Mortgage Lenders and Brokers in San Ardo, 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
San Ardo, California mortgage lenders include Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Kind Lending, LLCKind Lending, LLCIrvine, CA, Paramount Residential MortgageParamount Residential MortgageCorona, CA, loanDepot.com LLCloanDepot.com LLCIrvine, CA, Coastal Funding SLC, Inc.Coastal Funding SLC, Inc.San Luis Obispo, CA, Mason-McDuffie Mortgage CorporationMason-McDuffie Mortgage CorporationSan Ramon, CA, and United Wholesale Mortgage. 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 San Ardo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Ardo 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 San Ardo, California
Market share is the lender's share of all home loans closed in San Ardo, 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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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional, FHA | 3 | 12% | 100% | $541,666 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 4% | 100% | $205,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional | 2 | 8% | 100% | $325,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 8% | 100% | $255,000 | |
loanDepot.com LLC
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FHA | 1 | 4% | 100% | $595,000 | |
Coastal Funding SLC, Inc.
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Conventional | 1 | 4% | 100% | $585,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 4% | 100% | $625,000 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 2 +1 HELOCs |
8% | 100% | $490,000 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 8% | 100% | $270,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 4% | 100% | $795,000 | |
Rocket Mortgage
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Conventional | 1 | 4% | 50% | $805,000 | |
Freedom Mortgage Corporation
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VA | 1 | 4% | 100% | $615,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 4% | 100% | $655,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 4% | 100% | $455,000 | |
Valon Mortgage
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FHA | 1 | 4% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 4% | 100% | $875,000 | View |
Mortgage Research Center
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VA | 1 | 4% | 100% | $625,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 4% | 100% | $785,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 4% | 100% | $665,000 |
San Ardo 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 San Ardo, California
Looking for mortgage lenders near me or mortgage brokers near me in San Ardo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Ardo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in San Ardo, CA
Use these to narrow the list above. Each category shows how many San Ardo, CA lenders fit and what that kind of lender is usually best for.
Who Lends in San Ardo, CA
Independent mortgage companies closed 92 percent of home loans in San Ardo, California in 2025, banks 4 percent and credit unions 4 percent. Central Coast Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Sesloc Credit Union the largest credit union. Among lenders headquartered in California, Central Coast Lending, Inc. led with 3 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 San Ardo, CA
By home loans closed in 2025, Central Coast Lending, Inc. was the largest mortgage lender in San Ardo, California with 3 loans, about 12 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in San Ardo, California in 2025, led by Central Coast Lending, Inc. with 1. 4 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 1 banks and 3 credit unions closed home loans in San Ardo, California in 2025, alongside 17 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 San Ardo, 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 San Ardo, 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 San Ardo. 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.
