Mortgage Lenders and Brokers in Union City, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Union City, California mortgage lenders include Bank of America NABank of America NA1900 Decoto Rd, Union City, CA 94587A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA1800 Decoto Rd, Union City, CA 94587A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA34356 Alvarado Niles Rd, Union City, CA 94587A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.1790 Decoto Rd, Union City, CA 94587A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA32101 Union Lndg, Union City, CA 94587A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA33301 Alvarado Niles Rd, Union City, CA 94587A+5.0 ★Texas Ratio: 3.54%, Fremont BankFremont Bank32000 Alvarado Blvd, Union City, CA 94587A+5.0 ★Texas Ratio: 4.11%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★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 Union City, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Union City 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 Union City, California
Market share is the lender's share of all home loans closed in Union City, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Union City 1900 Decoto Rd, Union City, CA 94587 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 62 +32 HELOCs |
9.6% | 95.4% | $1,160,483 | View |
|
1 office in Union City 1800 Decoto Rd, Union City, CA 94587 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 51 +2 HELOCs |
7.9% | 96.3% | $1,156,568 | View |
|
2 offices in Union City 34356 Alvarado Niles Rd, Union City, CA 94587 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 41 | 6.3% | 89.1% | $1,094,756 | View |
|
1 office in Union City 1790 Decoto Rd, Union City, CA 94587 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 38 +7 HELOCs |
5.9% | 82.6% | $1,059,210 | View |
|
2 offices in Union City 32101 Union Lndg, Union City, CA 94587 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 35 | 5.4% | 94.7% | $921,857 | View |
|
1 office in Union City 33301 Alvarado Niles Rd, Union City, CA 94587 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 10 +7 HELOCs |
1.5% | 83.3% | $1,043,000 | View |
|
1 office in Union City 32000 Alvarado Blvd, Union City, CA 94587 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 5 +36 HELOCs |
0.8% | 71.4% | $293,000 | View |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 17 +5 HELOCs |
2.6% | 78.3% | $867,352 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 17 +4 HELOCs |
2.6% | 94.4% | $1,188,529 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 13 +5 HELOCs |
2% | 100% | $1,228,076 | View |
|
2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo, HELOC | 12 +4 HELOCs |
1.9% | 100% | $1,175,000 | View |
|
1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 10 +1 HELOCs |
1.5% | 100% | $1,158,000 | View |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
0.9% | 75% | $1,018,333 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 0.9% | 100% | $671,666 | View |
|
2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 6 | 0.9% | 87.5% | $1,008,333 | View |
|
5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 4 | 0.6% | 100% | $717,500 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 3 | 0.5% | 100% | $565,000 | View |
|
1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, HELOC | 2 +5 HELOCs |
0.3% | 66.7% | $325,000 | View |
|
10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 100% | $940,000 | View |
|
19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $890,000 | View |
|
200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 2 | 0.3% | 100% | $795,000 | View |
|
801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,225,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $500,000 | View |
|
2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 25% | $75,000 | View |
|
403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $405,000 | View |
|
9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,285,000 | View |
|
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
|
2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional | 1 | 0.2% | 50% | $855,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
FHA | 1 | 0.2% | 100% | $125,000 | |
|
350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.2% | 50% | $785,000 | View |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.2% | 100% | $825,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
|
415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
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 | |
Sea West Coast Gurad FCU
Coast Guard Island, Alameda, CA 94501 5100 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
General Mortgage Capital Corporation
|
Conventional, Jumbo | 13 | 2% | 100% | $698,846 | |
loanDepot.com LLC
|
Conventional, FHA, Jumbo, HELOC | 12 +3 HELOCs |
1.9% | 80% | $505,833 | |
Nmsi, Inc.
|
Conventional | 7 | 1.1% | 100% | $482,142 | |
AmWest Funding Corp
|
Conventional, HELOC | 6 +1 HELOCs |
0.9% | 100% | $493,333 | |
Pennymac Loan Services LLC
|
Conventional | 5 | 0.8% | 71.4% | $709,000 | |
Googain, Inc.
|
Conventional | 5 | 0.8% | 83.3% | $727,000 | |
New Wave Lending Group Inc
|
Conventional, Jumbo | 4 | 0.6% | 100% | $890,000 | |
Resicentral LLC
|
Conventional | 3 | 0.5% | 100% | $435,000 | |
Provident Funding Associates
|
Conventional | 3 | 0.5% | 100% | $458,333 | |
American Financial Network, Inc.
|
Conventional | 2 | 0.3% | 100% | $640,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 0.3% | 100% | $280,000 | View |
Mission Loans, LLC
|
Conventional | 2 | 0.3% | 100% | $340,000 | |
New American Funding, LLC.
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,345,000 | |
ClearEdge Lending LLC
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,170,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $755,000 | |
Alameda Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
Kind Lending, LLC
|
VA | 1 | 0.2% | 50% | $495,000 | |
Guild Mortgage Company
|
FHA | 1 | 0.2% | 100% | $795,000 | |
ResMac Inc
|
Conventional, Jumbo | 1 | 0.2% | 100% | $2,285,000 | |
Royal Pacific Funding
|
Conventional | 1 | 0.2% | 100% | $465,000 | |
First Stardand Financial dba Nexcap Home Loans
|
Conventional | 1 | 0.2% | 100% | $765,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 0.2% | 100% | $805,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
Mason-McDuffie Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $655,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
JMAC Lending, Inc.
|
Conventional | 1 | 0.2% | 100% | $615,000 | |
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, Jumbo | 67 | 10.3% | 82.4% | $629,328 | |
United Wholesale Mortgage
|
Conventional, FHA, Jumbo, HELOC | 27 +11 HELOCs |
4.2% | 90.3% | $753,888 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, USDA, Jumbo, HELOC | 10 +1 HELOCs |
1.5% | 100% | $699,000 | View |
Triad Financial Services, Inc.
|
Conventional | 9 | 1.4% | 84.6% | $230,555 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, Jumbo | 8 | 1.2% | 100% | $723,750 | |
Originpoint, LLC
|
Conventional, Jumbo | 7 | 1.1% | 100% | $1,180,714 | |
Guaranteed Rate Affinity, LLC
|
Conventional, VA, Jumbo | 5 | 0.8% | 100% | $1,015,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 5 | 0.8% | 100% | $1,575,000 | View |
Amerisave Mortgage Company
|
Conventional, FHA | 5 | 0.8% | 33.3% | $473,000 | |
Guaranteed Rate, Inc.
|
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 100% | $860,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 4 +1 HELOCs |
0.6% | 40% | $155,000 | |
Guidance Residential, LLC
|
Conventional | 4 | 0.6% | 100% | $715,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 4 | 0.6% | 66.7% | $990,000 | View |
Freedom Mortgage Corporation
|
Conventional, FHA | 3 | 0.5% | 100% | $488,333 | |
|
A+5.0 ★Texas Ratio: 2.97% |
Conventional | 3 | 0.5% | 100% | $701,666 | View |
Credit Human Federal Credit Un
|
Conventional | 3 | 0.5% | 66.7% | $128,333 | |
Nationstar Mortgage
|
Conventional | 3 | 0.5% | 42.9% | $235,000 | |
Better Mortgage Corporation
|
Conventional | 3 | 0.5% | 75% | $675,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 0.5% | 100% | $841,666 | View |
Champions Funding, LLC
|
Conventional | 3 | 0.5% | 100% | $1,071,666 | |
Primelending
|
Conventional | 2 | 0.3% | 100% | $635,000 | |
Sage Home Loans Corporation
|
Conventional | 2 | 0.3% | 100% | $540,000 | |
Teachers Federal Credit Union
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,325,000 | |
21St Mortgage
|
Conventional | 2 | 0.3% | 100% | $340,000 | |
First Technology Federal Credit Union
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,135,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $705,000 | |
American Financial Resources LLC
|
Conventional | 1 | 0.2% | 100% | $645,000 | |
Newrez LLC
|
VA | 1 | 0.2% | 33.3% | $505,000 | |
Oaktree Funding Corp
|
Conventional, Jumbo | 1 | 0.2% | 100% | $1,275,000 | |
Michigan Mutual, Inc
|
Conventional | 1 | 0.2% | 100% | $355,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
|
Conventional | 1 | 0.2% | 100% | $1,105,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 20% | $245,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.2% | 100% | $865,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.2% | 100% | $425,000 | |
Homeowners Financial Group, LLC
|
Conventional | 1 | 0.2% | 100% | $465,000 | |
Ameritrust Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 50% | $525,000 | View |
Planet Home Lending, LLC
|
Conventional | 1 | 0.2% | 100% | $345,000 | |
Communityamerica Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $25,000 | |
Mortgage Research Center
|
VA | 1 | 0.2% | 100% | $985,000 | |
Saygo Home Loans, LLC
|
Conventional | 1 | 0.2% | 100% | $435,000 | |
Uif Corporation
|
Conventional | 1 | 0.2% | 100% | $1,205,000 | |
Veritas Funding, LLC
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Alliant Credit Union
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | 0% |
Union City 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 Union City, California
Looking for mortgage lenders near me or mortgage brokers near me in Union City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Union City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Union City, CA
Use these to narrow the list above. Each category shows how many Union City, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Union City, CA
Independent mortgage companies closed 41.8 percent of home loans in Union City, California in 2025, banks 45.2 percent and credit unions 13 percent. Change Lending was the largest mortgage company, Bank of America NA the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 62 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 Union City, CA
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Union City, California with 62 loans, about 9.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Union City, California, Citibank, NA approved the highest share of completed applications in 2025 at 96.3 percent, against a 87.1 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.
8 lenders closed FHA loans in Union City, California in 2025, led by Amerisave Mortgage Company with 2. 5 lenders closed VA loans, led by Kind Lending, LLC, 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. 29 banks and 30 credit unions closed home loans in Union City, California in 2025, alongside 63 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 Union City, 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 Union City, 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 Union City. 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.
