Mortgage Lenders and Brokers in Penryn, 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
Penryn, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Banner BankBanner Bank5901 Priestly Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.91%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sunflower Bank, N.A.Sunflower Bank, N.A.1888 Century Park E, Los Angeles, CA 90067A5.0 ★Texas Ratio: 10.77%, and BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%. 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 Penryn, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Penryn 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 Penryn, California
Market share is the lender's share of all home loans closed in Penryn, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
5.3% | 83.3% | $1,291,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +9 HELOCs |
1.1% | 100% | $525,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1.1% | 100% | $895,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $65,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,605,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 1.1% | 100% | $605,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,015,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,425,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,075,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 1.1% | 50% | $1,235,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,435,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 1.1% | 100% | $805,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
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% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
ClearEdge Lending LLC
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Conventional, Jumbo | 4 | 4.3% | 100% | $1,147,500 | |
loanDepot.com LLC
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Conventional, Jumbo | 2 | 2.1% | 100% | $595,000 | |
Resicentral LLC
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Conventional | 2 | 2.1% | 100% | $555,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 2 | 2.1% | 100% | $1,045,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 2 | 2.1% | 100% | $735,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $395,000 | |
5Th Sreet Capital Inc.
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Conventional, Jumbo | 1 | 1.1% | 100% | $925,000 | |
Land Home Financial Services,
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Conventional | 1 | 1.1% | 100% | $445,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $615,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1.1% | 100% | $625,000 | |
Shea Mortgage Inc.
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Conventional | 11 | 11.7% | 100% | $371,363 | |
Tri Pointe Connect, LLC
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Conventional, Jumbo | 10 | 10.6% | 100% | $694,000 | |
Rocket Mortgage
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Conventional, Jumbo | 7 | 7.4% | 100% | $483,571 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 6 +2 HELOCs |
6.4% | 85.7% | $611,666 | |
Boeing Employees' Credit Union
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Conventional, Jumbo | 6 | 6.4% | 100% | $1,101,666 | |
The Loan Store, Inc
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Conventional, VA, Jumbo, HELOC | 4 +1 HELOCs |
4.3% | 100% | $837,500 | |
Toll Brothers Mortgage Company
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Conventional | 4 | 4.3% | 54.5% | $555,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
2.1% | 40% | $230,000 | |
Alliant Credit Union
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Conventional, Jumbo | 1 | 1.1% | 100% | $815,000 | |
Primelending
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,235,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,125,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.1% | 100% | $315,000 | |
Newrez LLC
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Conventional | 1 | 1.1% | 50% | $345,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 1.1% | 100% | $695,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,625,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo | 1 | 1.1% | 100% | $825,000 | View |
Discover Bank
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Conventional | 1 | 1.1% | 50% | $65,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.1% | 100% | $325,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 1.1% | 50% | $1,055,000 | |
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Penryn 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 Penryn, California
Looking for mortgage lenders near me or mortgage brokers near me in Penryn? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Penryn in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Penryn, CA
Use these to narrow the list above. Each category shows how many Penryn, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Penryn, CA
Independent mortgage companies closed 73.4 percent of home loans in Penryn, California in 2025, banks 12.8 percent and credit unions 13.8 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, The Golden 1 Credit Union led with 1 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 Penryn, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Penryn, California with 5 loans, about 5.3 percent of the market. The largest lender headquartered in California was The Golden 1 Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Penryn, California in 2025, led by United Wholesale Mortgage with 2. 1 lenders closed VA loans, led by The Loan Store, Inc. 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. 13 banks and 14 credit unions closed home loans in Penryn, California in 2025, alongside 27 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 Penryn, 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 Penryn, 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 Penryn. 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.
