Mortgage Lenders and Brokers in Richmond, 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
Richmond, California mortgage lenders include Citibank, NACitibank, NA3634 Macdonald Ave, Richmond, CA 94805A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA12121 San Pablo Ave, Richmond, CA 94805A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA4800 Macdonald Ave, Richmond, CA 94805A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA4300 Macdonald Ave, Richmond, CA 94805A+5.0 ★Texas Ratio: 5.36%, Cathay BankCathay Bank3288 Pierce St, Richmond, CA 94804A+5.0 ★Texas Ratio: 4.57%, Mechanics BankMechanics Bank3190 Klose Way, Richmond, CA 94806A+5.0 ★Texas Ratio: 1.81%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Travis Credit UnionTravis Credit Union3300 Klose Way Ste A, Richmond, CA 94806A+5.0 ★Texas Ratio: 4.51%, and PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%. 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 Richmond, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richmond 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 Richmond, California
Market share is the lender's share of all home loans closed in Richmond, 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 Richmond 3634 Macdonald Ave, Richmond, CA 94805 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 23 +2 HELOCs |
2.4% | 100% | $528,478 | View |
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2 offices in Richmond 12121 San Pablo Ave, Richmond, CA 94805 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA, HELOC | 22 +3 HELOCs |
2.3% | 82.1% | $525,909 | View |
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1 office in Richmond 4800 Macdonald Ave, Richmond, CA 94805 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 11 +24 HELOCs |
1.1% | 68.8% | $525,000 | View |
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1 office in Richmond 4300 Macdonald Ave, Richmond, CA 94805 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 11 | 1.1% | 100% | $394,090 | View |
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1 office in Richmond 3288 Pierce St, Richmond, CA 94804 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.1% | 100% | $425,000 | View |
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2 offices in Richmond 3190 Klose Way, Richmond, CA 94806 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 14 +3 HELOCs |
1.4% | 71.4% | $530,714 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 10 | 1% | 90.9% | $457,000 | View |
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3300 Klose Way Ste A, Richmond, CA 94806 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 9 +3 HELOCs |
0.9% | 75% | $128,333 | 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 | 6 +9 HELOCs |
0.6% | 100% | $491,666 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, FHA, HELOC | 6 +6 HELOCs |
0.6% | 100% | $546,666 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 6 | 0.6% | 85.7% | $576,666 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 5 +7 HELOCs |
0.5% | 71.4% | $699,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 5 | 0.5% | 100% | $693,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 4 +6 HELOCs |
0.4% | 44.4% | $70,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 4 +2 HELOCs |
0.4% | 100% | $230,000 | View |
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200 Chevron Way Rm 10 2114, Richmond, CA 94801 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 4 +2 HELOCs |
0.4% | 100% | $435,000 | View |
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2500 Nevin Ave, Richmond, CA 94804 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 4 | 0.4% | 50% | $625,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 4 | 0.4% | 66.7% | $272,500 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.4% | 66.7% | $280,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +13 HELOCs |
0.3% | 60% | $291,666 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 3 | 0.3% | 100% | $481,666 | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 3 | 0.3% | 100% | $205,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 2 +4 HELOCs |
0.2% | 100% | $380,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $340,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, VA | 2 | 0.2% | 40% | $755,000 | View |
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1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 2 | 0.2% | 100% | $450,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $495,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.1% | 100% | $425,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.1% | 100% | $1,095,000 | View |
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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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3447 Atlantic Ave, Long Beach, CA 90807 A5.0 ★Texas Ratio: 6.01% |
Conventional | 1 | 0.1% | 33.3% | $445,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.1% | 33.3% | $1,085,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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510 Canal St Ste R, King City, CA 93930 3443 |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
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 | 51 +1 HELOCs |
5.3% | 83.6% | $569,705 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 22 | 2.3% | 88% | $482,272 | |
New American Funding, LLC.
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Conventional, FHA | 19 | 2% | 86.4% | $408,684 | |
Paramount Residential Mortgage
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Conventional, FHA | 18 | 1.9% | 94.7% | $360,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 14 | 1.4% | 84.2% | $425,000 | View |
Provident Funding Associates
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Conventional | 10 | 1% | 83.3% | $565,000 | |
New Wave Lending Group Inc
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Conventional | 9 | 0.9% | 100% | $567,222 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 8 | 0.8% | 80% | $656,250 | |
Kind Lending, LLC
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Conventional, FHA | 7 | 0.7% | 63.6% | $517,857 | |
Nmsi, Inc.
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Conventional, FHA | 7 | 0.7% | 100% | $477,857 | |
Guild Mortgage Company
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Conventional, VA | 6 | 0.6% | 80% | $418,333 | |
AmWest Funding Corp
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Conventional | 5 | 0.5% | 100% | $365,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 4 | 0.4% | 80% | $220,000 | |
General Mortgage Capital Corporation
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Conventional | 4 | 0.4% | 100% | $365,000 | |
Flexpoint, Inc.
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Conventional, FHA | 4 | 0.4% | 100% | $325,000 | |
Land Home Financial Services,
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Conventional, FHA | 4 | 0.4% | 100% | $485,000 | |
AdvantageFirst Lending Inc
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Conventional | 3 | 0.3% | 100% | $331,666 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.3% | 75% | $528,333 | |
Stg Mortgage Inc
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Conventional | 3 | 0.3% | 100% | $595,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 0.3% | 100% | $535,000 | |
Nexera Holding LLC
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Conventional | 3 | 0.3% | 100% | $411,666 | |
Googain, Inc.
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Conventional | 2 | 0.2% | 100% | $495,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $515,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.2% | 66.7% | $390,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 0.2% | 100% | $450,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $585,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.1% | 100% | $625,000 | |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Instamortgage, Inc
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FHA | 1 | 0.1% | 100% | $535,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 25% | $325,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.1% | 100% | $385,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.1% | 50% | $555,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $455,000 | |
SnapFi, Inc.
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FHA | 1 | 0.1% | 100% | $375,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Ardri LLC
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Conventional | 1 | 0.1% | 100% | $535,000 | |
Iserve Residential Lending
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FHA | 1 | 0.1% | 100% | $595,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 50% | $545,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Banc One Mortage Corporation
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Conventional | 1 | 0.1% | 100% | $555,000 | |
Coastal Funding SLC, Inc.
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Conventional | 1 | 0.1% | 100% | $515,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +11 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 122 +9 HELOCs |
12.6% | 84.8% | $548,606 | |
Rocket Mortgage
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Conventional, FHA, VA | 109 | 11.2% | 73.1% | $433,715 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 45 +2 HELOCs |
4.6% | 97.8% | $522,555 | |
Vellum Mortgage, Inc.
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Conventional, FHA, VA | 31 | 3.2% | 100% | $520,806 | |
Everett Financial, Inc.
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Conventional, FHA, HELOC | 30 +2 HELOCs |
3.1% | 96.8% | $399,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 15 +1 HELOCs |
1.5% | 100% | $553,666 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 15 | 1.5% | 100% | $423,000 | |
Spring Eq, LLC
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Conventional, HELOC | 10 +3 HELOCs |
1% | 37% | $115,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 10 | 1% | 100% | $542,000 | |
The Loan Store, Inc
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Conventional, HELOC | 9 +3 HELOCs |
0.9% | 100% | $433,888 | |
Newrez LLC
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Conventional, FHA | 9 | 0.9% | 39.1% | $346,111 | |
Nationstar Mortgage
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Conventional | 9 | 0.9% | 75% | $197,222 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 8 | 0.8% | 100% | $238,750 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 7 | 0.7% | 87.5% | $605,000 | |
Ameritrust Mortgage Corporation
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Conventional, FHA | 7 | 0.7% | 100% | $367,857 | |
Mortgage Research Center
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Conventional, VA | 7 | 0.7% | 87.5% | $566,428 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 7 | 0.7% | 100% | $559,285 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 6 | 0.6% | 85.7% | $546,666 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 6 | 0.6% | 88.9% | $471,666 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 6 | 0.6% | 100% | $555,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 4 | 0.4% | 100% | $255,000 | |
Freedom Mortgage Corporation
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FHA | 4 | 0.4% | 80% | $432,500 | |
Allied Mortgage Group, Inc
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Conventional, FHA | 3 | 0.3% | 100% | $281,666 | |
Loanunited.Com, LLC
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Conventional, VA | 3 | 0.3% | 75% | $625,000 | |
Intercap Lending Inc
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Conventional, FHA | 3 | 0.3% | 100% | $491,666 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 0.3% | 83.3% | $471,666 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +4 HELOCs |
0.2% | 100% | $275,000 | |
Panorama Mortgage Group, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $435,000 | |
Originpoint, LLC
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Conventional | 2 | 0.2% | 100% | $645,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.2% | 66.7% | $415,000 | |
Primary Residential Mortgage, INC.
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FHA | 2 | 0.2% | 100% | $670,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 2 | 0.2% | 100% | $770,000 | View |
Equity Prime Mortgage LLC
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FHA | 2 | 0.2% | 100% | $325,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.2% | 100% | $700,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $500,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.2% | 15.8% | $120,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.2% | 100% | $475,000 | |
Discover Bank
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Conventional | 2 | 0.2% | 18.8% | $50,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $810,000 | |
Uif Corporation
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Conventional | 2 | 0.2% | 100% | $350,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.2% | 100% | $210,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 0.2% | 100% | $905,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 50% | $95,000 | View |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $425,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $535,000 | |
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B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 0.01% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $365,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.1% | 21.1% | $85,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $505,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 50% | $315,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $685,000 | |
Usalliance Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $715,000 | View |
Securitynational Mortgage Company
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.1% | 50% | $515,000 | |
Peoples Mortgage Company
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FHA | 1 | 0.1% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.1% | 100% | $515,000 | View |
Boeing Employees' Credit Union
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Conventional | 1 | 0.1% | 100% | $1,065,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.1% | 100% | $545,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $765,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.1% | 50% | $845,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Right Start Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $505,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $515,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $575,000 | View |
First Technology Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $45,000 | |
Luxury Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.1% | 100% | $615,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $675,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 50% | $505,000 | |
Village Capital & Investment
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FHA | 1 | 0.1% | 50% | $495,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +5 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 2.07% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Richmond 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 Richmond, California
Looking for mortgage lenders near me or mortgage brokers near me in Richmond? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richmond in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richmond, CA
Use these to narrow the list above. Each category shows how many Richmond, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Richmond, CA
Independent mortgage companies closed 78.5 percent of home loans in Richmond, California in 2025, banks 16.4 percent and credit unions 5.2 percent. Change Lending was the largest mortgage company, Citibank, NA the largest bank and Travis Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 11 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 Richmond, CA
By home loans closed in 2025, Citibank, NA was the largest mortgage lender in Richmond, California with 23 loans, about 2.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Richmond, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.8 percent, against a 80.4 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.
48 lenders closed FHA loans in Richmond, California in 2025, led by Rocket Mortgage with 18. 14 lenders closed VA loans, led by United Wholesale 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. 37 banks and 30 credit unions closed home loans in Richmond, California in 2025, alongside 109 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 Richmond, 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 Richmond, 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 Richmond. 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.
