Mortgage Lenders and Brokers in Pacific Grove, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Pacific Grove, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA170 Country Club Gate Ctr, Pacific Grove, CA 93950A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1160 Forest Ave, Pacific Grove, CA 93950A+5.0 ★Texas Ratio: 5.36%, Mechanics BankMechanics Bank561 Lighthouse Ave, Pacific Grove, CA 93950A+5.0 ★Texas Ratio: 1.81%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, US Bank, N.A.US Bank, N.A.580 Lighthouse Ave, Pacific Grove, CA 93950A+5.0 ★Texas Ratio: 2.85%, 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%, Murphy BankMurphy Bank5180 N Palm Ave, Fresno, CA 93704A+5.0 ★Texas Ratio: 2.25%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Bank of StocktonBank of Stockton229 S Main St, Angels Camp, CA 95222A+5.0 ★Texas Ratio: 0.21%. 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 Pacific Grove, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pacific Grove 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 Pacific Grove, California
Market share is the lender's share of all home loans closed in Pacific Grove, 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 |
|---|---|---|---|---|---|---|
|
1 office in Pacific Grove 170 Country Club Gate Ctr, Pacific Grove, CA 93950 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 5 +1 HELOCs |
3.5% | 100% | $227,000 | View |
|
1 office in Pacific Grove 1160 Forest Ave, Pacific Grove, CA 93950 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 1.4% | 66.7% | $1,250,000 | View |
|
1 office in Pacific Grove 561 Lighthouse Ave, Pacific Grove, CA 93950 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 9 | 6.3% | 90% | $832,777 | |
|
580 Lighthouse Ave, Pacific Grove, CA 93950 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 6 +3 HELOCs |
4.2% | 60% | $785,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
2.1% | 75% | $991,666 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
2.1% | 100% | $948,333 | View |
|
5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 3 | 2.1% | 100% | $485,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 2 | 1.4% | 100% | $810,000 | View |
|
229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional, Jumbo | 2 | 1.4% | 100% | $430,000 | View |
|
48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $525,000 | View |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $35,000 | View |
|
2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.7% | 100% | $995,000 | View |
|
4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,305,000 | View |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.7% | 100% | $705,000 | View |
|
3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
|
5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,575,000 | View |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.7% | 50% | $315,000 | View |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
|
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.1% | 50% | $755,000 | |
American Pacific Mortgage Corporation
|
Conventional, Jumbo | 3 | 2.1% | 100% | $918,333 | |
Pennymac Loan Services LLC
|
Conventional | 2 | 1.4% | 100% | $400,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.7% | 100% | $625,000 | |
New Wave Lending Group Inc
|
Conventional | 1 | 0.7% | 100% | $355,000 | |
Summit Funding.Inc
|
Conventional | 1 | 0.7% | 100% | $555,000 | |
Paramount Residential Mortgage
|
Conventional, Jumbo | 1 | 0.7% | 100% | $1,895,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.7% | 100% | $275,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.7% | 100% | $945,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, VA, Jumbo, HELOC | 22 +1 HELOCs |
15.5% | 81.5% | $511,818 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 13 +5 HELOCs |
9.2% | 100% | $681,923 | |
CrossCountry Mortgage, LLC
|
Conventional, VA, Jumbo | 8 | 5.6% | 100% | $992,500 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 2.8% | 100% | $792,500 | View |
Spring Eq, LLC
|
Conventional, HELOC | 3 +3 HELOCs |
2.1% | 100% | $128,333 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
2.1% | 100% | $508,333 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 2.1% | 100% | $1,038,333 | View |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 2.1% | 100% | $728,333 | View |
Premier Mortgage Resources, LLC
|
Conventional | 2 | 1.4% | 100% | $370,000 | |
Newrez LLC
|
Conventional | 2 | 1.4% | 50% | $400,000 | |
Strong Home Mortgage, LLC
|
Conventional | 2 | 1.4% | 100% | $970,000 | |
First Colony Mortgage Corporat
|
Conventional | 2 | 1.4% | 100% | $685,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 1.4% | 100% | $1,245,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 1.4% | 100% | $1,580,000 | View |
Alliant Credit Union
|
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.7% | 100% | $1,605,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $105,000 | View |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
Originpoint, LLC
|
Conventional, Jumbo | 1 | 0.7% | 100% | $1,755,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.7% | 100% | $305,000 | |
|
A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.7% | 100% | $3,605,000 | View |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.7% | 50% | $805,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.7% | 100% | $675,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.7% | 50% | $35,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 1 | 0.7% | 100% | $1,425,000 | View |
Nationstar Mortgage
|
Conventional | 1 | 0.7% | 50% | $125,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.7% | 100% | $905,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.7% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Pacific Grove 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 Pacific Grove, California
Looking for mortgage lenders near me or mortgage brokers near me in Pacific Grove? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pacific Grove in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pacific Grove, CA
Use these to narrow the list above. Each category shows how many Pacific Grove, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Pacific Grove, CA
Independent mortgage companies closed 64.1 percent of home loans in Pacific Grove, California in 2025, banks 28.2 percent and credit unions 7.7 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, Mechanics Bank led with 0 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 Pacific Grove, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Pacific Grove, California with 5 loans, about 3.5 percent of the market. The largest lender headquartered in California was Mechanics Bank with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Pacific Grove, California in 2025, led by Sun West Mortgage Company, Inc with 1. 4 lenders closed VA loans, led by Rocket 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. 23 banks and 12 credit unions closed home loans in Pacific Grove, California in 2025, alongside 31 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 Pacific Grove, 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 Pacific Grove, 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 Pacific Grove. 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.
