Mortgage Lenders and Brokers in Rancho Calaveras, 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
Rancho Calaveras, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%, Kinecta Federal Credit UnionKinecta Federal Credit Union1040 E Imperial Hwy Ste F3, Brea, CA 92821A+5.0 ★Texas Ratio: 3.82%, and Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311. 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 Rancho Calaveras, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho Calaveras 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 Rancho Calaveras, California
Market share is the lender's share of all home loans closed in Rancho Calaveras, 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 |
|---|---|---|---|---|---|---|
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 6 +2 HELOCs |
2.6% | 100% | $451,666 | View |
|
5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.7% | 100% | $302,500 | View |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 3 +1 HELOCs |
1.3% | 100% | $128,333 | View |
|
8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
Conventional, HELOC | 2 +5 HELOCs |
0.9% | 100% | $245,000 | View |
|
1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 2 | 0.9% | 100% | $330,000 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $325,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $245,000 | View |
|
3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
|
1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.4% | 100% | $565,000 | |
|
2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional | 1 | 0.4% | 100% | $35,000 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
|
3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
HELOC | 0 +1 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 +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 | |
American Pacific Mortgage Corporation
|
Conventional | 9 | 3.9% | 100% | $392,777 | |
Summit Funding.Inc
|
Conventional, FHA | 7 | 3% | 100% | $393,571 | |
loanDepot.com LLC
|
Conventional, VA, HELOC | 5 +1 HELOCs |
2.2% | 71.4% | $237,000 | |
Kind Lending, LLC
|
Conventional, VA | 5 | 2.2% | 100% | $447,000 | |
Pennymac Loan Services LLC
|
Conventional, VA | 4 | 1.7% | 80% | $482,500 | |
Paramount Residential Mortgage
|
Conventional, FHA | 4 | 1.7% | 100% | $275,000 | |
Golden Empire Mortgage, Inc.
|
Conventional, FHA | 3 | 1.3% | 100% | $258,333 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 3 | 1.3% | 100% | $341,666 | |
Guild Mortgage Company
|
Conventional, VA | 2 | 0.9% | 100% | $430,000 | |
Flexpoint, Inc.
|
Conventional, FHA | 2 | 0.9% | 100% | $190,000 | |
Provident Funding Associates
|
Conventional | 2 | 0.9% | 66.7% | $385,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional, FHA | 2 | 0.9% | 66.7% | $365,000 | |
Operating Engineers Federal Credit Union
|
Conventional | 2 | 0.9% | 100% | $100,000 | |
Home Mortgage Alliance Corp (Hmac)
|
Conventional | 1 | 0.4% | 100% | $635,000 | |
AmWest Funding Corp
|
Conventional | 1 | 0.4% | 100% | $455,000 | |
JMJ Financial Group Inc.
|
VA | 1 | 0.4% | 100% | $375,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.4% | 100% | $675,000 | |
Generations Home Loans, LLC
|
Conventional | 1 | 0.4% | 100% | $335,000 | |
Franklin Loan Corporation
|
Conventional | 1 | 0.4% | 100% | $495,000 | |
New American Funding, LLC.
|
Conventional | 1 | 0.4% | 50% | $315,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $265,000 | |
Figure Lending LLC
|
HELOC | 0 +7 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 41 +1 HELOCs |
17.7% | 95.5% | $417,439 | |
Rocket Mortgage
|
Conventional, FHA, VA | 32 | 13.8% | 81.4% | $267,187 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 8 | 3.4% | 100% | $415,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 7 | 3% | 100% | $457,857 | |
The Loan Store, Inc
|
Conventional, FHA, HELOC | 5 +2 HELOCs |
2.2% | 100% | $341,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 4 +1 HELOCs |
1.7% | 50% | $75,000 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 4 | 1.7% | 100% | $317,500 | |
Amerisave Mortgage Company
|
Conventional | 4 | 1.7% | 44.4% | $45,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, FHA | 3 | 1.3% | 100% | $481,666 | |
Newrez LLC
|
Conventional, VA | 3 | 1.3% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA, USDA | 3 | 1.3% | 100% | $248,333 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $220,000 | |
Go Mortgage, LLC
|
Conventional | 2 | 0.9% | 100% | $330,000 | |
Equity Prime Mortgage LLC
|
FHA, VA | 2 | 0.9% | 100% | $470,000 | |
Homeowners Financial Group, LLC
|
Conventional, FHA | 2 | 0.9% | 100% | $510,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.9% | 100% | $215,000 | View |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 0.9% | 100% | $80,000 | View |
Village Capital & Investment
|
FHA, VA | 2 | 0.9% | 66.7% | $375,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $545,000 | View |
American Financial Resources LLC
|
VA | 1 | 0.4% | 100% | $415,000 | |
Everett Financial, Inc.
|
FHA | 1 | 0.4% | 100% | $295,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.4% | 28.6% | $395,000 | |
Envoy Mortgage, Ltd
|
VA | 1 | 0.4% | 100% | $445,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.4% | 100% | $135,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.4% | 100% | $335,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.4% | 100% | $375,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.4% | 100% | $405,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0.4% | 100% | $475,000 | |
|
A+5.0 ★Texas Ratio: 5.98% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
Premier Lending Inc.
|
FHA | 1 | 0.4% | 100% | $465,000 | |
Starboard Financial Management, LLC
|
Conventional | 1 | 0.4% | 100% | $205,000 | |
Planet Home Lending, LLC
|
Conventional | 1 | 0.4% | 100% | $55,000 | |
Nationstar Mortgage
|
Conventional | 1 | 0.4% | 16.7% | $65,000 | |
Better Mortgage Corporation
|
FHA | 1 | 0.4% | 100% | $435,000 | |
Logan Finance Corporation
|
Conventional | 1 | 0.4% | 100% | $285,000 | |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.4% | 50% | $425,000 | |
21St Mortgage
|
Conventional | 1 | 0.4% | 66.7% | $205,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.4% | 100% | $425,000 | View |
Alliant Credit Union
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Rancho Calaveras 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 Rancho Calaveras, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho Calaveras? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho Calaveras in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho Calaveras, CA
Use these to narrow the list above. Each category shows how many Rancho Calaveras, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho Calaveras, CA
Independent mortgage companies closed 84.9 percent of home loans in Rancho Calaveras, California in 2025, banks 10.3 percent and credit unions 4.7 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Valley Strong Credit Union led with 2 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 Rancho Calaveras, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Rancho Calaveras, California with 6 loans, about 2.6 percent of the market. The largest lender headquartered in California was Valley Strong Credit Union with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Rancho Calaveras, California in 2025, led by United Wholesale Mortgage with 12. 15 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. 16 banks and 15 credit unions closed home loans in Rancho Calaveras, California in 2025, alongside 58 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 Rancho Calaveras, 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 Rancho Calaveras, 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 Rancho Calaveras. 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.
