Mortgage Lenders and Brokers in Rio del Mar, 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
Rio del Mar, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Bay Federal Credit UnionBay Federal Credit Union48 Rancho Del Mar, Aptos, CA 95003A+5.0 ★Texas Ratio: 1.88%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, First BankFirst Bank1211 E Valley Blvd, Alhambra, CA 91801A+5.0 ★Texas Ratio: 4.74%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, and Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443. 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 Rio del Mar, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rio del Mar 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 Rio del Mar, California
Market share is the lender's share of all home loans closed in Rio del Mar, 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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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 7 | 5% | 100% | $1,096,428 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 6 +6 HELOCs |
4.3% | 85.7% | $975,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional, Jumbo, HELOC | 5 +9 HELOCs |
3.6% | 71.4% | $1,169,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +2 HELOCs |
2.9% | 80% | $640,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.1% | 100% | $1,018,333 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
1.4% | 40% | $540,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 2 +2 HELOCs |
1.4% | 66.7% | $815,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 2 | 1.4% | 100% | $580,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 2 | 1.4% | 100% | $955,000 | |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 2 | 1.4% | 100% | $755,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.4% | 100% | $110,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +7 HELOCs |
0.7% | 100% | $145,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.7% | 100% | $755,000 | View |
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350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.7% | 100% | $905,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.7% | 100% | $3,005,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
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% | n/a | View | |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 3 | 2.1% | 100% | $1,055,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 3 | 2.1% | 75% | $548,333 | |
Kind Lending, LLC
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Conventional | 2 | 1.4% | 100% | $920,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.4% | 66.7% | $435,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.4% | 100% | $830,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 1.4% | 100% | $1,555,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 1.4% | 100% | $775,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $705,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.7% | 100% | $565,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.7% | 100% | $565,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.7% | 100% | $2,505,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Hightechlending, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 19 | 13.6% | 100% | $924,473 | |
Rocket Mortgage
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Conventional, Jumbo | 17 | 12.1% | 94.4% | $443,823 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 6 +1 HELOCs |
4.3% | 100% | $910,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 3.6% | 100% | $1,103,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, HELOC | 3 +1 HELOCs |
2.1% | 75% | $851,666 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 2.1% | 100% | $1,108,333 | View |
Newrez LLC
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Conventional | 3 | 2.1% | 100% | $678,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.4% | 66.7% | $175,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 1.4% | 100% | $785,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.4% | 100% | $95,000 | |
Champions Funding, LLC
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Conventional | 2 | 1.4% | 100% | $790,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $365,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.7% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.7% | 100% | $4,975,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 100% | $425,000 | |
Primelending
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Conventional | 1 | 0.7% | 100% | $545,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.7% | 50% | $105,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $695,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.7% | 100% | $895,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.7% | 100% | $905,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $1,175,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Rio del Mar 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 Rio del Mar, California
Looking for mortgage lenders near me or mortgage brokers near me in Rio del Mar? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rio del Mar in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rio del Mar, CA
Use these to narrow the list above. Each category shows how many Rio del Mar, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rio del Mar, CA
Independent mortgage companies closed 63.6 percent of home loans in Rio del Mar, California in 2025, banks 28.6 percent and credit unions 7.9 percent. Synergy One Lending, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bay Federal Credit Union led with 5 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 Rio del Mar, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Rio del Mar, California with 7 loans, about 5 percent of the market. The largest lender headquartered in California was Bay Federal Credit Union with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Rio del Mar, California in 2025, led by CrossCountry Mortgage, LLC with 1. 0 lenders closed VA 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. 22 banks and 11 credit unions closed home loans in Rio del Mar, California in 2025, alongside 34 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 Rio del Mar, 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 Rio del Mar, 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 Rio del Mar. 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.
