Mortgage Lenders and Brokers in Salinas, 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
Salinas, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA800 E Alisal St, Salinas, CA 93905A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1037 S Main St, Salinas, CA 93901A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.1890 N Main St, Salinas, CA 93906A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA800 Northridge Ctr, Salinas, CA 93906A+5.0 ★Texas Ratio: 4.14%, Mechanics BankMechanics Bank301 Main St, Salinas, CA 93901A+5.0 ★Texas Ratio: 1.81%, Bay Federal Credit UnionBay Federal Credit Union1524 N Main St, Salinas, CA 93906A+5.0 ★Texas Ratio: 1.88%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, and Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. 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 Salinas, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Salinas 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 Salinas, California
Market share is the lender's share of all home loans closed in Salinas, 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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3 offices in Salinas 800 E Alisal St, Salinas, CA 93905 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 38 +5 HELOCs |
4% | 93.2% | $448,947 | View |
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5 offices in Salinas 1037 S Main St, Salinas, CA 93901 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 14 | 1.5% | 71.4% | $477,142 | View |
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2 offices in Salinas 1890 N Main St, Salinas, CA 93906 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 9 +18 HELOCs |
0.9% | 45.5% | $373,888 | View |
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3 offices in Salinas 800 Northridge Ctr, Salinas, CA 93906 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +29 HELOCs |
0.6% | 66.7% | $405,000 | View |
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2 offices in Salinas 301 Main St, Salinas, CA 93901 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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1524 N Main St, Salinas, CA 93906 A+5.0 ★Texas Ratio: 1.88% |
Conventional, HELOC | 24 +15 HELOCs |
2.5% | 63.2% | $248,333 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 8 | 0.8% | 81.8% | $192,500 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 4 | 0.4% | 100% | $515,000 | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 0.2% | 100% | $90,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 50% | $125,000 | View |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $65,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $65,000 | View |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.1% | 100% | $635,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.1% | 50% | $725,000 | View |
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1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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1566 N Main St, Salinas, CA 93906 A5.0 ★Texas Ratio: 7.29% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.1% | 50% | $155,000 | View |
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★ 5 stars, 1 review 1141 S Main St, Salinas, CA 93901 2203 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +17 HELOCs |
0% | n/a | View | |
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1273 N Davis Rd, Salinas, CA 93907 1988 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +14 HELOCs |
0% | 50% | 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 +6 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 +5 HELOCs |
0% | n/a | View | |
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8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92% |
HELOC | 0 +3 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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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sea West Coast Gurad FCU
Coast Guard Island, Alameda, CA 94501 5100 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 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 +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 | |
Franklin Loan Corporation
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Conventional, FHA, VA | 61 | 6.4% | 98.4% | $441,393 | |
Flexpoint, Inc.
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Conventional, FHA | 59 | 6.2% | 98.7% | $562,796 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 30 +3 HELOCs |
3.2% | 73.8% | $320,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 21 | 2.2% | 81.5% | $396,904 | |
Paramount Residential Mortgage
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Conventional, FHA | 20 | 2.1% | 95.2% | $467,000 | |
Summit Funding.Inc
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Conventional, FHA | 19 | 2% | 95% | $560,263 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA | 18 | 1.9% | 94.7% | $470,555 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
1.8% | 86.2% | $515,588 | View |
Bay-Valley Mortgage Group
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Conventional, FHA | 15 | 1.6% | 100% | $429,666 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, FHA | 8 | 0.8% | 100% | $415,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 8 | 0.8% | 80% | $507,500 | |
Kind Lending, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.7% | 70% | $350,714 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 6 | 0.6% | 50% | $480,000 | |
ML Mortgage Corp.
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Conventional | 5 | 0.5% | 100% | $519,000 | |
AmWest Funding Corp
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Conventional, FHA | 4 | 0.4% | 100% | $600,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 0.4% | 80% | $487,500 | |
Guild Mortgage Company
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Conventional | 3 | 0.3% | 100% | $265,000 | |
Provident Funding Associates
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Conventional | 3 | 0.3% | 100% | $658,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 3 | 0.3% | 100% | $865,000 | |
Nmsi, Inc.
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Conventional | 3 | 0.3% | 100% | $518,333 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 2 | 0.2% | 100% | $815,000 | |
Resicentral LLC
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Conventional, FHA | 2 | 0.2% | 100% | $640,000 | |
American Internet Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $155,000 | |
Land Home Financial Services,
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Conventional | 2 | 0.2% | 66.7% | $595,000 | |
Hometown Equity Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 28.6% | $400,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.2% | 100% | $175,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.1% | 100% | $875,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.1% | 100% | $705,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.1% | 100% | $335,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $395,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Royal Pacific Funding
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FHA | 1 | 0.1% | 100% | $495,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Greenbox Loans
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Conventional | 1 | 0.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 66.7% | $625,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Figure Lending LLC
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HELOC | 0 +23 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 154 +19 HELOCs |
16.2% | 88.7% | $555,714 | |
Rocket Mortgage
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Conventional, FHA, VA | 121 | 12.7% | 83% | $368,553 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 24 | 2.5% | 100% | $577,083 | |
Primelending
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Conventional, FHA, VA | 21 | 2.2% | 96.3% | $508,809 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA, Jumbo | 18 | 1.9% | 100% | $540,000 | |
Nationstar Mortgage
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Conventional, FHA | 18 | 1.9% | 70.4% | $177,777 | |
Spring Eq, LLC
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Conventional, HELOC | 14 +5 HELOCs |
1.5% | 42.4% | $102,857 | |
Newrez LLC
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Conventional | 12 | 1.3% | 48% | $235,833 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 11 | 1.2% | 78.6% | $525,909 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 8 +6 HELOCs |
0.8% | 88.9% | $421,250 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 8 +1 HELOCs |
0.8% | 100% | $440,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo | 8 | 0.8% | 100% | $815,000 | |
Amerisave Mortgage Company
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Conventional | 8 | 0.8% | 47.4% | $177,500 | |
Triad Financial Services, Inc.
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Conventional | 7 | 0.7% | 64.7% | $177,857 | |
First Colony Mortgage Corporat
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Conventional, FHA | 5 | 0.5% | 100% | $587,000 | |
Discover Bank
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Conventional | 4 | 0.4% | 33.3% | $102,500 | |
Village Capital & Investment
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FHA, VA | 4 | 0.4% | 87.5% | $597,500 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.3% | 100% | $475,000 | View |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.3% | 46.2% | $445,000 | |
Equity Prime Mortgage LLC
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FHA | 3 | 0.3% | 60% | $598,333 | |
Planet Home Lending, LLC
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FHA | 3 | 0.3% | 75% | $781,666 | |
Mortgage Research Center
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VA | 3 | 0.3% | 60% | $528,333 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +8 HELOCs |
0.2% | 66.7% | $505,000 | View |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 2 +2 HELOCs |
0.2% | 100% | $710,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.2% | 66.7% | $265,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $560,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA, USDA | 2 | 0.2% | 100% | $260,000 | View |
American Financing Corporation
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Conventional | 2 | 0.2% | 40% | $120,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $535,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.2% | 50% | $670,000 | |
Oaktree Funding Corp
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $385,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $645,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $45,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $655,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 50% | $695,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $645,000 | |
Dart Bank
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FHA | 1 | 0.1% | 100% | $525,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.1% | 100% | $345,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 50% | $125,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 50% | $525,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.1% | 100% | $715,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $745,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $665,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
Ussfcu
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Conventional | 1 | 0.1% | 100% | $95,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $635,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $635,000 | |
21St Mortgage
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Conventional | 1 | 0.1% | 10% | $115,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +11 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-4.8 ★Texas Ratio: 12.33% |
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 | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Salinas 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 Salinas, California
Looking for mortgage lenders near me or mortgage brokers near me in Salinas? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Salinas in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Salinas, CA
Use these to narrow the list above. Each category shows how many Salinas, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Salinas, CA
Independent mortgage companies closed 83.8 percent of home loans in Salinas, California in 2025, banks 11.7 percent and credit unions 4.5 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 6 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 Salinas, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Salinas, California with 38 loans, about 4 percent of the market. The largest lender headquartered in California was Bank of America NA with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Salinas, California, Flexpoint, Inc. approved the highest share of completed applications in 2025 at 98.7 percent, against a 80.3 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.
43 lenders closed FHA loans in Salinas, California in 2025, led by United Wholesale Mortgage with 47. 19 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. 24 banks and 26 credit unions closed home loans in Salinas, California in 2025, alongside 84 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 Salinas, 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 Salinas, 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 Salinas. 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.
