☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Oakland

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Oakland, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Oakland, California mortgage lenders include US Bank, N.A.US Bank, N.A.900 Fallon St, Oakland, CA 94607A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2051 Mountain Blvd, Oakland, CA 94611A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA3450 Fruitvale Ave, Oakland, CA 94602A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA4101 Piedmont Ave, Oakland, CA 94611A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA300 Lakeside Dr, Oakland, CA 94612A+5.0 ★Texas Ratio: 4.14%, East West BankEast West Bank900 Webster St, Oakland, CA 94607A+5.0 ★Texas Ratio: 2.84%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.400 Thomas L Berkley Way, Oakland, CA 94612A+5.0 ★Texas Ratio: 3.72%, BMO Harris Bank NABMO Harris Bank NA2023 Mountain Blvd, Oakland, CA 94611A+5.0 ★Texas Ratio: 3.54%, Fremont BankFremont Bank6300 College Ave, Oakland, CA 94618A+5.0 ★Texas Ratio: 4.11%, and Mechanics BankMechanics Bank1999 Harrison St, Oakland, CA 94612A+5.0 ★Texas Ratio: 1.81%. 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 Oakland, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakland 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 Oakland, California

Market share is the lender's share of all home loans closed in Oakland, 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
US Bank, N.A. 3 offices in Oakland 900 Fallon St, Oakland, CA 94607 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	131 +25 HELOCs	3.8%	83.5%	$826,755	View
JPMorgan Chase Bank, NA 9 offices in Oakland 2051 Mountain Blvd, Oakland, CA 94611 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	123 +10 HELOCs	3.5%	86.9%	$836,382	View
Wells Fargo Bank NA 6 offices in Oakland 3450 Fruitvale Ave, Oakland, CA 94602 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	110	3.2%	82.8%	$803,454	View
Citibank, NA 5 offices in Oakland 4101 Piedmont Ave, Oakland, CA 94611 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	91 +2 HELOCs	2.6%	91%	$770,384	View
Bank of America NA 6 offices in Oakland 300 Lakeside Dr, Oakland, CA 94612 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	56 +69 HELOCs	1.6%	88.9%	$930,000	View
East West Bank 1 office in Oakland 900 Webster St, Oakland, CA 94607 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	26 +4 HELOCs	0.7%	63.4%	$555,384	View
Zions Bancorporation, N.A. 1 office in Oakland 400 Thomas L Berkley Way, Oakland, CA 94612 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	21 +14 HELOCs	0.6%	83.9%	$672,619	View
BMO Harris Bank NA 4 offices in Oakland 2023 Mountain Blvd, Oakland, CA 94611 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, Jumbo, HELOC	17 +29 HELOCs	0.5%	60%	$942,058	View
Fremont Bank 1 office in Oakland 6300 College Ave, Oakland, CA 94618 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	9 +54 HELOCs	0.3%	50%	$498,333	View
Mechanics Bank 1 office in Oakland 1999 Harrison St, Oakland, CA 94612 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	8 +2 HELOCs	0.2%	100%	$992,500	View
City National Bank 1 office in Oakland 1180 Broadway, Oakland, CA 94607 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	5 +4 HELOCs	0.1%	100%	$1,363,000	View
Bank of Marin ★ 2 stars, 1 review 1 office in Oakland 180 Grand Ave, Oakland, CA 94612 A+5.0 ★Texas Ratio: 2.03%	Conventional, Jumbo	4	0.1%	50%	$460,000	View
Cathay Bank 1 office in Oakland 710 Webster St, Oakland, CA 94607 A+5.0 ★Texas Ratio: 4.57%	Conventional	2	0.1%	66.7%	$230,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	36 +20 HELOCs	1%	92.3%	$813,333	View
Patelco Credit Union 360 22nd St, Oakland, CA 94612 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	27 +53 HELOCs	0.8%	80%	$441,666	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo	24	0.7%	86.2%	$760,833	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	21 +4 HELOCs	0.6%	71%	$665,476	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	15 +2 HELOCs	0.4%	78.9%	$664,333	View
The Golden 1 Credit Union 2251 Broadway, Oakland, CA 94612 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, HELOC	14 +22 HELOCs	0.4%	82.4%	$760,714	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	13	0.4%	70%	$617,307	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	13	0.4%	100%	$621,923	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	12	0.3%	100%	$527,500	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	11 +7 HELOCs	0.3%	100%	$695,909	View
1st UNITED CREDIT UNION 6300 College Ave Ste 110, Oakland, CA 94618 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	10 +36 HELOCs	0.3%	40.6%	$170,000	View
Provident Credit Union 8301 Edgewater Dr, Oakland, CA 94621 1460 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	10 +19 HELOCs	0.3%	100%	$542,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	10	0.3%	85.7%	$330,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.3%	90%	$657,222	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	9	0.3%	68.8%	$541,666	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	9	0.3%	81.8%	$327,222	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	8 +8 HELOCs	0.2%	75%	$262,500	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	7 +11 HELOCs	0.2%	100%	$983,571	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.2%	100%	$975,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	6 +2 HELOCs	0.2%	54.5%	$683,333	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	5	0.1%	100%	$871,000
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	5	0.1%	75%	$571,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional, VA, HELOC	4 +2 HELOCs	0.1%	100%	$385,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.1%	100%	$1,630,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.1%	100%	$791,666	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional	2	0.1%	100%	$620,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, HELOC	1 +10 HELOCs	0%	100%	$55,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	1 +2 HELOCs	0%	50%	$535,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0%	100%	$475,000	View
University Credit Union 1500 S Sepulveda Blvd, Los Angeles, CA 90025 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$1,005,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0%	100%	$945,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0%	100%	$595,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0%	50%	$935,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0%	100%	$575,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0%	100%	$1,225,000	View
Ilwu Federal Credit Union 95 Linden St Ste 12, Oakland, CA 94607 A5.0 ★Texas Ratio: 6.01%	Conventional	1	0%	33.3%	$55,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional	1	0%	100%	$1,205,000	View
North Bay Credit Union 1357 Healdsburg Ave, Healdsburg, CA 95448 3246	Conventional	1	0%	100%	$105,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	Conventional	1	0%	50%	$405,000	View
Woori America Bank 5731 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 11.01%	Conventional	1	0%	100%	$485,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +2 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	100%		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	79	2.3%	87.4%	$803,607
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	75 +5 HELOCs	2.2%	96.2%	$593,666
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	49	1.4%	87.5%	$670,918
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	38 +1 HELOCs	1.1%	72.2%	$462,894
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	26	0.7%	92.9%	$516,538
AmWest Funding Corp	Conventional, FHA, HELOC	23 +1 HELOCs	0.7%	100%	$555,869
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	19	0.5%	88.9%	$486,052	View
Kind Lending, LLC	Conventional, FHA, Jumbo	16	0.5%	61.5%	$521,875
Guild Mortgage Company	Conventional	16	0.5%	94.1%	$425,625
Nexera Holding LLC	Conventional, Jumbo	15	0.4%	88.2%	$697,000
Resicentral LLC	Conventional, FHA	14	0.4%	100%	$571,428
General Mortgage Capital Corporation	Conventional	14	0.4%	100%	$623,571
Googain, Inc.	Conventional, Jumbo	14	0.4%	100%	$700,000
New Wave Lending Group Inc	Conventional, Jumbo	14	0.4%	100%	$626,428
Zillow Home Loans, LLC	Conventional, FHA	11	0.3%	91.7%	$544,090
Citadel Servicing Corporation	Conventional	10	0.3%	100%	$379,000
Cornerstone First Mortgage, LLC	Conventional, FHA, Jumbo	9	0.3%	100%	$712,777
Mason-McDuffie Mortgage Corporation	Conventional, FHA, Jumbo	9	0.3%	90%	$685,000
Flexpoint, Inc.	Conventional, FHA	8	0.2%	92.3%	$433,750
Land Home Financial Services,	Conventional, FHA	8	0.2%	91.7%	$528,750
AmeriHome Mortgage Company, LLC	Conventional, FHA	7	0.2%	87.5%	$576,428
Stg Mortgage Inc	Conventional	7	0.2%	88.9%	$907,857
Provident Funding Associates	Conventional	7	0.2%	100%	$560,714
Sierra Pacific Mortgage Co. Inc	Conventional, Jumbo	7	0.2%	100%	$645,000
Alameda Mortgage Corporation	Conventional	6	0.2%	100%	$636,666
MortgageOne, Inc	Conventional, FHA, Jumbo	6	0.2%	100%	$616,666
American Financial Network, Inc.	Conventional	6	0.2%	60%	$681,666
Hometown Equity Mortgage, LLC	Conventional, FHA	6	0.2%	66.7%	$531,666
Emet Lending Group, Inc.	Conventional	6	0.2%	100%	$535,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	5	0.1%	62.5%	$1,067,000
Nmsi, Inc.	Conventional	5	0.1%	100%	$429,000
Franklin Loan Corporation	Conventional, FHA	4	0.1%	100%	$652,500
Coastal Funding SLC, Inc.	Conventional	4	0.1%	100%	$795,000
JMAC Lending, Inc.	Conventional	4	0.1%	100%	$587,500
5Th Sreet Capital Inc.	Conventional	3	0.1%	100%	$401,666
Network Capital Funding Corporation	Conventional, FHA	3	0.1%	50%	$751,666
Greenbox Loans	Conventional	3	0.1%	80%	$458,333
Carrington Mortgage Services LLC	Conventional, FHA	3	0.1%	38.5%	$481,666
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.1%	37.5%	$595,000
Mission Loans, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$120,000
ML Mortgage Corp.	Conventional	2	0.1%	100%	$565,000
Residential Wholesale Mortgage	Conventional	2	0.1%	100%	$400,000
Watermark Capital, Inc.	Conventional	2	0.1%	100%	$1,130,000
AAA Capital Investment, Inc	Conventional	2	0.1%	100%	$570,000
Mortgage Capital Partners, INC	Conventional	2	0.1%	100%	$620,000
Bridgeway Lending Partners, LLC	Conventional	2	0.1%	100%	$660,000
Catalyst Mortgage	Conventional	2	0.1%	100%	$505,000
Bay-Valley Mortgage Group	Conventional	2	0.1%	100%	$395,000
Ahl Funding	Conventional, FHA	2	0.1%	100%	$485,000
Royal Pacific Funding	Conventional, FHA	2	0.1%	100%	$365,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	2	0.1%	100%	$790,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$445,000
Generations Home Loans, LLC	Conventional	2	0.1%	50%	$325,000
Lendsure Mortgage Corp.	Conventional	2	0.1%	100%	$430,000
Ardri LLC	Conventional	2	0.1%	100%	$745,000
Summit Funding.Inc	Conventional	2	0.1%	100%	$500,000
Vista Point Mortgage, LLC	Conventional, Jumbo	2	0.1%	66.7%	$755,000
Cake Mortgage Corp.	Conventional	2	0.1%	100%	$520,000
Goodleap, LLC	Conventional, HELOC	1 +3 HELOCs	0%	100%	$205,000
Fundloans Capital	Conventional	1	0%	100%	$605,000
Pacific Lending LLC	Conventional	1	0%	100%	$955,000
Golden Empire Mortgage, Inc.	Conventional	1	0%	100%	$415,000
Augusta Financial, Inc.	Conventional	1	0%	100%	$255,000
Home Mortgage Alliance Corp (Hmac)	FHA	1	0%	25%	$955,000
Fidelity Lending Solutions Inc	Conventional	1	0%	100%	$725,000
ResMac Inc	Conventional	1	0%	100%	$355,000
PFN Lending Group, Inc.	Conventional	1	0%	100%	$375,000
Ez Fundings Inc	FHA	1	0%	100%	$855,000
Campos Financial Corp	Conventional	1	0%	100%	$805,000
Ony Glo, Inc.	FHA	1	0%	50%	$655,000
The Police Credit Union of California	Conventional	1	0%	100%	$65,000
T. J. Financial, Inc.	Conventional	1	0%	100%	$165,000
ClearEdge Lending LLC	Conventional	1	0%	25%	$635,000
Banc One Mortage Corporation	Conventional	1	0%	100%	$385,000
Operating Engineers Federal Credit Union	Conventional	1	0%	100%	$75,000
Figure Lending LLC	HELOC	0 +35 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	357 +28 HELOCs	10.2%	83.3%	$623,123
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	357 +1 HELOCs	10.2%	77.2%	$557,100
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	242 +3 HELOCs	6.9%	99.2%	$810,743
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	166 +3 HELOCs	4.8%	98.9%	$824,698	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	71 +6 HELOCs	2%	97.3%	$645,000
Vellum Mortgage, Inc.	Conventional, FHA	71	2%	98.6%	$673,450
Everett Financial, Inc.	Conventional, FHA, HELOC	55 +3 HELOCs	1.6%	94.8%	$402,818
The Loan Store, Inc	Conventional, FHA, HELOC	36 +7 HELOCs	1%	90.9%	$618,055
Newrez LLC	Conventional, FHA, VA, Jumbo	36	1%	60%	$678,055
Ameritrust Mortgage Corporation	Conventional, FHA	30	0.9%	100%	$396,333
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	26 +1 HELOCs	0.7%	96.4%	$502,692
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	26	0.7%	100%	$507,307
Originpoint, LLC	Conventional, Jumbo	22	0.6%	100%	$812,727
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	21 +3 HELOCs	0.6%	95.5%	$963,095	View
Guaranteed Rate Affinity, LLC	Conventional, FHA, Jumbo	19	0.5%	100%	$796,578
Nationstar Mortgage	Conventional, FHA	19	0.5%	67.9%	$335,526
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	18	0.5%	94.7%	$950,000	View
Premier Mortgage Resources, LLC	Conventional, FHA	17	0.5%	100%	$399,705
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	15	0.4%	100%	$510,333	View
Envoy Mortgage, Ltd	Conventional, FHA	13	0.4%	100%	$573,461
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	13	0.4%	68.4%	$698,846	View
Spring Eq, LLC	Conventional, HELOC	12 +16 HELOCs	0.3%	22.4%	$130,833
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	12	0.3%	100%	$679,166	View
Freedom Mortgage Corporation	Conventional, FHA, VA	11	0.3%	63.2%	$726,818
Allied Mortgage Group, Inc	Conventional, FHA	11	0.3%	100%	$335,000
Better Mortgage Corporation	Conventional, HELOC	10 +3 HELOCs	0.3%	58.8%	$489,000
Sage Home Loans Corporation	Conventional	10	0.3%	100%	$731,000
Bay Equity LLC	Conventional, FHA	10	0.3%	90.9%	$561,000
Primelending	Conventional, Jumbo	9	0.3%	100%	$633,888
Union Home Mortgage Corp.	Conventional, FHA	9	0.3%	90%	$523,888
Homeowners Financial Group, LLC	Conventional	9	0.3%	100%	$510,555
Mortgage Research Center	Conventional, VA, Jumbo	9	0.3%	66.7%	$948,333
RoundPoint Mortgage Servicing LLC	Conventional, FHA	8	0.2%	100%	$380,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +5 HELOCs	0.2%	58.3%	$512,142
Amerisave Mortgage Company	Conventional, FHA, HELOC	7 +2 HELOCs	0.2%	18.4%	$190,714
Sunward A+5.0 ★Texas Ratio: 2.97%	Conventional	7	0.2%	100%	$727,857	View
Mutual of Omaha Mortgage	Conventional, FHA, Jumbo	7	0.2%	70%	$689,285
Tomo Mortgage LLC	Conventional	7	0.2%	77.8%	$735,000
Alliant Credit Union	Conventional, Jumbo, HELOC	6 +19 HELOCs	0.2%	100%	$951,666
Lakeview Loan Servicing, LLC	Conventional, FHA	6	0.2%	33.9%	$591,666
Primary Residential Mortgage, INC.	Conventional	5	0.1%	62.5%	$485,000
First Colony Mortgage Corporat	Conventional	5	0.1%	100%	$559,000
Angel Oak Mortgage Solutions LLC	Conventional	5	0.1%	71.4%	$373,000
Arc Home LLC	Conventional	4	0.1%	100%	$792,500
Dart Bank	Conventional, Jumbo	4	0.1%	100%	$852,500
Discover Bank	Conventional	4	0.1%	20%	$82,500
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	4	0.1%	100%	$957,500	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	4	0.1%	100%	$410,000	View
Nbkc Bank	Conventional	3	0.1%	80%	$318,333
Equity Prime Mortgage LLC	FHA	3	0.1%	100%	$351,666
Movement Mortgage, LLC	Conventional, Jumbo	3	0.1%	100%	$1,065,000
Loanunited.Com, LLC	Conventional, FHA	3	0.1%	100%	$358,333
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.1%	100%	$611,666	View
Genway Home Mortgage, Inc.	Conventional, FHA	3	0.1%	75%	$418,333
Logan Finance Corporation	Conventional, Jumbo	3	0.1%	100%	$1,211,666
Champions Funding, LLC	Conventional, Jumbo	3	0.1%	75%	$671,666
Village Capital & Investment	FHA	3	0.1%	75%	$571,666
Pentagon Federal Credit Union	VA, HELOC	2 +14 HELOCs	0.1%	50%	$845,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	2 +10 HELOCs	0.1%	66.7%	$645,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$485,000
Delmar Financial Company	Conventional	2	0.1%	100%	$585,000
PHH Mortgage Corporation	Conventional	2	0.1%	50%	$285,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.1%	100%	$730,000	View
Homestead Funding Corp.	Conventional	2	0.1%	100%	$430,000
Nqm Funding, LLC	Conventional	2	0.1%	66.7%	$420,000
Intercap Lending Inc	Conventional, FHA	2	0.1%	100%	$620,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0.1%	100%	$530,000	View
Congressional Federal Credit Union	Conventional	2	0.1%	66.7%	$105,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	100%	$670,000	View
Planet Home Lending, LLC	Conventional, FHA	2	0.1%	66.7%	$650,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$475,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.1%	100%	$430,000	View
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.1%	100%	$450,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$540,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +9 HELOCs	0%	100%	$1,325,000	View
Valon Mortgage	Conventional, HELOC	1 +5 HELOCs	0%	100%	$225,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +4 HELOCs	0%	100%	$915,000	View
Communityamerica Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	100%	$45,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$415,000	View
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$1,235,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	100%	$285,000	View
Panorama Mortgage Group, LLC	FHA	1	0%	100%	$915,000
American Airlines Federal Cred	Conventional	1	0%	100%	$805,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0%	100%	$2,405,000	View
Royal United Mortgage LLC	Conventional	1	0%	100%	$95,000
TrustBank A5.0 ★Texas Ratio: 13.67%	Conventional	1	0%	100%	$205,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional, Jumbo	1	0%	100%	$1,835,000	View
NOVA Financial & Investment Corporation	Conventional	1	0%	100%	$905,000
Brighton Bank	FHA	1	0%	100%	$395,000
Acrisure Mortgage, LLC	Conventional	1	0%	100%	$675,000
Loansteady LLC	Conventional	1	0%	100%	$455,000
Liberty Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	100%	$155,000	View
Advancial Federal Credit Union	Conventional	1	0%	100%	$975,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA, Jumbo	1	0%	50%	$1,435,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$565,000
Deephaven Mortgage LLC	Conventional	1	0%	20%	$905,000
Oaktree Funding Corp	Conventional, Jumbo	1	0%	100%	$3,005,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$805,000	View
Data Mortgage, Inc	FHA	1	0%	100%	$795,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$1,135,000	View
Das Acquisition Company, LLC	Conventional	1	0%	100%	$1,005,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0%	100%	$735,000
American Financing Corporation	Conventional	1	0%	20%	$525,000
Securitynational Mortgage Company	Conventional	1	0%	100%	$295,000
New West Lending, Inc.	Conventional	1	0%	100%	$1,105,000
Delta Community Credit Union	Conventional	1	0%	100%	$1,205,000
Cardinal Financial Company, Li	Conventional	1	0%	33.3%	$1,065,000
Foundation Mortgage Corporation	Conventional	1	0%	100%	$715,000
Premier Lending Inc.	Conventional	1	0%	100%	$635,000
Warshaw Capital, LLC	Conventional	1	0%	100%	$745,000
Boeing Employees' Credit Union	Conventional	1	0%	100%	$845,000
Teachers Federal Credit Union	Conventional, Jumbo	1	0%	100%	$1,785,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$445,000	View
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional	1	0%	100%	$855,000	View
Village Bank & Trust, N.A. A+5.0 ★Texas Ratio: 1.60%	Conventional	1	0%	100%	$885,000	View
Hinsdale Bank & Trust Company, N.A A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$985,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$955,000	View
Saygo Home Loans, LLC	Conventional	1	0%	100%	$565,000
Self Help Federal Credit Union	Conventional	1	0%	100%	$245,000
Uif Corporation	Conventional	1	0%	100%	$655,000
Wings Financial Credit Union A+5.0 ★Texas Ratio: 2.07%	Conventional	1	0%	100%	$835,000	View
Digital Federal Credit Union	Conventional	1	0%	100%	$255,000
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$805,000	View
Pike Creek Mortgage Services, Inc.	FHA	1	0%	100%	$335,000
V.I.P. Mortgage, Inc.	Conventional	1	0%	100%	$485,000
Keystone Funding, Inc	Conventional	1	0%	100%	$485,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$675,000	View
Nations Direct Mortgage, LLC	Conventional	1	0%	100%	$355,000
Veritas Funding, LLC	FHA	1	0%	100%	$485,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$525,000	View
Right Start Mortgage, Inc	Conventional	1	0%	100%	$155,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	100%	$805,000	View
Florida Capital Bank, N.A	Conventional	1	0%	100%	$855,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0%	100%	$505,000	View
Reliance First Capital, LLC	Conventional	1	0%	100%	$705,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$395,000
Flyhomes Mortgage LLC	Conventional	1	0%	50%	$905,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +20 HELOCs	0%	0%		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +18 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +11 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +8 HELOCs	0%	100%
Fourleaf Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +2 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Oakland Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Oakland, California

Looking for mortgage lenders near me or mortgage brokers near me in Oakland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakland in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Oakland, CA

Use these to narrow the list above. Each category shows how many Oakland, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 162 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 68 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 58 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 71 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 25 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 66 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 123 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Oakland, CA

Independent mortgage companies closed 70.3 percent of home loans in Oakland, California in 2025, banks 23.2 percent and credit unions 6.5 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Patelco Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 56 loans.

70.3%

Mortgage companies

23.2%

Banks

6.5%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Santa Clarita 265 lenders Stockton 212 lenders Chula Vista 203 lenders

Frequently Asked Questions About Mortgage Lenders in Oakland, CA

Who is the largest mortgage lender in Oakland, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Oakland, California with 131 loans, about 3.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 56 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oakland, CA have the highest approval rates?

Among lenders with meaningful volume in Oakland, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 99.2 percent, against a 82.6 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.

Which Oakland, CA mortgage lenders offer FHA, VA and USDA loans?

71 lenders closed FHA loans in Oakland, California in 2025, led by United Wholesale Mortgage with 60. 25 lenders closed VA loans, led by United Wholesale Mortgage, 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.

Are credit unions and local banks included in this Oakland, CA lender list?

Yes. 68 banks and 58 credit unions closed home loans in Oakland, California in 2025, alongside 162 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.

How are mortgage lenders in Oakland, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oakland, 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 Oakland, 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 Oakland. 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.