☰

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 / Orinda

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Orinda, California

Content reviewed by

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

Orinda, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA80 Moraga Way, Orinda, CA 94563A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA224 Brookwood Rd, Orinda, CA 94563A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.140 Brookwood Rd, Orinda, CA 94563A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA37 Orinda Way, Orinda, CA 94563A+5.0 ★Texas Ratio: 2.82%, Mechanics BankMechanics Bank77 Moraga Way, Orinda, CA 94563A+5.0 ★Texas Ratio: 1.81%, BMO Harris Bank NABMO Harris Bank NA21 Moraga Way, Orinda, CA 94563A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, and Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%. 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 Orinda, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Orinda 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 Orinda, California

Market share is the lender's share of all home loans closed in Orinda, 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
Wells Fargo Bank NA 1 office in Orinda 80 Moraga Way, Orinda, CA 94563 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	25	8.4%	96.3%	$1,725,800	View
JPMorgan Chase Bank, NA 1 office in Orinda 224 Brookwood Rd, Orinda, CA 94563 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	22 +1 HELOCs	7.4%	95.8%	$1,646,818	View
US Bank, N.A. 1 office in Orinda 140 Brookwood Rd, Orinda, CA 94563 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	15 +3 HELOCs	5%	88.9%	$1,621,000	View
Citibank, NA 1 office in Orinda 37 Orinda Way, Orinda, CA 94563 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	11 +1 HELOCs	3.7%	100%	$1,900,454	View
Mechanics Bank 1 office in Orinda 77 Moraga Way, Orinda, CA 94563 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	5 +2 HELOCs	1.7%	62.5%	$1,179,000	View
BMO Harris Bank NA 1 office in Orinda 21 Moraga Way, Orinda, CA 94563 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	4 +13 HELOCs	1.3%	100%	$1,690,000	View
Bank of America NA 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	16 +11 HELOCs	5.4%	100%	$1,566,250	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	5 +2 HELOCs	1.7%	100%	$1,459,000	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	3 +5 HELOCs	1%	100%	$2,278,333	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	3	1%	100%	$788,333	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.7%	100%	$1,245,000	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	2 +1 HELOCs	0.7%	100%	$3,400,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.7%	100%	$775,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	2	0.7%	100%	$1,505,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.7%	50%	$155,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	1 +2 HELOCs	0.3%	100%	$105,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$2,575,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$1,145,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$1,605,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0.3%	50%	$1,205,000	View
University Credit Union 1500 S Sepulveda Blvd, Los Angeles, CA 90025 A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	1	0.3%	100%	$1,495,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.3%	100%	$765,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.3%	100%	$4,745,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	1	0.3%	100%	$4,005,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +2 HELOCs	0%	n/a		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	n/a		View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	HELOC	0 +1 HELOCs	0%	n/a		View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	0%		View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	12	4%	92.3%	$1,678,333
New American Funding, LLC.	Conventional, Jumbo, HELOC	7 +1 HELOCs	2.3%	100%	$1,252,142
Cornerstone First Mortgage, LLC	Conventional, Jumbo	4	1.3%	100%	$1,775,000
loanDepot.com LLC	Conventional	4	1.3%	57.1%	$385,000
General Mortgage Capital Corporation	Conventional, Jumbo	2	0.7%	100%	$1,335,000
Nexera Holding LLC	Conventional, Jumbo	2	0.7%	100%	$1,170,000
Alameda Mortgage Corporation	Conventional, Jumbo	1	0.3%	100%	$2,205,000
MortgageOne, Inc	Conventional, Jumbo	1	0.3%	100%	$2,375,000
Summit Funding.Inc	Conventional	1	0.3%	100%	$505,000
Zillow Home Loans, LLC	Conventional	1	0.3%	100%	$1,205,000
Nmsi, Inc.	Conventional	1	0.3%	100%	$835,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.3%	100%	$925,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo, HELOC	29 +1 HELOCs	9.7%	100%	$1,399,137
Rocket Mortgage	Conventional, Jumbo, HELOC	23 +2 HELOCs	7.7%	71.9%	$1,043,260
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	16 +4 HELOCs	5.4%	94.1%	$1,240,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	8 +1 HELOCs	2.7%	100%	$1,393,750	View
Guaranteed Rate, Inc.	Conventional, Jumbo	8	2.7%	100%	$1,181,250
Vellum Mortgage, Inc.	Conventional, Jumbo	6	2%	100%	$1,185,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	1%	75%	$2,341,666	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional	3	1%	75%	$841,666	View
Spring Eq, LLC	Conventional, HELOC	2 +3 HELOCs	0.7%	50%	$335,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.7%	100%	$1,035,000	View
Deephaven Mortgage LLC	Conventional	2	0.7%	66.7%	$805,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.7%	100%	$1,135,000	View
Nfm, Inc	Conventional, Jumbo	2	0.7%	100%	$1,420,000
Nationstar Mortgage	Conventional	2	0.7%	100%	$140,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.7%	100%	$990,000	View
Alliant Credit Union	Conventional, HELOC	1 +2 HELOCs	0.3%	100%	$1,025,000
Quorum Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.3%	50%	$405,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.3%	33.3%	$205,000	View
Originpoint, LLC	Conventional	1	0.3%	50%	$845,000
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	1	0.3%	50%	$1,555,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.3%	100%	$1,305,000	View
Newrez LLC	Conventional	1	0.3%	100%	$605,000
Envoy Mortgage, Ltd	Conventional	1	0.3%	100%	$465,000
Movement Mortgage, LLC	Conventional, Jumbo	1	0.3%	100%	$1,965,000
Oaktree Funding Corp	Conventional, Jumbo	1	0.3%	100%	$2,425,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.3%	100%	$1,005,000	View
Ameritrust Mortgage Corporation	Conventional	1	0.3%	100%	$565,000
First Option Mortgage, LLC	Conventional, Jumbo	1	0.3%	100%	$1,295,000
Planet Home Lending, LLC	VA, Jumbo	1	0.3%	100%	$1,255,000
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional, Jumbo	1	0.3%	100%	$2,135,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.3%	100%	$735,000	View
Mortgage Research Center	VA	1	0.3%	100%	$1,165,000
Logan Finance Corporation	Conventional, Jumbo	1	0.3%	100%	$1,505,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.3%	100%	$1,605,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.3%	100%	$785,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.3%	100%	$1,715,000
Loan Simple, Inc.	Conventional	1	0.3%	100%	$955,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.3%	100%	$785,000	View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
The Loan Store, Inc	HELOC	0 +2 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology 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.

Orinda 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 Orinda, California

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

Types of Mortgage Lenders in Orinda, CA

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

Mortgage companies and brokers 39 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 35 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 5 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 45 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 31 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Orinda, CA

Independent mortgage companies closed 48.3 percent of home loans in Orinda, California in 2025, banks 46.3 percent and credit unions 5.4 percent. Pennymac Loan Services LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 5 loans.

48.3%

Mortgage companies

46.3%

Banks

5.4%

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 Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Orinda, CA

Who is the largest mortgage lender in Orinda, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Orinda, California with 25 loans, about 8.4 percent of the market. The largest lender headquartered in California was Mechanics Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Yes. 35 banks and 17 credit unions closed home loans in Orinda, California in 2025, alongside 39 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 Orinda, CA ranked on this page?

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