Mortgage Lenders and Brokers in Ripon, 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
Ripon, California mortgage lenders include Bank of StocktonBank of Stockton234 W Main St, Ripon, CA 95366A+5.0 ★Texas Ratio: 0.21%, BMO Harris Bank NABMO Harris Bank NA411 W Main St, Ripon, CA 95366A+5.0 ★Texas Ratio: 3.54%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, and California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%. 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 Ripon, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ripon 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 Ripon, California
Market share is the lender's share of all home loans closed in Ripon, 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 Ripon 234 W Main St, Ripon, CA 95366 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 9 | 4.4% | 75% | $178,333 | View |
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1 office in Ripon 411 W Main St, Ripon, CA 95366 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +14 HELOCs |
0% | n/a | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 5 +2 HELOCs |
2.5% | 100% | $371,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $505,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 50% | $405,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $225,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $45,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $665,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.5% | 50% | $655,000 | View |
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1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
FHA | 1 | 0.5% | 50% | $575,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 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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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 9 | 4.4% | 100% | $483,888 | |
Kind Lending, LLC
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Conventional, FHA, Jumbo | 7 | 3.4% | 80% | $633,571 | |
loanDepot.com LLC
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Conventional | 6 | 3% | 87.5% | $211,666 | |
Pennymac Loan Services LLC
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Conventional | 5 | 2.5% | 100% | $435,000 | |
Generations Home Loans, LLC
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Conventional, Jumbo | 4 | 2% | 100% | $760,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 3 | 1.5% | 100% | $585,000 | |
Alameda Mortgage Corporation
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Conventional | 2 | 1% | 100% | $245,000 | |
Guild Mortgage Company
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Conventional | 2 | 1% | 100% | $455,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 1% | 100% | $520,000 | |
AmWest Funding Corp
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Conventional | 2 | 1% | 100% | $375,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 1% | 100% | $275,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 2 | 1% | 100% | $580,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 1% | 100% | $295,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $315,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.5% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.5% | 100% | $625,000 | View |
Flexpoint, Inc.
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Network Capital Funding Corporation
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FHA | 1 | 0.5% | 100% | $435,000 | |
Greenbox Loans
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.5% | 100% | $485,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.5% | 100% | $535,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $425,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,485,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 39 | 19.2% | 87.5% | $332,179 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 24 +4 HELOCs |
11.8% | 85.7% | $615,416 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 6 +1 HELOCs |
3% | 100% | $543,333 | |
Newrez LLC
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Conventional, FHA, VA, Jumbo | 6 | 3% | 75% | $403,333 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +1 HELOCs |
2.5% | 55.6% | $115,000 | |
Nationstar Mortgage
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Conventional | 5 | 2.5% | 62.5% | $329,000 | |
The Loan Store, Inc
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Conventional | 5 | 2.5% | 85.7% | $435,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 3 +1 HELOCs |
1.5% | 100% | $655,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
1% | 100% | $310,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1% | 100% | $730,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 2 | 1% | 100% | $705,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, FHA | 2 | 1% | 100% | $530,000 | View |
Alliant Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $725,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $615,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 57.1% | $665,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.5% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $465,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.5% | 100% | $905,000 | View |
Mortgage Research Center
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VA, Jumbo | 1 | 0.5% | 33.3% | $1,135,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $565,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.5% | 100% | $865,000 | |
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A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.5% | 100% | $915,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 100% | $325,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ripon 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 Ripon, California
Looking for mortgage lenders near me or mortgage brokers near me in Ripon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ripon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ripon, CA
Use these to narrow the list above. Each category shows how many Ripon, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Ripon, CA
Independent mortgage companies closed 82.3 percent of home loans in Ripon, California in 2025, banks 10.3 percent and credit unions 7.4 percent. American Pacific Mortgage Corporation was the largest mortgage company, Bank of Stockton the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of Stockton led with 9 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 Ripon, CA
By home loans closed in 2025, Bank of Stockton was the largest mortgage lender in Ripon, California with 9 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Ripon, California in 2025, led by United Wholesale Mortgage with 5. 8 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. 18 banks and 16 credit unions closed home loans in Ripon, California in 2025, alongside 49 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 Ripon, 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 Ripon, 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 Ripon. 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.
