Mortgage Lenders and Brokers in Upper Lake, 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
Upper Lake, California mortgage lenders include Community First Credit UnionCommunity First Credit Union14866 Olympic Dr, Clearlake, CA 95422A5.0 ★Texas Ratio: 8.05%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%, Guild Mortgage CompanyGuild Mortgage CompanySan Diego, CA, Pennymac Loan Services LLCPennymac Loan Services LLCWestlake Village, CA, American Financial Network, Inc.American Financial Network, Inc.Brea, CA, and Kind Lending, LLCKind Lending, LLCIrvine, CA. 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 Upper Lake, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Upper Lake 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 Upper Lake, California
Market share is the lender's share of all home loans closed in Upper Lake, 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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14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05% |
Conventional | 2 | 5.6% | 100% | $45,000 | 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 | 1 +2 HELOCs |
2.8% | 25% | $115,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2.8% | 100% | $315,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 2.8% | 100% | $375,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA | 5 | 13.9% | 71.4% | $263,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 5.6% | 66.7% | $465,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 5.6% | 100% | $250,000 | |
Kind Lending, LLC
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Conventional | 1 | 2.8% | 33.3% | $455,000 | |
loanDepot.com LLC
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Conventional | 1 | 2.8% | 50% | $175,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 2.8% | 100% | $455,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 2.8% | 100% | $275,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 2.8% | 100% | $545,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 13.9% | 83.3% | $449,000 | |
Rocket Mortgage
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Conventional, FHA | 4 | 11.1% | 100% | $175,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 5.6% | 75% | $155,000 | |
The Loan Store, Inc
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Conventional, FHA | 2 | 5.6% | 100% | $400,000 | |
Newrez LLC
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Conventional | 1 | 2.8% | 100% | $55,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 2.8% | 100% | $425,000 | |
Mortgage Research Center
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VA | 1 | 2.8% | 100% | $435,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 2.8% | 100% | $295,000 | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Upper Lake 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 Upper Lake, California
Looking for mortgage lenders near me or mortgage brokers near me in Upper Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Upper Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Upper Lake, CA
Use these to narrow the list above. Each category shows how many Upper Lake, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Upper Lake, CA
Independent mortgage companies closed 88.9 percent of home loans in Upper Lake, California in 2025, banks 2.8 percent and credit unions 8.3 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Community First Credit Union the largest credit union. Among lenders headquartered in California, Community First 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 Upper Lake, CA
By home loans closed in 2025, Community First Credit Union was the largest mortgage lender in Upper Lake, California with 2 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Upper Lake, California in 2025, led by Guild Mortgage Company with 2. 3 lenders closed VA loans, led by Pennymac Loan Services 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.
Yes. 2 banks and 3 credit unions closed home loans in Upper Lake, California in 2025, alongside 18 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 Upper Lake, 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 Upper Lake, 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 Upper Lake. 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.
