Mortgage Lenders and Brokers in San Lorenzo, 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 Lorenzo, California mortgage lenders include BMO Harris Bank NABMO Harris Bank NA17833 Hesperian Blvd, San Lorenzo, CA 94580A+5.0 ★Texas Ratio: 3.54%, Wells Fargo Bank NAWells Fargo Bank NA16000 Hesperian Blvd, San Lorenzo, CA 94580A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA429 Paseo Grande, San Lorenzo, CA 94580A+5.0 ★Texas Ratio: 2.82%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, 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, NA18499 Hesperian Blvd, San Lorenzo, CA 94580A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%. 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 Lorenzo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Lorenzo 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 Lorenzo, California
Market share is the lender's share of all home loans closed in San Lorenzo, 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 San Lorenzo 17833 Hesperian Blvd, San Lorenzo, CA 94580 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 5 +10 HELOCs |
1.9% | 83.3% | $625,000 | View |
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1 office in San Lorenzo 16000 Hesperian Blvd, San Lorenzo, CA 94580 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.5% | 100% | $602,500 | View |
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1 office in San Lorenzo 429 Paseo Grande, San Lorenzo, CA 94580 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $745,000 | 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 | 8 +5 HELOCs |
3% | 100% | $711,250 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 7 +5 HELOCs |
2.6% | 87.5% | $645,000 | View |
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18499 Hesperian Blvd, San Lorenzo, CA 94580 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 7 +2 HELOCs |
2.6% | 77.8% | $577,857 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 5 | 1.9% | 100% | $343,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 4 +2 HELOCs |
1.5% | 100% | $555,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 4 | 1.5% | 100% | $670,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +8 HELOCs |
0.8% | 100% | $455,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 2 +7 HELOCs |
0.8% | 100% | $420,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +6 HELOCs |
0.8% | 40% | $460,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 50% | $120,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $595,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.4% | 100% | $575,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.4% | 50% | $715,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 0.4% | 100% | $715,000 | View |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
HELOC | 0 +2 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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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
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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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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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New Wave Lending Group Inc
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Conventional | 25 | 9.4% | 100% | $633,000 | |
AmWest Funding Corp
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Conventional | 12 | 4.5% | 100% | $555,833 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 8 +1 HELOCs |
3% | 100% | $365,000 | |
General Mortgage Capital Corporation
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Conventional | 8 | 3% | 100% | $458,750 | |
Nmsi, Inc.
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Conventional, FHA | 7 | 2.6% | 100% | $566,428 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 1.9% | 100% | $573,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.5% | 57.1% | $312,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 1.1% | 100% | $721,666 | |
Emet Lending Group, Inc.
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Conventional | 3 | 1.1% | 100% | $558,333 | |
AAA Capital Investment, Inc
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Conventional | 2 | 0.8% | 100% | $575,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.8% | 100% | $705,000 | |
Resicentral LLC
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Conventional | 2 | 0.8% | 100% | $590,000 | |
Googain, Inc.
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Conventional | 2 | 0.8% | 100% | $630,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 0.8% | 100% | $615,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $765,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.4% | 100% | $645,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
Royal Pacific Funding
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.4% | 100% | $985,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 50% | $455,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.4% | 100% | $635,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $555,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $595,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Figure Lending LLC
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HELOC | 0 +4 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 | 34 | 12.8% | 82.9% | $478,529 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 22 +4 HELOCs |
8.3% | 91.7% | $644,545 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, USDA, HELOC | 8 +1 HELOCs |
3% | 100% | $562,500 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 4 +2 HELOCs |
1.5% | 100% | $697,500 | |
Everett Financial, Inc.
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Conventional | 4 | 1.5% | 100% | $345,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1.5% | 80% | $437,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 1.5% | 100% | $745,000 | |
Amerisave Mortgage Company
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Conventional | 3 | 1.1% | 60% | $61,666 | |
The Loan Store, Inc
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Conventional | 3 | 1.1% | 100% | $551,666 | |
Ameritrust Mortgage Corporation
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Conventional | 2 | 0.8% | 100% | $715,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.8% | 100% | $630,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $665,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.4% | 100% | $835,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.4% | 100% | $675,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Newrez LLC
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VA | 1 | 0.4% | 33.3% | $845,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 50% | $745,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.4% | 100% | $755,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 66.7% | $215,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $795,000 | |
Dart Bank
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Conventional | 1 | 0.4% | 100% | $565,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Intouch Credit Union
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.4% | 100% | $855,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $345,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $515,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Airlines Federal Cred
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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 |
San Lorenzo 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 Lorenzo, California
Looking for mortgage lenders near me or mortgage brokers near me in San Lorenzo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Lorenzo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in San Lorenzo, CA
Use these to narrow the list above. Each category shows how many San Lorenzo, CA lenders fit and what that kind of lender is usually best for.
Who Lends in San Lorenzo, CA
Independent mortgage companies closed 76.6 percent of home loans in San Lorenzo, California in 2025, banks 17.7 percent and credit unions 5.7 percent. Sun West Mortgage Company, Inc was the largest mortgage company, BMO Harris Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, The Golden 1 Credit Union led with 4 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 Lorenzo, CA
By home loans closed in 2025, BMO Harris Bank NA was the largest mortgage lender in San Lorenzo, California with 5 loans, about 1.9 percent of the market. The largest lender headquartered in California was The Golden 1 Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in San Lorenzo, California in 2025, led by United Wholesale Mortgage with 4. 4 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. 18 banks and 16 credit unions closed home loans in San Lorenzo, California in 2025, alongside 54 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 Lorenzo, 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 Lorenzo, 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 Lorenzo. 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.
