Mortgage Lenders and Brokers in Winters, 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
Winters, California mortgage lenders include First Northern Bank of DixonFirst Northern Bank of Dixon48 Main St, Winters, CA 95694A+5.0 ★Texas Ratio: 2.69%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, River City BankRiver City Bank5650 Sunrise Blvd, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 0.00%, Yolo Federal Credit UnionYolo Federal Credit Union168 E Grant Ave, Winters, CA 95694A+5.0 ★Texas Ratio: 4.24%, and Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%. 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 Winters, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winters 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 Winters, California
Market share is the lender's share of all home loans closed in Winters, 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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1 office in Winters 48 Main St, Winters, CA 95694 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 3 | 2.5% | 100% | $318,333 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $715,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional | 2 | 1.6% | 100% | $535,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $105,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,275,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $485,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.8% | 33.3% | $405,000 | View |
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5650 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,125,000 | View |
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168 E Grant Ave, Winters, CA 95694 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.8% | 100% | $35,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 33.3% | $275,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 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 | |
loanDepot.com LLC
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Conventional, FHA, VA | 13 | 10.7% | 81.2% | $568,076 | |
Alameda Mortgage Corporation
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Conventional | 2 | 1.6% | 100% | $605,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.6% | 75% | $505,000 | |
American Financial Network, Inc.
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FHA | 2 | 1.6% | 100% | $600,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.8% | 100% | $105,000 | |
Kind Lending, LLC
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FHA | 1 | 0.8% | 100% | $605,000 | |
Resicentral LLC
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FHA | 1 | 0.8% | 100% | $775,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.8% | 100% | $605,000 | |
Land Home Financial Services,
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FHA | 1 | 0.8% | 100% | $635,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.8% | 100% | $425,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.8% | 100% | $335,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $405,000 | |
Nmsi, Inc.
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FHA | 1 | 0.8% | 100% | $545,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 21 | 17.2% | 95.5% | $532,619 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 16.4% | 95.2% | $559,500 | |
Rocket Mortgage
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Conventional, FHA | 8 | 6.6% | 72.7% | $326,250 | |
Newrez LLC
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Conventional, FHA | 5 | 4.1% | 83.3% | $373,000 | |
The Loan Store, Inc
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Conventional, HELOC | 3 +4 HELOCs |
2.5% | 100% | $461,666 | |
Homeowners Financial Group, LLC
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Conventional | 3 | 2.5% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.6% | 100% | $440,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.6% | 50% | $275,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 1.6% | 100% | $390,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.6% | 66.7% | $340,000 | |
Primelending
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Conventional | 1 | 0.8% | 100% | $565,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.8% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 1 | 0.8% | 100% | $535,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 100% | $435,000 | View |
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A-5.0 ★Texas Ratio: 15.49% |
VA, Jumbo | 1 | 0.8% | 100% | $1,915,000 | View |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.8% | 100% | $475,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 100% | $425,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.8% | 100% | $115,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Winters 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 Winters, California
Looking for mortgage lenders near me or mortgage brokers near me in Winters? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winters in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winters, CA
Use these to narrow the list above. Each category shows how many Winters, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Winters, CA
Independent mortgage companies closed 82 percent of home loans in Winters, California in 2025, banks 11.5 percent and credit unions 6.6 percent. loanDepot.com LLC was the largest mortgage company, First Northern Bank of Dixon the largest bank and Firefighters First Federal Credit Union the largest credit union. Among lenders headquartered in California, First Northern Bank of Dixon led with 3 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 Winters, CA
By home loans closed in 2025, First Northern Bank of Dixon was the largest mortgage lender in Winters, California with 3 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Winters, California in 2025, led by CrossCountry Mortgage, LLC with 6. 7 lenders closed VA loans, led by CrossCountry Mortgage, 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. 12 banks and 14 credit unions closed home loans in Winters, California in 2025, alongside 30 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 Winters, 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 Winters, 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 Winters. 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.
