☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Walnut Creek

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Walnut Creek, California

Content reviewed by

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

Walnut Creek, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA2001 N Main St, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.1555 Mt Diablo Blvd, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA2153 Oak Grove Rd, Walnut Creek, CA 94598A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1400 Civic Dr, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA1660 Olympic Blvd, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 2.82%, Fremont BankFremont Bank1735 N Broadway, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 4.11%, Mechanics BankMechanics Bank1350 N Main St, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 1.81%, PNC Bank N.A.PNC Bank N.A.1101 S California Blvd, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 4.24%, BMO Harris Bank NABMO Harris Bank NA1333 N California Blvd, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 3.54%, and City National BankCity National Bank2001 N Main St, Walnut Creek, CA 94596A+5.0 ★Texas Ratio: 5.55%. 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 Walnut Creek, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Walnut Creek 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 Walnut Creek, California

Market share is the lender's share of all home loans closed in Walnut Creek, 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
Wells Fargo Bank NA 3 offices in Walnut Creek 2001 N Main St, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	41	3.8%	85.4%	$967,195	View
US Bank, N.A. 1 office in Walnut Creek 1555 Mt Diablo Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	39 +16 HELOCs	3.6%	86.7%	$968,589	View
Bank of America NA 3 offices in Walnut Creek 2153 Oak Grove Rd, Walnut Creek, CA 94598 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	30 +45 HELOCs	2.8%	85.7%	$1,204,666	View
JPMorgan Chase Bank, NA 5 offices in Walnut Creek 1400 Civic Dr, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	29 +6 HELOCs	2.7%	78.9%	$1,013,965	View
Citibank, NA 1 office in Walnut Creek 1660 Olympic Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	18 +1 HELOCs	1.7%	94.7%	$1,186,666	View
Fremont Bank 1 office in Walnut Creek 1735 N Broadway, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	13 +32 HELOCs	1.2%	100%	$785,000	View
Mechanics Bank 1 office in Walnut Creek 1350 N Main St, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	10 +4 HELOCs	0.9%	100%	$890,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Walnut Creek 1101 S California Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	8 +9 HELOCs	0.7%	88.9%	$1,056,250	View
BMO Harris Bank NA 1 office in Walnut Creek 1333 N California Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	7 +13 HELOCs	0.6%	90%	$1,237,857	View
City National Bank 1 office in Walnut Creek 2001 N Main St, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	7	0.6%	100%	$1,296,428	View
Farmers & Merchants Bank of Ce 1 office in Walnut Creek 1330 N Broadway, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 0.87%	Conventional	3	0.3%	75%	$451,666	View
Zions Bancorporation, N.A. 1 office in Walnut Creek 1981 N Broadway, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.2%	66.7%	$2,865,000	View
Columbia Bank 1 office in Walnut Creek 1333 N California Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
First Bank 1 office in Walnut Creek 1760 N Broadway, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 1 office in Walnut Creek 100 Pringle Ave, Walnut Creek, CA 94596 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Alameda Mortgage Corporation	Conventional	10	0.9%	100%	$691,000
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	17 +8 HELOCs	1.6%	100%	$1,309,705	View
Patelco Credit Union 1790 N Broadway, Walnut Creek, CA 94596 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	13 +20 HELOCs	1.2%	87.5%	$621,153	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	13	1.2%	93.3%	$909,615	View
Chevron Federal Credit Union 3003 Oak Rd Ste 106, Walnut Creek, CA 94597 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	10 +14 HELOCs	0.9%	83.3%	$951,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo, HELOC	7 +3 HELOCs	0.6%	100%	$676,428	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	7	0.6%	87.5%	$609,285	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.6%	53.8%	$289,285	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	6 +2 HELOCs	0.6%	100%	$873,333	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	6	0.6%	100%	$183,333	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.4%	100%	$1,032,500	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	3 +9 HELOCs	0.3%	71.4%	$78,333	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	3 +4 HELOCs	0.3%	100%	$675,000	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%	$738,333	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	3	0.3%	100%	$728,333
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	2	0.2%	66.7%	$1,750,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.2%	66.7%	$585,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.2%	66.7%	$1,290,000	View
Provident Credit Union 742 Bancroft Rd, Walnut Creek, CA 94598 1531 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	1 +10 HELOCs	0.1%	100%	$835,000	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%	50%	$55,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$985,000	View
Firefighters First Federal Credit Union 1600 S Main St Ste 105, Walnut Creek, CA 94596 8808 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$905,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$385,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$965,000	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$915,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0.1%	100%	$1,085,000	View
Southwestern National Bank 2951 W Ball Rd Unit 100, Anaheim, CA 92804 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$335,000	View
Bank of Marin ★ 2 stars, 1 review 1850 Mt Diablo Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 2.03%	Conventional	1	0.1%	100%	$255,000	View
San Francisco Federal Credit Union 2121 N California Blvd, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	1	0.1%	100%	$1,825,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +5 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Tri Counties Bank 1981 N Broadway, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	0%		View
Banner Bank 100 Pringle Ave, Walnut Creek, CA 94596 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	18 +2 HELOCs	1.7%	100%	$810,555
Pennymac Loan Services LLC	Conventional, FHA, Jumbo	18	1.7%	90.5%	$836,111
Cornerstone First Mortgage, LLC	Conventional, Jumbo	16	1.5%	100%	$1,249,375
HomeXpress Mortgage Corp.	Conventional	16	1.5%	72.7%	$414,375
loanDepot.com LLC	Conventional, VA, Jumbo, HELOC	14 +3 HELOCs	1.3%	82.4%	$849,285
Kind Lending, LLC	Conventional, FHA, Jumbo	8	0.7%	80%	$731,250
AmWest Funding Corp	Conventional	8	0.7%	88.9%	$891,250
American Pacific Mortgage Corporation	Conventional, FHA, Jumbo	8	0.7%	100%	$763,750
Nexera Holding LLC	Conventional	7	0.6%	100%	$316,428
General Mortgage Capital Corporation	Conventional, Jumbo	4	0.4%	100%	$765,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	4	0.4%	100%	$980,000	View
Googain, Inc.	Conventional	4	0.4%	100%	$665,000
Citadel Servicing Corporation	Conventional	4	0.4%	87.5%	$250,000
Zillow Home Loans, LLC	Conventional	4	0.4%	80%	$627,500
Guild Mortgage Company	Conventional	3	0.3%	100%	$875,000
Stg Mortgage Inc	Conventional	3	0.3%	100%	$848,333
Provident Funding Associates	Conventional	3	0.3%	100%	$765,000
Hometown Equity Mortgage, LLC	Conventional, FHA, Jumbo	3	0.3%	50%	$961,666
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.3%	100%	$475,000
Nmsi, Inc.	Conventional	3	0.3%	100%	$655,000
Mason-McDuffie Mortgage Corporation	Conventional	3	0.3%	100%	$668,333
5Th Sreet Capital Inc.	Conventional, Jumbo	2	0.2%	100%	$1,565,000
American Financial Network, Inc.	Conventional	2	0.2%	66.7%	$905,000
New Wave Lending Group Inc	Conventional	2	0.2%	100%	$480,000
American Internet Mortgage, Inc.	Conventional	2	0.2%	100%	$735,000
Land Home Financial Services,	Conventional	2	0.2%	100%	$735,000
ClearEdge Lending LLC	Conventional	2	0.2%	50%	$830,000
Financial Partners Credit Unio	Conventional	1	0.1%	100%	$715,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$435,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$205,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$1,125,000
Resicentral LLC	Conventional	1	0.1%	100%	$485,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	50%	$565,000
Ahl Funding	Conventional	1	0.1%	100%	$475,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$685,000
Network Capital Funding Corporation	Conventional	1	0.1%	33.3%	$615,000
Loanleaders of America, Inc	FHA	1	0.1%	100%	$735,000
Franklin Loan Corporation	Conventional	1	0.1%	100%	$295,000
The Police Credit Union of California	Conventional	1	0.1%	50%	$595,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,625,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$245,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$425,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$805,000
Figure Lending LLC	HELOC	0 +18 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, Jumbo	107	9.9%	85.2%	$720,981
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	90 +19 HELOCs	8.3%	88.3%	$795,333
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	74	6.9%	98.7%	$944,729
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	37	3.4%	94.9%	$255,810	View
Vellum Mortgage, Inc.	Conventional, Jumbo	25	2.3%	100%	$827,400
Guaranteed Rate, Inc.	Conventional, Jumbo	19	1.8%	90.5%	$1,038,684
Newrez LLC	Conventional, VA, Jumbo	17	1.6%	89.5%	$776,176
The Loan Store, Inc	Conventional, HELOC	16 +2 HELOCs	1.5%	84.2%	$641,875
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	14 +3 HELOCs	1.3%	94.1%	$784,285	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	14	1.3%	87.5%	$929,285	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	13	1.2%	100%	$1,063,461	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	12 +2 HELOCs	1.1%	100%	$805,833	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	9	0.8%	90%	$439,444	View
Nationstar Mortgage	Conventional	9	0.8%	90%	$263,888
Spring Eq, LLC	Conventional, HELOC	6 +6 HELOCs	0.6%	53.8%	$190,000
Originpoint, LLC	Conventional, Jumbo	5	0.5%	100%	$1,203,000
Deephaven Mortgage LLC	Conventional, Jumbo	5	0.5%	100%	$899,000
Alliant Credit Union	Conventional, Jumbo, HELOC	4 +11 HELOCs	0.4%	100%	$1,017,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	4 +1 HELOCs	0.4%	66.7%	$117,500
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	4	0.4%	100%	$1,162,500
Nbkc Bank	Conventional, VA	4	0.4%	100%	$795,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	4	0.4%	100%	$575,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0.4%	80%	$1,040,000	View
Everett Financial, Inc.	Conventional, HELOC	3 +1 HELOCs	0.3%	75%	$711,666
Sage Home Loans Corporation	Conventional	3	0.3%	100%	$755,000
Union Home Mortgage Corp.	Conventional	3	0.3%	100%	$685,000
First Colony Mortgage Corporat	Conventional, FHA	3	0.3%	100%	$598,333
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	3	0.3%	100%	$1,451,666	View
Better Mortgage Corporation	Conventional, Jumbo	3	0.3%	50%	$925,000
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.2%	100%	$1,060,000
Primelending	Conventional	2	0.2%	100%	$1,185,000
Envoy Mortgage, Ltd	Conventional	2	0.2%	66.7%	$350,000
Ameritrust Mortgage Corporation	Conventional	2	0.2%	100%	$885,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$600,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.2%	100%	$445,000
Fairway Independent Mort Corp	Conventional, VA, Jumbo	2	0.2%	100%	$940,000
Champions Funding, LLC	Conventional	2	0.2%	66.7%	$800,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +6 HELOCs	0.1%	100%	$2,285,000	View
Fourleaf Federal Credit Union	Conventional, Jumbo, HELOC	1 +5 HELOCs	0.1%	100%	$1,515,000
Digital Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$805,000
Arc Home LLC	Conventional, Jumbo	1	0.1%	100%	$1,925,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$1,535,000	View
Lakeview Loan Servicing, LLC	VA	1	0.1%	50%	$905,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$555,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$805,000	View
Fed Ex Employees Credit Association	Conventional	1	0.1%	100%	$385,000
Movement Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,435,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$705,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$605,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$485,000
Amerisave Mortgage Company	Conventional	1	0.1%	11.1%	$105,000
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$1,015,000	View
Discover Bank	Conventional	1	0.1%	50%	$285,000
Bay Equity LLC	Conventional	1	0.1%	100%	$505,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$755,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$765,000
Delta Community Credit Union	Conventional	1	0.1%	100%	$105,000
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$355,000
Planet Home Lending, LLC	VA	1	0.1%	100%	$455,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$705,000	View
Mortgage Research Center	VA	1	0.1%	100%	$325,000
Uif Corporation	Conventional	1	0.1%	100%	$695,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$1,125,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$695,000	View
United Nations Federal CU	Conventional	1	0.1%	100%	$1,075,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$245,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$855,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +11 HELOCs	0%	33.3%		View
Pentagon Federal Credit Union	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +5 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Teachers Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Hanscom Federal Credit Union	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.

Walnut Creek 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 Walnut Creek, California

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

Types of Mortgage Lenders in Walnut Creek, CA

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

Mortgage companies and brokers 89 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 43 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 11 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 9 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 55 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 83 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Walnut Creek, CA

Independent mortgage companies closed 60.4 percent of home loans in Walnut Creek, California in 2025, banks 30.3 percent and credit unions 9.3 percent. Alameda Mortgage Corporation was the largest mortgage company, Wells Fargo Bank 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 30 loans.

60.4%

Mortgage companies

30.3%

Banks

9.3%

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 Walnut Creek, CA

Who is the largest mortgage lender in Walnut Creek, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Walnut Creek, California with 41 loans, about 3.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 30 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Walnut Creek, CA have the highest approval rates?

Among lenders with meaningful volume in Walnut Creek, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.7 percent, against a 88 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 Walnut Creek, CA mortgage lenders offer FHA, VA and USDA loans?

11 lenders closed FHA loans in Walnut Creek, California in 2025, led by Rocket Mortgage with 3. 9 lenders closed VA loans, led by Newrez 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 Walnut Creek, CA lender list?

Yes. 47 banks and 43 credit unions closed home loans in Walnut Creek, California in 2025, alongside 89 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 Walnut Creek, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Walnut Creek, 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 Walnut Creek, 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 Walnut Creek. 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.