Mortgage Lenders and Brokers in San Pablo, 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 Pablo, California mortgage lenders include Citibank, NACitibank, NA201 San Pablo Town Center, San Pablo, CA 94806A+5.0 ★Texas Ratio: 2.82%, 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%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%, Wells Fargo Bank NAWells Fargo Bank NA3360 San Pablo Dam Rd, San Pablo, CA 94803A+5.0 ★Texas Ratio: 5.36%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 Pablo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Pablo 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 Pablo, California
Market share is the lender's share of all home loans closed in San Pablo, 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 Pablo 201 San Pablo Town Center, San Pablo, CA 94806 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 4 +1 HELOCs |
2% | 66.7% | $565,000 | View |
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1 office in San Pablo 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.5% | 100% | $275,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
1.5% | 60% | $511,666 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.5% | 100% | $418,333 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.5% | 100% | $495,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 40% | $185,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 100% | $145,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 2 | 1% | 100% | $315,000 | View |
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3360 San Pablo Dam Rd, San Pablo, CA 94803 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1% | 40% | $240,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1% | 100% | $125,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $175,000 | View |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 50% | $225,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $105,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $55,000 | View |
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200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.5% | 100% | $575,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
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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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 3.6% | 87.5% | $310,714 | |
Kind Lending, LLC
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Conventional, FHA | 5 | 2.6% | 83.3% | $449,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 2% | 66.7% | $465,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 3 | 1.5% | 100% | $118,333 | |
Provident Funding Associates
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Conventional | 3 | 1.5% | 100% | $388,333 | |
loanDepot.com LLC
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Conventional | 2 | 1% | 100% | $130,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 1% | 100% | $240,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 1% | 60% | $510,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $635,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.5% | 100% | $485,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.5% | 100% | $585,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.5% | 50% | $415,000 | |
Winprime Lending
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FHA | 1 | 0.5% | 100% | $615,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.5% | 100% | $405,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.5% | 100% | $275,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.5% | 100% | $465,000 | |
Ardri LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 33.3% | $505,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $75,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $575,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 32 +3 HELOCs |
16.3% | 74.4% | $459,687 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 13.8% | 65.1% | $371,296 | |
Everett Financial, Inc.
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Conventional, FHA | 9 | 4.6% | 100% | $447,222 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 6 | 3.1% | 100% | $398,333 | |
Vellum Mortgage, Inc.
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Conventional | 6 | 3.1% | 100% | $516,666 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 2% | 71.4% | $180,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 4 | 2% | 100% | $372,500 | |
Newrez LLC
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Conventional | 2 | 1% | 42.9% | $380,000 | |
Envoy Mortgage, Ltd
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FHA, VA | 2 | 1% | 100% | $605,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1% | 100% | $380,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1% | 75% | $160,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 2 | 1% | 100% | $465,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 1% | 100% | $415,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1% | 100% | $205,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 1% | 100% | $605,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 16.7% | $55,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.5% | 100% | $445,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $575,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 16.7% | $635,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $505,000 | |
Success Lending, LLC
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Conventional | 1 | 0.5% | 100% | $275,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 33.3% | $105,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $155,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $395,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 33.3% | $585,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Right Start Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $615,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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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 | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
San Pablo 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 Pablo, California
Looking for mortgage lenders near me or mortgage brokers near me in San Pablo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Pablo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in San Pablo, CA
Use these to narrow the list above. Each category shows how many San Pablo, CA lenders fit and what that kind of lender is usually best for.
Who Lends in San Pablo, CA
Independent mortgage companies closed 82.7 percent of home loans in San Pablo, California in 2025, banks 13.3 percent and credit unions 4.1 percent. Change Lending was the largest mortgage company, Citibank, NA the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 1 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 Pablo, CA
By home loans closed in 2025, Citibank, NA was the largest mortgage lender in San Pablo, California with 4 loans, about 2 percent of the market. The largest lender headquartered in California was Bank of America NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in San Pablo, California in 2025, led by United Wholesale Mortgage with 8. 4 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. 17 banks and 13 credit unions closed home loans in San Pablo, 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 Pablo, 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 Pablo, 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 Pablo. 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.
