Mortgage Lenders and Brokers in Salida, 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
Salida, California mortgage lenders include Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce785 Oak Grove Rd, Concord, CA 94518A+5.0 ★Texas Ratio: 0.87%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Bank of StocktonBank of Stockton229 S Main St, Angels Camp, CA 95222A+5.0 ★Texas Ratio: 0.21%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, 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 Salida, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Salida 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 Salida, California
Market share is the lender's share of all home loans closed in Salida, 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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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional, Jumbo | 8 | 3.8% | 80% | $481,250 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
1.9% | 100% | $405,000 | View |
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229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 4 | 1.9% | 100% | $290,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +2 HELOCs |
1.4% | 75% | $288,333 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
1.4% | 80% | $298,333 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.4% | 100% | $675,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $85,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $365,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, VA | 2 | 0.9% | 100% | $415,000 | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +9 HELOCs |
0.5% | 33.3% | $445,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $35,000 | 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% | $265,000 | 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 | 1 +1 HELOCs |
0.5% | 100% | $385,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.5% | 100% | $455,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 25% | $325,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +5 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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175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29% |
HELOC | 0 +1 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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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
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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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, FHA, Jumbo | 11 | 5.2% | 100% | $328,636 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 11 | 5.2% | 100% | $288,636 | |
Kind Lending, LLC
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Conventional, FHA, VA, Jumbo | 7 | 3.3% | 70% | $557,857 | |
Flexpoint, Inc.
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Conventional, FHA | 5 | 2.4% | 100% | $439,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1.9% | 57.1% | $347,500 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 1.9% | 100% | $260,000 | |
Generations Home Loans, LLC
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Conventional, Jumbo | 4 | 1.9% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 3 | 1.4% | 100% | $258,333 | View |
Franklin Loan Corporation
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Conventional, Jumbo | 3 | 1.4% | 100% | $711,666 | |
Fundloans Capital
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Conventional, Jumbo | 2 | 0.9% | 100% | $985,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.9% | 100% | $400,000 | |
Summit Funding.Inc
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Conventional | 2 | 0.9% | 100% | $255,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $535,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.5% | 100% | $475,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,135,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $505,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 100% | $405,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 32 | 15.2% | 80.5% | $356,562 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 29 +1 HELOCs |
13.7% | 80.6% | $530,172 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
3.3% | 100% | $352,142 | |
The Loan Store, Inc
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Conventional, HELOC | 5 +2 HELOCs |
2.4% | 100% | $347,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 1.9% | 100% | $425,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1.4% | 100% | $335,000 | |
Nationstar Mortgage
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Conventional | 3 | 1.4% | 75% | $58,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $55,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.9% | 33.3% | $420,000 | |
Freedom Mortgage Corporation
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VA | 2 | 0.9% | 42.9% | $420,000 | |
Newrez LLC
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FHA | 2 | 0.9% | 66.7% | $470,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.9% | 100% | $695,000 | View |
Oaktree Funding Corp
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.5% | 100% | $465,000 | View |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $305,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 20% | $135,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Bay Equity LLC
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $445,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 100% | $485,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $185,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,085,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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 | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Salida 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 Salida, California
Looking for mortgage lenders near me or mortgage brokers near me in Salida? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Salida in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Salida, CA
Use these to narrow the list above. Each category shows how many Salida, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Salida, CA
Independent mortgage companies closed 80.6 percent of home loans in Salida, California in 2025, banks 16.6 percent and credit unions 2.8 percent. Change Lending was the largest mortgage company, Farmers & Merchants Bank of Ce the largest bank and Patelco Credit Union the largest credit union. Among lenders headquartered in California, Farmers & Merchants Bank of Ce led with 8 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 Salida, CA
By home loans closed in 2025, Farmers & Merchants Bank of Ce was the largest mortgage lender in Salida, California with 8 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Salida, California in 2025, led by United Wholesale Mortgage with 10. 10 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. 20 banks and 12 credit unions closed home loans in Salida, California in 2025, alongside 46 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 Salida, 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 Salida, 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 Salida. 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.
