Mortgage Lenders and Brokers in Saranap, 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
Saranap, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Axos BankAxos Bank4350 La Jolla Village Dr, San Diego, CA 92122A+5.0 ★Texas Ratio: 3.94%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, and Technology Credit UnionTechnology Credit Union10051 S De Anza Blvd, Cupertino, CA 95014 2105A+5.0 ★Texas Ratio: 3.57%. 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 Saranap, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Saranap 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 Saranap, California
Market share is the lender's share of all home loans closed in Saranap, 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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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
4.8% | 75% | $1,068,333 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 4.8% | 100% | $1,305,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 3.2% | 100% | $395,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 2 | 3.2% | 100% | $1,105,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 2 | 3.2% | 100% | $450,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 3.2% | 100% | $1,250,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 2 | 3.2% | 100% | $1,025,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 3.2% | 100% | $410,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 1 | 1.6% | 100% | $2,125,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 1.6% | 100% | $1,105,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.6% | 100% | $1,185,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 1 | 1.6% | 100% | $255,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 +1 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
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 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 2 | 3.2% | 100% | $1,105,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 3.2% | 100% | $1,165,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.6% | 50% | $105,000 | |
American Financial Network, Inc.
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Conventional | 1 | 1.6% | 100% | $605,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 1.6% | 100% | $405,000 | |
Land Home Financial Services,
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FHA | 1 | 1.6% | 100% | $685,000 | |
Nmsi, Inc.
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Conventional | 1 | 1.6% | 100% | $1,135,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1.6% | 100% | $925,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, VA | 7 | 11.1% | 100% | $596,428 | |
Rocket Mortgage
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Conventional | 4 | 6.3% | 80% | $347,500 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 4.8% | 100% | $761,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
3.2% | 100% | $210,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
3.2% | 100% | $1,155,000 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 2 | 3.2% | 100% | $1,065,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.6% | 100% | $255,000 | View |
Originpoint, LLC
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Conventional | 1 | 1.6% | 100% | $1,005,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 1.6% | 100% | $805,000 | View |
NOVA Financial & Investment Corporation
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Conventional | 1 | 1.6% | 100% | $1,005,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 1.6% | 100% | $1,055,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 1.6% | 100% | $755,000 | |
Digital Federal Credit Union
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Conventional | 1 | 1.6% | 100% | $1,125,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 1.6% | 100% | $1,405,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 1.6% | 100% | $1,205,000 | |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 1.6% | 100% | $1,265,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.6% | 100% | $355,000 | View |
Better Mortgage Corporation
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Saranap 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 Saranap, California
Looking for mortgage lenders near me or mortgage brokers near me in Saranap? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Saranap in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Saranap, CA
Use these to narrow the list above. Each category shows how many Saranap, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Saranap, CA
Independent mortgage companies closed 55.6 percent of home loans in Saranap, California in 2025, banks 33.3 percent and credit unions 11.1 percent. Pennymac Loan Services LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and San Francisco Fire Credit Union the largest credit union. Among lenders headquartered in California, San Francisco Fire Credit Union led with 2 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 Saranap, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Saranap, California with 3 loans, about 4.8 percent of the market. The largest lender headquartered in California was San Francisco Fire Credit Union with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Saranap, California in 2025, led by Land Home Financial Services, with 1. 1 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. 18 banks and 10 credit unions closed home loans in Saranap, California in 2025, alongside 22 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 Saranap, 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 Saranap, 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 Saranap. 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.
