $690,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 2 | 0.3% | 100% | $785,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 2 | 0.3% | 100% | $2,095,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 2 | 0.3% | 100% | $100,000 | 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 | 1 +3 HELOCs |
0.2% | 50% | $605,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $1,075,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.2% | 100% | $605,000 | |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,575,000 | View |
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528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.2% | 100% | $845,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.2% | 100% | $1,085,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.2% | 66.7% | $635,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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140 Vintage Way Ste C1, Novato, CA 94945 5028 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +10 HELOCs |
0% | 0% | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 17 | 2.6% | 100% | $727,941 | |
American Pacific Mortgage Corporation
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Conventional, VA | 15 | 2.3% | 100% | $571,666 | |
Mason-McDuffie Mortgage Corporation
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Conventional, HELOC | 9 +1 HELOCs |
1.4% | 100% | $488,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 7 | 1.1% | 100% | $655,000 | |
Googain, Inc.
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Conventional | 6 | 0.9% | 100% | $618,333 | |
New American Funding, LLC.
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Conventional, VA, HELOC | 5 +2 HELOCs |
0.8% | 100% | $889,000 | |
Provident Funding Associates
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Conventional | 5 | 0.8% | 100% | $551,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 4 | 0.6% | 100% | $985,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $822,500 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.5% | 42.9% | $585,000 | |
MortgageOne, Inc
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Conventional | 3 | 0.5% | 100% | $678,333 | |
General Mortgage Capital Corporation
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Conventional | 3 | 0.5% | 100% | $705,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 3 | 0.5% | 60% | $725,000 | View |
Citadel Servicing Corporation
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Conventional | 3 | 0.5% | 100% | $721,666 | |
Paramount Residential Mortgage
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Conventional | 3 | 0.5% | 100% | $568,333 | |
JMAC Lending, Inc.
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Conventional | 3 | 0.5% | 100% | $908,333 | |
Generations Home Loans, LLC
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Conventional | 2 | 0.3% | 100% | $735,000 | |
Summit Funding.Inc
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Conventional | 2 | 0.3% | 100% | $470,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.3% | 66.7% | $565,000 | |
ML Mortgage Corp.
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FHA | 1 | 0.2% | 100% | $565,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $685,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 33.3% | $565,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $405,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $935,000 | |
Ahl Funding
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FHA | 1 | 0.2% | 100% | $685,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.2% | 100% | $435,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.2% | 100% | $635,000 | |
American Finance House Lariba
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Greenbox Loans
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Conventional | 1 | 0.2% | 100% | $755,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.2% | 100% | $695,000 | |
JSB Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $785,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.2% | 100% | $1,005,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 50% | $175,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $625,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.2% | 100% | $795,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 100% | $825,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 91 +1 HELOCs |
13.9% | 83.6% | $531,153 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 45 +5 HELOCs |
6.8% | 90.2% | $666,777 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 35 | 5.3% | 100% | $788,428 | |
Guaranteed Rate Affinity, LLC
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Conventional, HELOC | 17 +1 HELOCs |
2.6% | 100% | $640,882 | |
Everett Financial, Inc.
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Conventional, Jumbo | 15 | 2.3% | 100% | $811,666 | |
Newrez LLC
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Conventional, FHA, Jumbo | 15 | 2.3% | 71.4% | $873,666 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 9 | 1.4% | 100% | $660,555 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 9 | 1.4% | 100% | $830,555 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 8 +1 HELOCs |
1.2% | 100% | $862,500 | View |
Originpoint, LLC
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Conventional, FHA, Jumbo | 7 | 1.1% | 88.9% | $1,193,571 | |
Nationstar Mortgage
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Conventional | 7 | 1.1% | 100% | $332,142 | |
Vellum Mortgage, Inc.
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Conventional | 6 | 0.9% | 100% | $631,666 | |
The Loan Store, Inc
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Conventional, HELOC | 4 +1 HELOCs |
0.6% | 85.7% | $475,000 | |
Amerisave Mortgage Company
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Conventional | 4 | 0.6% | 50% | $110,000 | |
Mortgage Research Center
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VA, Jumbo | 4 | 0.6% | 80% | $890,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 4 | 0.6% | 100% | $450,000 | View |
Better Mortgage Corporation
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Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.5% | 60% | $551,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.5% | 100% | $445,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 0.5% | 100% | $1,491,666 | View |
Lakeview Loan Servicing, LLC
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Conventional | 3 | 0.5% | 30.8% | $311,666 | |
First Colony Mortgage Corporat
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Conventional | 3 | 0.5% | 100% | $708,333 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $388,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +9 HELOCs |
0.3% | 16.7% | $210,000 | |
Alliant Credit Union
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Conventional, HELOC | 2 +7 HELOCs |
0.3% | 100% | $725,000 | |
Arc Home LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,215,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.3% | 100% | $500,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $360,000 | |
Nfm, Inc
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FHA | 2 | 0.3% | 100% | $790,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $845,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.3% | 100% | $655,000 | View |
Luxury Mortgage Corp.
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Conventional, Jumbo | 2 | 0.3% | 66.7% | $1,100,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +11 HELOCs |
0.2% | 33.3% | $155,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $825,000 | View |
Pentagon Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.2% | 100% | $1,345,000 | |
Fourleaf Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,705,000 | |
Southwest Airlines FCU
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Conventional | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,105,000 | View |
Primelending
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,525,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $1,005,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $1,095,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
Homestead Funding Corp.
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Conventional | 1 | 0.2% | 100% | $955,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $705,000 | View |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.2% | 100% | $955,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $685,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $625,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $1,055,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.2% | 100% | $1,055,000 | |
Abbott Laboratories Employees Credit Union
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $1,035,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 50% | $635,000 | View |
State Departmenet Federal Credit Union
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Conventional | 1 | 0.2% | 50% | $455,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $175,000 | View |
First Technology Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Ark-La-Tex Financial Services LLC
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VA, Jumbo | 1 | 0.2% | 100% | $1,275,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Quorum Federal Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Oaktree Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte 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 | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Novato 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 Novato, California
Looking for mortgage lenders near me or mortgage brokers near me in Novato? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Novato in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Novato, CA
Use these to narrow the list above. Each category shows how many Novato, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Novato, CA
Independent mortgage companies closed 65.9 percent of home loans in Novato, California in 2025, banks 24.5 percent and credit unions 9.6 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Bank of Marin led with 28 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 Novato, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Novato, California with 33 loans, about 5 percent of the market. The largest lender headquartered in California was Bank of Marin with 28 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Novato, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 83.6 percent, against a 84.6 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.
13 lenders closed FHA loans in Novato, California in 2025, led by United Wholesale Mortgage with 8. 11 lenders closed VA loans, led by Mortgage Research Center. 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. 36 banks and 29 credit unions closed home loans in Novato, California in 2025, alongside 86 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 Novato, 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 Novato, 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 Novato. 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.
