Mortgage Lenders and Brokers in Oakdale, 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
Oakdale, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA325 E F St, Oakdale, CA 95361A+5.0 ★Texas Ratio: 3.68%, Bank of StocktonBank of Stockton1376 E F St, Oakdale, CA 95361A+5.0 ★Texas Ratio: 0.21%, BMO Harris Bank NABMO Harris Bank NA134 S Maag Ave, Oakdale, CA 95361A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA305 E F St, Oakdale, CA 95361A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, 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 Oakdale, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakdale 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 Oakdale, California
Market share is the lender's share of all home loans closed in Oakdale, 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 Oakdale 325 E F St, Oakdale, CA 95361 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +2 HELOCs |
1% | 100% | $255,000 | View |
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1 office in Oakdale 1376 E F St, Oakdale, CA 95361 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 0.5% | 33.3% | $190,000 | View |
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1 office in Oakdale 134 S Maag Ave, Oakdale, CA 95361 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $305,000 | View |
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1 office in Oakdale 305 E F St, Oakdale, CA 95361 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 4 +3 HELOCs |
1% | 66.7% | $315,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 3 | 0.8% | 100% | $341,666 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, FHA, HELOC | 2 +10 HELOCs |
0.5% | 66.7% | $370,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $445,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 100% | $150,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $105,000 | 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 +2 HELOCs |
0.3% | 100% | $225,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $435,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 100% | $385,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 1 | 0.3% | 33.3% | $405,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 35 | 9.1% | 100% | $440,714 | |
Guild Mortgage Company
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Conventional, FHA | 22 | 5.7% | 100% | $343,181 | |
Generations Home Loans, LLC
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Conventional, FHA, VA | 21 | 5.5% | 100% | $415,476 | |
Kind Lending, LLC
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Conventional, FHA, VA | 12 | 3.1% | 85.7% | $445,000 | |
loanDepot.com LLC
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Conventional, FHA | 11 | 2.9% | 84.6% | $250,454 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 1.6% | 85.7% | $286,666 | |
Franklin Loan Corporation
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Conventional | 5 | 1.3% | 100% | $269,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 4 | 1% | 100% | $342,500 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 3 | 0.8% | 100% | $451,666 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 0.8% | 100% | $321,666 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $530,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 0.5% | 66.7% | $310,000 | View |
Flexpoint, Inc.
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FHA | 2 | 0.5% | 100% | $500,000 | |
Provident Funding Associates
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Conventional | 2 | 0.5% | 66.7% | $300,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 2 | 0.5% | 100% | $415,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.5% | 100% | $180,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Goodleap, LLC
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FHA | 1 | 0.3% | 100% | $505,000 | |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 50% | $355,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $485,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.3% | 66.7% | $545,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $465,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 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 | 52 +2 HELOCs |
13.5% | 93% | $404,038 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 37 | 9.6% | 81.2% | $275,270 | |
Spring Eq, LLC
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Conventional, HELOC | 11 +2 HELOCs |
2.9% | 56.5% | $64,090 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 11 +1 HELOCs |
2.9% | 100% | $435,909 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 10 | 2.6% | 100% | $491,000 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 10 | 2.6% | 76.9% | $516,000 | |
Nationstar Mortgage
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Conventional, FHA | 8 | 2.1% | 72.7% | $237,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1.8% | 87.5% | $505,000 | |
Newrez LLC
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Conventional | 6 | 1.6% | 66.7% | $310,000 | |
Mortgage Research Center
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VA | 6 | 1.6% | 75% | $478,333 | |
Everett Financial, Inc.
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Conventional, FHA | 5 | 1.3% | 100% | $211,000 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1% | 100% | $552,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 1% | 100% | $220,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.8% | 57.1% | $345,000 | |
Triad Financial Services, Inc.
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Conventional | 3 | 0.8% | 87.5% | $141,666 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.8% | 50% | $121,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 0.8% | 60% | $358,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $400,000 | View |
Primary Residential Mortgage, INC.
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Conventional | 2 | 0.5% | 100% | $240,000 | |
Kwik Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $295,000 | |
21St Mortgage
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Conventional | 2 | 0.5% | 66.7% | $100,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $335,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $65,000 | |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $495,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 0.3% | 100% | $525,000 | View |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $665,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $585,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $965,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.3% | 50% | $85,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $545,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.3% | 100% | $545,000 | View |
Gardner Financial Services
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Conventional | 1 | 0.3% | 100% | $435,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Saygo Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $455,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 33.3% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $605,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.3% | 100% | $475,000 | |
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Boeing Employees' Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oakdale 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 Oakdale, California
Looking for mortgage lenders near me or mortgage brokers near me in Oakdale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakdale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oakdale, CA
Use these to narrow the list above. Each category shows how many Oakdale, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Oakdale, CA
Independent mortgage companies closed 90.9 percent of home loans in Oakdale, California in 2025, banks 5.7 percent and credit unions 3.4 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of Stockton led with 2 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 Oakdale, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oakdale, California with 4 loans, about 1 percent of the market. The largest lender headquartered in California was Bank of Stockton with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oakdale, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93 percent, against a 85.2 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.
30 lenders closed FHA loans in Oakdale, California in 2025, led by United Wholesale Mortgage with 21. 15 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. 17 banks and 13 credit unions closed home loans in Oakdale, California in 2025, alongside 66 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 Oakdale, 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 Oakdale, 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 Oakdale. 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.
