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Mortgage Lenders and Brokers in San Ramon, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

San Ramon, California mortgage lenders include Bank of America NABank of America NA450 Montgomery St, San Ramon, CA 94583A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA116 Sunset Dr, San Ramon, CA 94583A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.3223 Crow Canyon Rd, San Ramon, CA 94583A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA3101 Crow Canyon Pl, San Ramon, CA 94583A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3130 Crow Canyon Pl, San Ramon, CA 94583A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA2527 Camino Ramon, San Ramon, CA 94583A+5.0 ★Texas Ratio: 3.54%, Fremont BankFremont Bank21001 San Ramon Valley Blvd, San Ramon, CA 94583A+5.0 ★Texas Ratio: 4.11%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Provident Credit UnionProvident Credit Union11030 Bollinger Canyon Rd Ste 190, San Ramon, CA 94582 4874A+5.0 ★Texas Ratio: 0.49%, and Patelco Credit UnionPatelco Credit Union6000 Bollinger Canyon Rd STE 1612, San Ramon, CA 94583A5.0 ★Texas Ratio: 6.65%. 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 Ramon, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Ramon 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 Ramon, California

Market share is the lender's share of all home loans closed in San Ramon, 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
Bank of America NA 1 office in San Ramon 450 Montgomery St, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	122 +60 HELOCs	10.3%	93.1%	$1,331,311	View
Wells Fargo Bank NA 2 offices in San Ramon 116 Sunset Dr, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	122	10.3%	91.7%	$1,295,163	View
US Bank, N.A. 1 office in San Ramon 3223 Crow Canyon Rd, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	104 +13 HELOCs	8.8%	83.7%	$1,251,153	View
Citibank, NA 1 office in San Ramon 3101 Crow Canyon Pl, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	60 +8 HELOCs	5.1%	93.8%	$1,338,333	View
JPMorgan Chase Bank, NA 3 offices in San Ramon 3130 Crow Canyon Pl, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	49 +1 HELOCs	4.1%	86%	$1,236,428	View
BMO Harris Bank NA 1 office in San Ramon 2527 Camino Ramon, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	26 +21 HELOCs	2.2%	77.1%	$1,405,384	View
Fremont Bank 1 office in San Ramon 21001 San Ramon Valley Blvd, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	10 +43 HELOCs	0.8%	71.4%	$718,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	57 +9 HELOCs	4.8%	80.8%	$1,326,228	View
Provident Credit Union 11030 Bollinger Canyon Rd Ste 190, San Ramon, CA 94582 4874 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	25 +4 HELOCs	2.1%	100%	$1,211,800	View
Patelco Credit Union 6000 Bollinger Canyon Rd STE 1612, San Ramon, CA 94583 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	24 +23 HELOCs	2%	93.1%	$1,015,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	17 +10 HELOCs	1.4%	83.3%	$830,882	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	14	1.2%	88.2%	$1,433,571	View
Pacific Service Credit Union 3121 Crow Canyon Pl Ste B, San Ramon, CA 94583 1361 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	7 +6 HELOCs	0.6%	90.9%	$85,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	7	0.6%	100%	$1,629,285	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	6 +9 HELOCs	0.5%	77.8%	$870,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	6 +5 HELOCs	0.5%	75%	$1,076,666	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.5%	100%	$1,246,666	View
Chevron Federal Credit Union 2600 Camino Ramon Ste CF120, San Ramon, CA 94583 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	5 +17 HELOCs	0.4%	83.3%	$1,199,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	0.3%	80%	$1,447,500	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	50%	$197,500	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.3%	100%	$901,666	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.3%	100%	$1,228,333	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	3 +2 HELOCs	0.3%	100%	$1,068,333	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.3%	100%	$761,666	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	3	0.3%	100%	$581,666	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, Jumbo, HELOC	2 +8 HELOCs	0.2%	100%	$1,270,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$130,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$255,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	2	0.2%	100%	$1,655,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	1 +5 HELOCs	0.1%	66.7%	$745,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$1,045,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,275,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$1,425,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo	1	0.1%	100%	$1,725,000	View
First Commercial Bank (USA) 200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0.1%	100%	$555,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	FHA	1	0.1%	100%	$475,000
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	1	0.1%	100%	$1,635,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional	1	0.1%	100%	$605,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0.1%	100%	$985,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$105,000	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$35,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +3 HELOCs	0%	n/a		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +3 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +2 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	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
Mission City Federal Credit Union 1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, VA, Jumbo, HELOC	20 +3 HELOCs	1.7%	87.5%	$608,000
Pennymac Loan Services LLC	Conventional, VA, Jumbo	20	1.7%	78.6%	$945,500
Googain, Inc.	Conventional, Jumbo	20	1.7%	100%	$908,000
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	8 +2 HELOCs	0.7%	88.9%	$727,500
General Mortgage Capital Corporation	Conventional, Jumbo	8	0.7%	100%	$1,041,250
Cornerstone First Mortgage, LLC	Conventional, Jumbo	7	0.6%	100%	$1,163,571
Guild Mortgage Company	Conventional, Jumbo	7	0.6%	77.8%	$577,857
AmWest Funding Corp	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.5%	75%	$703,333
Sierra Pacific Mortgage Co. Inc	Conventional	5	0.4%	100%	$643,000
American Pacific Mortgage Corporation	Conventional, Jumbo	5	0.4%	100%	$1,347,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	3	0.3%	80%	$601,666	View
Provident Funding Associates	Conventional	3	0.3%	100%	$625,000
Paramount Residential Mortgage	Conventional, Jumbo	3	0.3%	100%	$1,308,333
Kind Lending, LLC	Conventional	2	0.2%	100%	$400,000
Resicentral LLC	Conventional	2	0.2%	100%	$660,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.2%	100%	$920,000
JMAC Lending, Inc.	Conventional, Jumbo	2	0.2%	100%	$1,355,000
Ony Glo, Inc.	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$1,875,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$1,105,000
Fundloans Capital	Conventional	1	0.1%	100%	$455,000
Goodleap, LLC	Conventional	1	0.1%	100%	$65,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$1,045,000
American Financial Network, Inc.	Conventional	1	0.1%	50%	$535,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$525,000
Instamortgage, Inc	Conventional	1	0.1%	100%	$1,205,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$875,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$745,000
Land Home Financial Services,	Conventional, Jumbo	1	0.1%	100%	$1,255,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	50%	$505,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$135,000
Ardri LLC	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Nexera Holding LLC	Conventional, Jumbo	1	0.1%	50%	$1,815,000
Carrington Mortgage Services LLC	Conventional, Jumbo	1	0.1%	33.3%	$1,595,000
Operating Engineers Federal Credit Union	Conventional	1	0.1%	100%	$215,000
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,275,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,545,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, VA, Jumbo, HELOC	79 +1 HELOCs	6.7%	77.9%	$732,215
United Wholesale Mortgage	Conventional, FHA, Jumbo, HELOC	61 +12 HELOCs	5.2%	89.7%	$812,868
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo, HELOC	24 +1 HELOCs	2%	100%	$740,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	18 +2 HELOCs	1.5%	100%	$1,050,000	View
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.8%	100%	$1,121,000
Spring Eq, LLC	Conventional, HELOC	9 +3 HELOCs	0.8%	69.2%	$207,222
The Loan Store, Inc	Conventional, Jumbo, HELOC	7 +4 HELOCs	0.6%	100%	$702,142
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	7 +3 HELOCs	0.6%	77.8%	$1,062,142
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	7	0.6%	100%	$580,714	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	7	0.6%	66.7%	$1,199,285	View
Everett Financial, Inc.	Conventional	5	0.4%	71.4%	$925,000
Ameritrust Mortgage Corporation	Conventional, Jumbo	5	0.4%	100%	$801,000
Nationstar Mortgage	Conventional	5	0.4%	45.5%	$139,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.3%	100%	$1,277,500	View
Originpoint, LLC	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.3%	100%	$1,255,000
Guaranteed Rate Affinity, LLC	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$545,000
Newrez LLC	Conventional, FHA, Jumbo	4	0.3%	44.4%	$977,500
Alliant Credit Union	Conventional, HELOC	3 +3 HELOCs	0.3%	60%	$1,171,666
Better Mortgage Corporation	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	75%	$701,666
Arc Home LLC	Conventional	3	0.3%	100%	$971,666
Movement Mortgage, LLC	Conventional, Jumbo	3	0.3%	80%	$1,555,000
Bay Equity LLC	Conventional	3	0.3%	100%	$521,666
Vellum Mortgage, Inc.	Conventional, Jumbo	3	0.3%	100%	$1,308,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.3%	100%	$1,045,000	View
Fairway Independent Mort Corp	Conventional	3	0.3%	100%	$591,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +11 HELOCs	0.2%	66.7%	$75,000	View
Digital Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0.2%	40%	$545,000
Quorum Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$280,000
Primelending	Conventional, Jumbo	2	0.2%	100%	$950,000
Sage Home Loans Corporation	Conventional	2	0.2%	66.7%	$460,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.2%	100%	$445,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +11 HELOCs	0.1%	100%	$725,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$125,000	View
Genisys Credit Union	Conventional	1	0.1%	100%	$1,105,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$495,000	View
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	33.3%	$425,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$1,205,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$765,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$1,005,000
Amerisave Mortgage Company	Conventional	1	0.1%	12.5%	$275,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$535,000
Discover Bank	Conventional	1	0.1%	25%	$155,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$645,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$695,000
Federated Mortgage Corp	Conventional, Jumbo	1	0.1%	100%	$1,305,000
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$805,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$705,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	1	0.1%	100%	$185,000	View
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$755,000
Service Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,295,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$225,000
Beeline Loans, Inc.	Conventional	1	0.1%	50%	$1,005,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$1,205,000
Beverly Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.57%	Conventional	1	0.1%	100%	$1,025,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$1,015,000	View
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional	1	0.1%	100%	$1,055,000	View
Financial Resources Federal Cr	Conventional, Jumbo	1	0.1%	100%	$1,215,000
Abbott Laboratories Employees Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,365,000
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$1,635,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0.1%	100%	$1,335,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$1,125,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$445,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$535,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional	1	0.1%	33.3%	$1,035,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$155,000	View
Flyhomes Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$1,145,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Eastman Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
Lower, LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

San Ramon Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in San Ramon, California

Looking for mortgage lenders near me or mortgage brokers near me in San Ramon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Ramon in 2025, with lenders based there listed first.

Types of Mortgage Lenders in San Ramon, CA

Use these to narrow the list above. Each category shows how many San Ramon, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 82 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 5 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 4 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 70 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 74 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Ramon, CA

Independent mortgage companies closed 36.3 percent of home loans in San Ramon, California in 2025, banks 47.8 percent and credit unions 15.9 percent. Change Lending was the largest mortgage company, Bank of America NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 122 loans.

36.3%

Mortgage companies

47.8%

Banks

15.9%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in San Ramon, CA

Who is the largest mortgage lender in San Ramon, CA?

By home loans closed in 2025, Bank of America NA was the largest mortgage lender in San Ramon, California with 122 loans, about 10.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in San Ramon, CA have the highest approval rates?

Among lenders with meaningful volume in San Ramon, California, Citibank, NA approved the highest share of completed applications in 2025 at 93.8 percent, against a 85.9 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.

Which San Ramon, CA mortgage lenders offer FHA, VA and USDA loans?

5 lenders closed FHA loans in San Ramon, California in 2025, led by New American Funding, LLC. with 4. 4 lenders closed VA loans, led by loanDepot.com LLC. 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.

Are credit unions and local banks included in this San Ramon, CA lender list?

Yes. 40 banks and 42 credit unions closed home loans in San Ramon, California in 2025, alongside 82 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.

How are mortgage lenders in San Ramon, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in San Ramon, 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 Ramon, 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 Ramon. 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.