Mortgage Lenders and Brokers in Oakley, 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
Oakley, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2535 Main St, Oakley, CA 94561A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA2195 Main St, Oakley, CA 94561A+5.0 ★Texas Ratio: 3.54%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, and East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%. 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 Oakley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakley 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 Oakley, California
Market share is the lender's share of all home loans closed in Oakley, 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 Oakley 2535 Main St, Oakley, CA 94561 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +1 HELOCs |
0.7% | 50% | $562,500 | View |
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1 office in Oakley 2195 Main St, Oakley, CA 94561 A+5.0 ★Texas Ratio: 3.54% |
FHA, HELOC | 1 +11 HELOCs |
0.2% | 100% | $515,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional, HELOC | 10 +4 HELOCs |
1.7% | 83.3% | $93,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 10 | 1.7% | 90.9% | $446,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 7 +7 HELOCs |
1.2% | 58.3% | $350,714 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 5 +3 HELOCs |
0.8% | 83.3% | $75,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +19 HELOCs |
0.7% | 66.7% | $470,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 4 +14 HELOCs |
0.7% | 80% | $75,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 0.7% | 80% | $615,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 4 | 0.7% | 80% | $612,500 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 3 | 0.5% | 100% | $475,000 | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 2 +6 HELOCs |
0.3% | 100% | $70,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $745,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 2 | 0.3% | 100% | $310,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 2 | 0.3% | 100% | $290,000 | View |
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560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 2 | 0.3% | 66.7% | $445,000 | View |
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229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 0.3% | 66.7% | $340,000 | 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 +7 HELOCs |
0.2% | 100% | $335,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +7 HELOCs |
0.2% | 100% | $345,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +6 HELOCs |
0.2% | 100% | $155,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $535,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $775,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $55,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $215,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $465,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $775,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 66.7% | $555,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
4.6% | 84.8% | $395,714 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 14 +2 HELOCs |
2.3% | 100% | $573,571 | |
Pennymac Loan Services LLC
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Conventional, FHA | 12 | 2% | 92.3% | $570,833 | |
Guild Mortgage Company
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Conventional, FHA, VA | 11 | 1.8% | 100% | $496,818 | |
Alameda Mortgage Corporation
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Conventional, FHA | 10 | 1.7% | 100% | $567,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 10 | 1.7% | 83.3% | $570,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 9 | 1.5% | 78.6% | $529,444 | |
Paramount Residential Mortgage
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Conventional, FHA | 9 | 1.5% | 100% | $483,888 | |
AmWest Funding Corp
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Conventional | 6 | 1% | 100% | $485,000 | |
American Financial Network, Inc.
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Conventional, FHA | 4 | 0.7% | 100% | $780,000 | |
Franklin Loan Corporation
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Conventional | 4 | 0.7% | 100% | $335,000 | |
The Police Credit Union of California
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Conventional | 4 | 0.7% | 100% | $312,500 | |
JMAC Lending, Inc.
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Conventional | 4 | 0.7% | 100% | $627,500 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, FHA | 3 | 0.5% | 75% | $235,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $500,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $730,000 | |
Resicentral LLC
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Conventional, VA | 2 | 0.3% | 100% | $520,000 | |
Googain, Inc.
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Conventional | 2 | 0.3% | 100% | $500,000 | |
Royal Pacific Funding
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Conventional | 2 | 0.3% | 66.7% | $605,000 | |
Flexpoint, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $555,000 | |
Stg Mortgage Inc
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Conventional, FHA | 2 | 0.3% | 100% | $345,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 0.3% | 100% | $605,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.3% | 66.7% | $645,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.3% | 100% | $635,000 | |
Operating Engineers Federal Credit Union
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Conventional | 2 | 0.3% | 66.7% | $80,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $325,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.2% | 50% | $495,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.2% | 100% | $315,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $325,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.2% | 100% | $495,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.2% | 66.7% | $355,000 | View |
Network Capital Funding Corporation
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Conventional | 1 | 0.2% | 33.3% | $545,000 | |
Greenbox Loans
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.2% | 100% | $555,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $785,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $995,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 50% | $985,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 50% | $535,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.2% | 50% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +9 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 | 93 | 15.4% | 83.5% | $473,279 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 63 +12 HELOCs |
10.4% | 80.2% | $591,349 | |
Everett Financial, Inc.
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Conventional, FHA, VA, HELOC | 19 +4 HELOCs |
3.1% | 100% | $496,578 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, HELOC | 15 +2 HELOCs |
2.5% | 94.4% | $486,333 | View |
The Loan Store, Inc
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Conventional, FHA, HELOC | 13 +7 HELOCs |
2.2% | 100% | $553,461 | |
Spring Eq, LLC
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Conventional, HELOC | 13 +4 HELOCs |
2.2% | 32.5% | $113,461 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA, VA | 13 | 2.2% | 100% | $458,846 | |
Kbhs Home Loans, LLC
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Conventional, FHA, VA | 10 | 1.7% | 90.9% | $590,000 | |
Newrez LLC
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Conventional, FHA | 10 | 1.7% | 76.9% | $414,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
1.3% | 100% | $643,750 | |
Mortgage Research Center
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VA | 8 | 1.3% | 88.9% | $641,250 | |
Guaranteed Rate, Inc.
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Conventional, VA, HELOC | 7 +1 HELOCs |
1.2% | 100% | $623,571 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.2% | 81.8% | $559,285 | |
Nationstar Mortgage
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Conventional | 6 | 1% | 100% | $95,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 5 | 0.8% | 100% | $605,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 4 | 0.7% | 33.3% | $632,500 | |
Planet Home Lending, LLC
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Conventional, FHA | 4 | 0.7% | 100% | $507,500 | |
HomeBridge Financial Services, Inc
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FHA, VA, HELOC | 3 +3 HELOCs |
0.5% | 100% | $691,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
0.5% | 100% | $585,000 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $471,666 | |
Mutual of Omaha Mortgage
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Conventional, VA | 3 | 0.5% | 50% | $625,000 | |
Union Home Mortgage Corp.
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $545,000 | |
Norwich Commercial Group Inc
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FHA | 2 | 0.3% | 100% | $580,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.3% | 60% | $170,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.3% | 14.3% | $130,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 33.3% | $60,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $685,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 2 | 0.3% | 100% | $1,005,000 | |
Bay Equity LLC
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Conventional | 2 | 0.3% | 100% | $595,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.3% | 100% | $715,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.3% | 100% | $595,000 | |
Right Start Mortgage, Inc
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FHA | 2 | 0.3% | 100% | $575,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.3% | 100% | $290,000 | View |
Champions Funding, LLC
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Conventional | 2 | 0.3% | 50% | $555,000 | |
Valon Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $705,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $135,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $645,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.2% | 50% | $495,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $695,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $705,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.2% | 100% | $925,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $785,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $925,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.2% | 100% | $515,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $715,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $675,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
21St Mortgage
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Conventional | 1 | 0.2% | 25% | $135,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 50% | $655,000 | |
Alliant Credit Union
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Lafayette Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Signature Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oakley 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 Oakley, California
Looking for mortgage lenders near me or mortgage brokers near me in Oakley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oakley, CA
Use these to narrow the list above. Each category shows how many Oakley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Oakley, CA
Independent mortgage companies closed 84.9 percent of home loans in Oakley, California in 2025, banks 8.3 percent and credit unions 6.8 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Pacific Service Credit Union the largest credit union. Among lenders headquartered in California, Pacific Service Credit Union led with 10 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 Oakley, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oakley, California with 4 loans, about 0.7 percent of the market. The largest lender headquartered in California was Pacific Service Credit Union with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oakley, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 83.5 percent, against a 79.4 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.
40 lenders closed FHA loans in Oakley, California in 2025, led by Rocket Mortgage with 23. 20 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.
Yes. 23 banks and 28 credit unions closed home loans in Oakley, California in 2025, alongside 91 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 Oakley, 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 Oakley, 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 Oakley. 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.
