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Mortgage lenders in California

283 lenders originated 522,583 mortgages in California in 2025, about 91% of everything lent in the state. What each of them charged.

Lenders here
283
State median rate
6.625%

National 6.625%

State median fees
$7,107

National $5,786

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in California, ranked by loans made here. Together they account for 91% of the 572,268 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in California — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender Loans here Median fees Median rate Share of its book
UNITED SHORE FINANCIAL SERVICES, LLC 57,281 $9,534 6.490% 13.6%
Rocket Mortgage, LLC 42,202 $5,222 6.750% 9.8%
Bank of America, National Association 17,758 $5,121 5.990% 20.1%
U.S. Bank National Association 16,136 $4,621 6.500% 21.6%
SCHOOLSFIRST 14,224 6.250% 100.0%
JPMorgan Chase Bank, National Association 14,032 $4,491 6.125% 14.9%
PENNYMAC LOAN SERVICES, LLC 10,749 $7,503 6.500% 10.7%
Loandepot.Com, LLC 9,983 $5,783 6.625% 10.9%
Wells Fargo Bank, National Association 9,616 $6,786 5.750% 23.1%
CROSSCOUNTRY MORTGAGE, INC. 9,599 $8,334 6.750% 7.7%
THE LOAN STORE, INC. 8,432 $7,292 6.750% 21.1%
OCMBC, INC. 7,327 $15,179 6.875% 44.8%
SPRING EQ, LLC 6,742 $2,867 8.875% 21.0%
LENNAR MORTGAGE, LLC 6,607 $7,206 4.990% 11.6%
KIND LENDING, LLC 6,409 $9,989 6.625% 21.8%
Navy Federal Credit Union 6,361 8.000% 7.9%
GUARANTEED RATE, INC. 6,248 $7,311 6.575% 8.9%
THE GOLDEN 1 6,107 $4,045 7.750% 100.0%
Citibank, National Association 5,786 $4,500 5.750% 36.6%
NEWREZ LLC 5,772 $6,487 6.625% 8.7%
FIGURE LENDING LLC 5,234 8.800% 15.7%
Broker Solutions, Inc. 5,105 $8,241 6.875% 8.9%
CMG MORTGAGE, INC. 4,698 $8,782 6.625% 6.7%
NATIONSTAR MORTGAGE LLC 4,657 $3,922 8.375% 8.9%
AMWEST FUNDING CORP. 4,633 7.000% 38.3%
GUILD MORTGAGE COMPANY 4,118 $8,118 6.625% 4.8%
Paramount Residential Mortgage Group, Inc. 3,975 $11,354 6.500% 17.0%
FREEDOM MORTGAGE CORPORATION 3,918 $8,654 6.125% 5.6%
BMO Bank National Association 3,818 $6,679 7.630% 23.1%
AMERICAN PACIFIC MORTGAGE CORPORATION 3,554 $8,834 6.625% 14.3%
GOLDEN EMPIRE MORTGAGE, INC. 3,527 $11,619 6.375% 84.9%
East West Bank 3,261 $5,484 6.500% 61.2%
Kiavi Funding, Inc. 3,237 9.750% 12.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. 3,155 $12,789 10.040% 18.2%
Coastal Community Bank 3,015 9.990% 14.2%
LOGIX FEDERAL CREDIT UNION 2,989 6.375% 97.1%
REDWOOD 2,928 $6,331 8.000% 100.0%
Fairway Independent Mortgage Corporation 2,867 $9,821 6.625% 3.9%
DHI MORTGAGE COMPANY, LTD. 2,776 $10,271 5.250% 4.0%
Commerce Home Mortgage, Inc. 2,752 $14,212 7.125% 31.3%
PNC Bank, National Association 2,688 $6,530 6.875% 4.4%
City National Bank 2,576 $5,921 6.030% 76.3%
NEW WAVE LENDING GROUP INC 2,573 $8,669 6.875% 61.8%
FINANCE OF AMERICA REVERSE LLC 2,527 8.990% 29.1%
Mortgage Research Center, LLC 2,515 $6,064 6.125% 3.0%
CAKE MORTGAGE CORP. 2,354 $15,530 7.625% 75.4%
Third Federal Savings and Loan Association of Cleveland 2,301 6.990% 10.8%
Sierra Pacific Mortgage Company, Inc. 2,290 $11,572 6.500% 30.8%
ALAMEDA MORTGAGE CORPORATION 2,287 $10,001 6.500% 65.3%
NMSI, INC. 2,145 $8,507 6.750% 65.9%
WESCOM CENTRAL CREDIT UNION 2,079 $4,918 8.000% 98.4%
KBHS HOME LOANS, LLC 2,009 $14,380 6.075% 22.8%
Morgan Stanley Private Bank, National Association 1,957 $5,596 5.800% 18.2%
Fremont Bank 1,954 $600 8.250% 99.7%
MISSION 1,950 $5,705 6.990% 100.0%
ALLIANT CREDIT UNION 1,937 $4,838 7.750% 23.2%
FlexPoint, Inc. 1,861 $12,966 6.933% 60.8%
Patelco Credit Union 1,846 $1,639 8.000% 100.0%
MUTUAL OF OMAHA MORTGAGE, INC. 1,845 $8,879 6.375% 7.6%
BETTER MORTGAGE CORPORATION 1,786 $6,422 7.375% 12.3%
SOFI BANK, NATIONAL ASSOCIATION 1,778 $2,090 7.790% 11.0%
NEXERA HOLDING LLC 1,755 $10,705 7.375% 30.2%
ROYAL PACIFIC FUNDING CORP. 1,753 $15,799 6.625% 78.1%
Charles Schwab Bank, SSB 1,748 $4,857 5.500% 28.8%
SUN WEST MORTGAGE COMPANY, INC. 1,697 $12,677 6.125% 19.8%
MOVEMENT MORTGAGE, LLC 1,690 $7,827 6.625% 2.9%
Zions Bancorporation, N.A. 1,647 $4,823 6.250% 18.3%
TRIAD FINANCIAL SERVICES, INC. 1,644 8.730% 11.3%
AmeriSave Mortgage Corporation 1,635 $5,244 8.625% 6.7%
General Mortgage Capital Corporation 1,623 $5,873 6.500% 36.2%
FRANKLIN LOAN CORPORATION 1,608 $7,945 6.750% 80.6%
California Coast Credit Union 1,556 7.500% 100.0%
AMERICAN FINANCIAL NETWORK, INC. 1,554 $13,785 6.625% 11.8%
JMAC LENDING, INC. 1,541 $11,659 6.625% 28.8%
GUARANTEED RATE AFFINITY, LLC 1,539 $7,023 6.550% 9.7%
STAR ONE Credit Union 1,531 $2,731 6.500% 92.0%
HSBC BANK USA, NATIONAL ASSOCIATION 1,526 $5,579 5.860% 49.8%
Citadel Servicing Corporation 1,470 $13,787 7.125% 21.1%
A&D Mortgage LLC 1,446 $8,280 6.490% 9.9%
Hometown Equity Mortgage, LLC 1,424 $15,102 7.250% 18.9%
CALIFORNIA CREDIT UNION 1,409 5.990% 100.0%
First-Citizens Bank & Trust Company 1,383 $5,940 6.008% 9.6%
AMERITRUST MORTGAGE CORPORATION 1,372 $14,565 6.990% 43.0%
CHAMPIONS FUNDING, LLC 1,367 $18,583 7.750% 12.4%
EVERETT FINANCIAL, INC. 1,342 $9,887 6.750% 8.3%
HOMEXPRESS MORTGAGE CORP. 1,332 $16,797 7.250% 16.7%
Tri Counties Bank 1,311 $4,458 6.125% 99.5%
CONVENTUS LLC 1,294 9.490% 49.0%
21st Mortgage Corporation 1,262 10.015% 4.5%
NexBank 1,262 $10,132 6.375% 22.1%
ML Mortgage Corp. 1,259 $12,175 6.625% 78.7%
OriginPoint, LLC 1,252 $7,635 6.625% 21.0%
LAKEVIEW LOAN SERVICING, LLC 1,246 $3,653 6.250% 7.6%
QUORUM FEDERAL CREDIT UNION 1,243 $3,774 8.375% 24.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY 1,208 $8,616 6.625% 4.9%
PROVIDENT FUNDING ASSOCIATES, L.P. 1,208 $4,506 6.375% 9.9%
KINECTA 1,195 $4,130 6.740% 78.5%
VALLEY STRONG CREDIT UNION 1,195 $3,364 8.000% 99.3%
Financial Partners Credit Union 1,191 $3,363 7.500% 98.8%
ZILLOW HOME LOANS, LLC 1,176 $8,052 6.375% 8.2%
AAA CAPITAL INVESTMENT, INC. 1,161 $8,028 6.750% 49.2%
ORANGE COUNTY'S CREDIT UNION 1,140 7.625% 99.8%
Equity Prime Mortgage LLC 1,126 $17,586 6.250% 9.3%
PENTAGON FEDERAL CREDIT UNION 1,113 $5,989 7.750% 10.1%
RESICENTRAL, LLC 1,108 $8,533 6.490% 20.5%
Lendage, LLC 1,076 10.750% 9.9%
PLAZA HOME MORTGAGE, INC. 1,056 $9,608 6.625% 7.2%
LONGBRIDGE FINANCIAL, LLC 1,040 6.625% 20.3%
GoodLeap, LLC 1,030 $11,800 7.650% 10.5%
VISTA POINT MORTGAGE, LLC 1,029 $9,878 8.250% 49.3%
CARRINGTON MORTGAGE SERVICES, LLC 1,022 $8,663 6.625% 6.8%
DEEPHAVEN MORTGAGE LLC 1,010 $10,698 7.875% 12.5%
PLANET HOME LENDING, LLC 1,004 $7,309 5.990% 6.9%
ANGEL OAK MORTGAGE SOLUTIONS LLC 979 $14,540 7.499% 15.7%
Comerica Bank 975 5.990% 31.2%
SUMMIT FUNDING, INC. 951 $12,319 6.750% 16.5%
Center Street Lending VIII SPE, LLC 946 10.375% 70.5%
PULTE MORTGAGE LLC 943 $800 5.500% 5.0%
UNION HOME MORTGAGE CORP. 942 $9,727 6.125% 2.5%
Flagstar Bank, N.A. 934 $6,565 6.500% 9.7%
Logan Finance Corporation 933 $18,263 6.999% 30.5%
STG MORTGAGE INC 928 $12,944 6.625% 33.4%
Home Mortgage Alliance Corporation (HMAC) 920 $11,965 7.750% 46.9%
MASON MCDUFFIE MORTGAGE CORPORATION 903 $8,157 6.625% 33.6%
CLEAREDGE LENDING LLC 898 $18,084 7.125% 32.7%
HOMEAMERICAN MORTGAGE CORPORATION 865 $5,963 4.875% 16.2%
STANFORD Federal Credit Union 849 $5,021 7.500% 84.1%
NATIONS DIRECT MORTGAGE, LLC 840 $10,479 6.625% 14.2%
MERCHANTS MORTGAGE & TRUST CORPORATION, LLC 834 9.750% 42.1%
FIRST TECHNOLOGY FEDERAL CREDIT UNION 824 $4,213 7.500% 19.8%
Discover Bank 813 8.580% 8.4%
MLD MORTGAGE INC. 805 $7,779 6.375% 16.2%
Taylor Morrison Home Funding, Inc. 802 $4,872 6.250% 9.1%
PHH Mortgage Corporation 800 $7,486 6.000% 10.5%
Synergy One Lending, Inc. 797 $7,699 6.625% 9.8%
MORTGAGEONE, INC. 792 $10,750 6.625% 46.8%
Firefighters First Federal Credit Union 774 $1,945 8.000% 67.7%
BAY-VALLEY MORTGAGE GROUP 774 $9,011 6.625% 75.0%
FIRST COLONY MORTGAGE CORPORATION 772 $8,636 6.490% 8.7%
VILLAGE CAPITAL & INVESTMENT LLC 770 $9,161 5.990% 7.1%
EMET LENDING GROUP, INC. 758 $12,268 7.000% 55.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 751 $9,468 6.490% 4.9%
Cornerstone First Mortgage, Inc 706 $9,027 6.750% 9.5%
Umpqua Bank 703 $6,188 8.000% 14.5%
INSPIRE HOME LOANS INC. 693 $8,223 5.625% 10.5%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 686 $10,374 4.990% 17.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. 677 $8,352 6.500% 30.4%
NuVision Federal Credit Union 672 $5,749 4.990% 59.1%
ANCHOR LOANS, LP 652 9.500% 41.6%
PREMIER MORTGAGE RESOURCES, L.L.C. 637 $9,089 6.500% 10.5%
Lakeview Community Capital, LLC 637 $9,234 6.125% 14.6%
Genesis Capital, LLC 628 8.750% 48.8%
Banner Bank 627 $9,551 7.563% 18.5%
Prosperity Home Mortgage, LLC 626 $7,169 6.625% 3.0%
Cathay Bank 616 $5,641 6.250% 37.5%
MORIA DEVELOPMENT, INC. 603 $9,018 6.500% 20.2%
Citizens Bank, National Association 589 $9,343 5.750% 0.9%
GEO-CORP, INC. 569 $28,584 6.990% 52.2%
PARTNERS Federal Credit Union 553 $5,738 7.000% 47.7%
Bethpage Federal Credit Union 552 6.490% 7.6%
UBS Bank USA 552 $6,229 5.875% 16.3%
AMERIHOME MORTGAGE COMPANY, LLC 540 $7,179 6.500% 5.9%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 537 $3,857 6.000% 9.2%
MidFirst Bank 535 $6,560 6.250% 22.1%
Valon Mortgage, Inc. 533 $3,465 8.450% 12.1%
CHEVRON Federal Credit Union 513 $5,103 7.500% 35.2%
SCENIC OAKS FUNDING, LLC 509 $8,529 6.500% 47.6%
HomeTrust Bank 506 8.250% 26.3%
ARC HOME LLC 504 $11,658 7.000% 16.1%
Ameris Bank 484 $5,180 6.125% 3.7%
LENDSURE MORTGAGE CORP. 468 7.500% 13.3%
Easy Street Capital, LLC 463 9.900% 19.2%
GENWAY HOME MORTGAGE, INC. 461 $19,560 7.000% 24.4%
HOMEOWNERS FINANCIAL GROUP USA, LLC 454 $8,573 6.500% 12.0%
MISSION LOANS, LLC 454 $6,274 7.990% 19.8%
CREDIT HUMAN FEDERAL CREDIT UNION 453 8.700% 17.2%
CLM MORTGAGE, INC. 448 $8,237 6.125% 12.2%
AMERICAN FINANCIAL RESOURCES, INC. 440 $11,525 6.375% 3.8%
USALLIANCE FEDERAL CREDIT UNION 437 8.000% 24.3%
Vellum Mortgage, Inc. 437 $6,299 6.625% 25.9%
GTE Federal Credit Union 430 8.250% 20.5%
BAY EQUITY LLC 426 $7,061 6.750% 9.6%
OAKTREE FUNDING CORP. 417 $14,546 7.875% 31.4%
NFM, INC. 416 $11,544 6.000% 2.2%
ENVOY MORTGAGE, LTD 416 $7,706 6.500% 7.6%
LoanUnited.com, LLC 409 $12,969 6.000% 9.7%
Emporium TPO LLC 403 $14,425 7.250% 13.6%
LEADERONE FINANCIAL CORPORATION 395 $10,047 6.500% 7.2%
LAND HOME FINANCIAL SERVICES, INC. 395 $9,515 6.750% 25.7%
VELOCITY COMMERCIAL CAPITAL, LLC 388 9.865% 7.6%
First Bank 379 $5,997 8.250% 22.5%
Barrington Bank & Trust Company, National Association 371 $6,996 6.500% 4.8%
Stifel Bank and Trust 364 $4,142 6.000% 8.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. 363 $10,135 6.625% 3.8%
NQM FUNDING, LLC 361 $12,433 7.374% 14.2%
SmartFi Home Loans, LLC 361 8.980% 32.3%
POINT MORTGAGE CORPORATION 358 $8,801 6.490% 19.3%
Sunward Federal Credit Union 357 $4,294 5.750% 22.6%
Truist Bank 325 $7,237 6.375% 0.8%
USAA Federal Savings Bank 318 $7,376 6.250% 2.7%
TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION 317 6.000% 23.2%
NBKC BANK 313 $4,036 6.375% 4.6%
Plains Commerce Bank 304 $10,971 6.625% 2.4%
CALCON MUTUAL MORTGAGE LLC 292 $13,164 5.688% 6.9%
AMERICAN HERITAGE LENDING, LLC 274 $16,370 7.313% 6.1%
NEW DAY FINANCIAL, LLC 266 $16,412 6.990% 3.2%
The Federal Savings Bank 265 $16,065 6.500% 3.2%
LOWER, LLC 264 $10,484 6.750% 1.5%
CORNERSTONE CAPITAL BANK, SSB 261 $8,315 6.750% 3.4%
MORTGAGE SOLUTIONS OF COLORADO, LLC 260 $11,996 6.750% 4.2%
CANOPY MORTGAGE, LLC 255 $8,673 6.625% 3.0%
Tomo Mortgage, LLC 234 $5,273 6.375% 6.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 232 $9,185 6.500% 1.8%
Baxter Credit Union 229 $3,184 7.125% 7.2%
INTERCAP LENDING INC. 224 $7,634 6.625% 5.0%
AMERICAN INTERNET MORTGAGE, INC. 220 $3,735 6.125% 16.1%
Goldman Sachs Bank USA 220 $6,348 5.450% 21.7%
PANORAMA MORTGAGE GROUP, LLC 216 $13,095 6.750% 10.8%
Northpointe Bank 205 $3,506 6.375% 3.2%
Click n' Close, Inc. 203 $7,263 6.750% 1.9%
Loan Funder LLC 197 10.000% 2.1%
ALL CREDIT CONSIDERED MORTGAGE, INC. 195 $14,842 7.625% 11.3%
CHURCHILL MORTGAGE CORPORATION 189 $9,137 6.750% 3.1%
GUIDANCE RESIDENTIAL, LLC 187 $5,285 6.875% 6.5%
COMMUNITYAMERICA CREDIT UNION 186 $1,597 8.240% 2.7%
Shea Mortgage Inc. 179 $1,257 6.500% 15.9%
RF RENOVO MANAGEMENT COMPANY, LLC 177 9.250% 2.6%
Nations Lending Corporation 177 $8,118 6.500% 2.7%
TEACHERS FEDERAL CREDIT UNION 177 $5,693 5.750% 8.0%
EFINITY FINANCIAL INC. 174 $11,950 6.750% 14.0%
ROUNDPOINT MORTGAGE SERVICING LLC 173 $2,334 3.750% 12.1%
The Dart Bank 172 $10,377 6.375% 4.2%
V.I.P. MORTGAGE, INC. 169 $7,378 6.625% 2.3%
TOLL BROTHERS MORTGAGE COMPANY 168 $6,258 6.490% 3.4%
Filo Mortgage, L.L.C. 165 $5,857 6.375% 6.4%
SOUTH RIVER MORTGAGE, LLC 164 8.990% 11.4%
AMERICAN FINANCING CORPORATION 163 $9,035 6.375% 3.0%
Boeing Employees Credit Union 148 $5,904 6.000% 1.0%
DIGITAL 148 $1,693 7.740% 3.8%
Manufacturers and Traders Trust Company 139 $3,928 4.125% 0.6%
NOVA FINANCIAL & INVESTMENT CORPORATION 132 $6,163 6.563% 2.6%
Genisys Credit Union 132 $6,500 6.000% 3.7%
FBC MORTGAGE, LLC 130 $13,808 5.990% 2.2%
SECURITYNATIONAL MORTGAGE COMPANY 127 $12,266 6.875% 2.2%
FIRST COMMUNITY MORTGAGE, INC. 126 $9,669 6.250% 1.2%
CITIZENS EQUITY FIRST 124 7.500% 3.8%
First National Bank of America 124 $12,832 8.740% 4.6%
Raymond James Bank 122 $5,869 5.375% 7.1%
ALLIED MORTGAGE GROUP, INC. 116 $5,229 6.625% 5.4%
First Federal Bank 115 $4,987 6.125% 2.5%
GENEVA FINANCIAL, LLC 114 $11,127 7.125% 2.1%
Sunflower Bank, National Association 113 $6,805 6.625% 3.2%
DAS Acquisition Company, LLC 112 $10,102 6.500% 1.5%
MICHIGAN MUTUAL, INC. 108 $10,761 6.625% 7.3%
HomeStreet Bank 103 7.750% 9.7%
CLEARPATH LENDING 99 $6,789 5.750% 5.5%
MEGASTAR FINANCIAL CORP. 99 $11,033 6.500% 8.5%
GO MORTGAGE, LLC 98 $8,619 6.500% 6.0%
Farmers Bank & Trust 88 $3,601 6.375% 8.0%
Quontic Bank 87 $11,465 8.375% 7.3%
Magnolia Bank, Incorporated 83 $17,807 6.250% 2.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 81 $12,177 6.625% 1.2%
American Airlines Federal Credit Union 78 7.438% 3.7%
PIKE CREEK MORTGAGE SERVICES, INC. 75 $6,919 6.490% 2.7%
TOP FLITE FINANCIAL, INC. 73 $17,998 6.875% 2.4%
TOWNE MORTGAGE COMPANY 72 $9,017 6.313% 1.0%
UIF CORPORATION 70 $5,021 6.875% 4.2%
ROYAL UNITED MORTGAGE LLC 69 $7,820 6.875% 1.4%
Luminate Bank 68 6.490% 0.8%
University Bank 67 2.8%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 66 $8,164 6.813% 1.2%
TEMPLE VIEW CAPITAL FUNDING, LP 65 10.250% 3.4%
Investor Mortgage Finance LLC 63 7.025% 2.9%
ALTITUDE FINANCIAL CORPORATION 63 $7,611 6.375% 6.3%
VANDERBILT MORTGAGE AND FINANCE, INC. 59 9.500% 0.3%
Leader Bank, National Association 58 6.250% 0.9%
SIRVA MORTGAGE, INC. 58 4.8%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 54 $14,233 6.125% 0.4%
Global Federal Credit Union 53 7.500% 2.0%
UMB Bank, National Association 52 6.150% 1.9%
US MORTGAGE CORPORATION 52 $9,419 6.624% 3.5%
Fifth Third Bank, National Association 51 6.000% 0.1%
ROGUE CREDIT UNION 50 7.000% 2.6%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.