The MFP Home Loan Lenders Community Survey gathers California’s homeowners feedback and 162 lender recommendations for home purchase loans in the state. Shopping for a new home loan can be complicated and we gathered the information below to help you with your choices.
Updated: June 5, 2025
<< Human Powered Recommendations >>
California Best Home Loans Lenders
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Online Lenders , Brokers & Consultants
California Home Loan Lenders Satisfaction
Performance and satisfaction of home loan lenders across California by lenders type.
Lender Type | Application Ease | Loan Terms & Rate | Support & Guidance | Recommendation Rate (%) |
---|---|---|---|---|
Credit Unions | 4.65 | 4.64 | 4.71 | 94% |
Community Banks | 3.83 | 3.87 | 3.93 | 84% |
Banks | 3.73 | 3.82 | 3.79 | 85% |
Online Lenders | 4.20 | 4.10 | 4.27 | 87% |
Recommendations are gathered from 931 members who shopped and requested a home loan in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home loan mortgage. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Home Loan Info for California Homeowners:
California Down Payment Assistance Programs
More California Homeowners Resources.
Los Angeles Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Los Angeles’s area are Logix Federal Credit Union, Golden 1 Credit Union and Valley Strong Credit Union.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Logix Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 97% |
Golden 1 Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
Valley Strong Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 95% |
California Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 94% |
First Citizens Bank | Bank | 4.5 | 4.4 | 4.5 | 93% |
Bank of the West | Bank | 4.4 | 4.3 | 4.4 | 92% |
Citizens Business Bank | Community Bank | 4.3 | 4.2 | 4.3 | 91% |
Bank of America | Bank | 4.0 | 4.1 | 4.0 | 88% |
Wells Fargo | Bank | 3.9 | 4.0 | 3.9 | 87% |
Chase Bank | Bank | 3.8 | 3.9 | 3.8 | 86% |
U.S. Bank | Bank | 3.7 | 3.8 | 3.7 | 85% |
Citibank | Bank | 3.6 | 3.7 | 3.6 | 84% |
Union Bank | Bank | 3.5 | 3.6 | 3.5 | 83% |
East West Bank | Community Bank | 3.4 | 3.5 | 3.4 | 82% |
Cathay Bank | Community Bank | 3.3 | 3.4 | 3.3 | 81% |
San Diego Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in San Diego’s area are San Diego County Credit Union, Mission Federal Credit Union and California Coast Credit Union.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
San Diego County Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 97% |
Mission Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
California Coast Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 95% |
First Citizens Bank | Bank | 4.6 | 4.5 | 4.6 | 94% |
Bank of Southern California | Community Bank | 4.5 | 4.4 | 4.5 | 93% |
Bank of America | Bank | 4.0 | 4.1 | 4.0 | 88% |
Wells Fargo | Bank | 3.9 | 4.0 | 3.9 | 87% |
Chase Bank | Bank | 3.8 | 3.9 | 3.8 | 86% |
U.S. Bank | Bank | 3.7 | 3.8 | 3.7 | 85% |
Citibank | Bank | 3.6 | 3.7 | 3.6 | 84% |
Union Bank | Bank | 3.5 | 3.6 | 3.5 | 83% |
Torrey Pines Bank | Community Bank | 3.4 | 3.5 | 3.4 | 82% |
Pacific Western Bank | Community Bank | 3.3 | 3.4 | 3.3 | 81% |
California Bank & Trust | Bank | 3.2 | 3.3 | 3.2 | 80% |
Opus Bank | Community Bank | 3.1 | 3.2 | 3.1 | 79% |
San Jose Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in San Jose’s area are Wells Fargo, Bank of America and U.S. Bank.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Wells Fargo | Bank | 4 | 4 | 4 | 88% |
Bank of America | Bank | 4 | 4 | 4 | 85% |
U.S. Bank | Bank | 4 | 4 | 4 | 83% |
HSBC | Bank | 3 | 4 | 3 | 80% |
BMO | Bank | 3 | 4 | 3 | 78% |
Citi | Bank | 3 | 3 | 3 | 75% |
Chase | Bank | 4 | 3 | 3 | 74% |
PNC Bank | Bank | 3 | 3 | 3 | 72% |
Redwood Credit Union | Credit Union | 4 | 4 | 4 | 90% |
San Francisco Federal Credit Union | Credit Union | 4 | 4 | 4 | 88% |
First Republic Bank | Bank | 4 | 4 | 5 | 92% |
Golden 1 Credit Union | Credit Union | 4 | 4 | 4 | 87% |
Bank of the West | Bank | 3 | 4 | 4 | 82% |
Silicon Valley Bank | Bank | 4 | 4 | 4 | 85% |
Mechanics Bank | Community Bank | 4 | 4 | 4 | 86% |
San Francisco Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in San Francisco’s area are San Francisco Federal Credit Union, Patelco Credit Union and First Republic Bank.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
San Francisco Federal Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 97% |
Patelco Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
First Republic Bank | Bank | 4.7 | 4.6 | 4.7 | 95% |
Star One Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 94% |
Bank of the West | Bank | 4.5 | 4.4 | 4.5 | 93% |
Bank of America | Bank | 4.0 | 4.1 | 4.0 | 88% |
Wells Fargo | Bank | 3.9 | 4.0 | 3.9 | 87% |
Chase Bank | Bank | 3.8 | 3.9 | 3.8 | 86% |
U.S. Bank | Bank | 3.7 | 3.8 | 3.7 | 85% |
Citibank | Bank | 3.6 | 3.7 | 3.6 | 84% |
Union Bank | Bank | 3.5 | 3.6 | 3.5 | 83% |
Silicon Valley Bank | Bank | 3.4 | 3.5 | 3.4 | 82% |
East West Bank | Community Bank | 3.3 | 3.4 | 3.3 | 81% |
Cathay Bank | Community Bank | 3.2 | 3.3 | 3.2 | 80% |
Pacific Western Bank | Community Bank | 3.1 | 3.2 | 3.1 | 79% |
Fresno Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fresno’s area are Valley Strong Credit Union, Educational Employees Credit Union and Bank of the Sierra.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Valley Strong Credit Union | Credit Union | 4.9 | 4.8 | 4.9 | 97% |
Educational Employees Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 96% |
Bank of the Sierra | Bank | 4.7 | 4.6 | 4.7 | 95% |
Central Valley Community Bank | Community Bank | 4.6 | 4.5 | 4.6 | 94% |
Bank of America | Bank | 4.0 | 4.1 | 4.0 | 88% |
Wells Fargo | Bank | 3.9 | 4.0 | 3.9 | 87% |
Chase Bank | Bank | 3.8 | 3.9 | 3.8 | 86% |
U.S. Bank | Bank | 3.7 | 3.8 | 3.7 | 85% |
Citibank | Bank | 3.6 | 3.7 | 3.6 | 84% |
Union Bank | Bank | 3.5 | 3.6 | 3.5 | 83% |
Pacific Western Bank | Community Bank | 3.4 | 3.5 | 3.4 | 82% |
Opus Bank | Community Bank | 3.3 | 3.4 | 3.3 | 81% |
California Bank & Trust | Bank | 3.2 | 3.3 | 3.2 | 80% |
Citizens Business Bank | Community Bank | 3.1 | 3.2 | 3.1 | 79% |
First Citizens Bank | Bank | 3.0 | 3.1 | 3.0 | 78% |
Sacramento Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Sacramento’s area are Golden 1 Credit Union, Bank of America and U.S. Bank.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Golden 1 Credit Union | Credit Union | 4 | 4 | 5 | 92% |
Bank of America | Bank | 4 | 4 | 4 | 88% |
U.S. Bank | Bank | 4 | 4 | 4 | 87% |
Self-Help Federal Credit Union | Credit Union | 4 | 4 | 4 | 86% |
Safe Credit Union | Credit Union | 4 | 4 | 4 | 85% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
SchoolsFirst FCU | Credit Union | 4 | 4 | 4 | 84% |
Chase | Bank | 4 | 3 | 3 | 82% |
Tri Counties Bank | Community Bank | 4 | 4 | 4 | 85% |
First Northern Bank | Community Bank | 4 | 4 | 4 | 84% |
River City Bank | Community Bank | 4 | 4 | 4 | 83% |
Five Star Bank | Community Bank | 4 | 4 | 4 | 82% |
Bank of Marin | Community Bank | 4 | 4 | 4 | 81% |
Mechanics Bank | Community Bank | 4 | 4 | 4 | 80% |
Plumas Bank | Community Bank | 4 | 4 | 4 | 79% |
Long Beach Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Long Beach’s area are SchoolsFirst FCU, Kinecta FCU and Bank of America.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
SchoolsFirst FCU | Credit Union | 5 | 5 | 5 | 94% |
Kinecta FCU | Credit Union | 4 | 5 | 5 | 93% |
Bank of America | Bank | 4 | 4 | 4 | 88% |
U.S. Bank | Bank | 4 | 4 | 4 | 87% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
Chase | Bank | 4 | 3 | 3 | 82% |
First Bank | Community Bank | 4 | 4 | 4 | 85% |
Pacific Western Bank | Community Bank | 4 | 4 | 4 | 83% |
Farmers & Merchants Bank | Community Bank | 4 | 4 | 5 | 89% |
BBCN Bank | Community Bank | 4 | 4 | 4 | 82% |
Oakland Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Oakland’s area are Patelco Credit Union, Bank of the West and First Republic Bank.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Patelco Credit Union | Credit Union | 5 | 5 | 5 | 95% |
Bank of the West | Bank | 4 | 4 | 4 | 88% |
First Republic Bank | Bank | 4 | 4 | 5 | 92% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
Bank of America | Bank | 4 | 4 | 4 | 86% |
U.S. Bank | Bank | 4 | 4 | 4 | 85% |
Mechanics Bank | Community Bank | 4 | 4 | 4 | 86% |
Tri Counties Bank | Community Bank | 4 | 4 | 4 | 84% |
Citibank | Bank | 3 | 3 | 3 | 80% |
Chase | Bank | 4 | 3 | 3 | 81% |
Bakersfield Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bakersfield’s area are Kern Schools FCU, Valley Strong Credit Union and Bank of the Sierra.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Kern Schools FCU | Credit Union | 5 | 5 | 5 | 96% |
Valley Strong Credit Union | Credit Union | 5 | 5 | 5 | 95% |
Bank of the Sierra | Community Bank | 4 | 4 | 5 | 90% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
Bank of America | Bank | 4 | 4 | 4 | 86% |
U.S. Bank | Bank | 4 | 4 | 4 | 85% |
Chase | Bank | 4 | 3 | 3 | 81% |
Citibank | Bank | 3 | 3 | 3 | 80% |
Mission Bank | Community Bank | 4 | 4 | 4 | 85% |
Plains Commerce Bank | Community Bank | 4 | 4 | 4 | 83% |
Anaheim Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Anaheim’s area are Orange County’s Credit Union, SchoolsFirst FCU and Chase.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Orange County’s Credit Union | Credit Union | 5 | 5 | 5 | 95% |
SchoolsFirst FCU | Credit Union | 5 | 5 | 5 | 94% |
Chase | Bank | 4 | 4 | 4 | 88% |
Bank of America | Bank | 4 | 4 | 4 | 87% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
U.S. Bank | Bank | 4 | 4 | 4 | 85% |
First Foundation Bank | Community Bank | 4 | 4 | 5 | 89% |
Pacific Western Bank | Community Bank | 4 | 4 | 4 | 85% |
Citibank | Bank | 3 | 3 | 3 | 80% |
BBCN Bank | Community Bank | 4 | 4 | 4 | 83% |
Santa Ana Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Santa Ana’s area are Orange County’s Credit Union, SchoolsFirst FCU and First Foundation Bank.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Orange County’s Credit Union | Credit Union | 5 | 5 | 5 | 96% |
SchoolsFirst FCU | Credit Union | 5 | 5 | 5 | 95% |
First Foundation Bank | Community Bank | 4 | 5 | 5 | 93% |
Bank of America | Bank | 4 | 4 | 4 | 87% |
Chase | Bank | 4 | 4 | 4 | 86% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
Pacific Western Bank | Community Bank | 4 | 4 | 4 | 85% |
BBCN Bank | Community Bank | 4 | 4 | 4 | 84% |
Riverside Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Riverside’s area are Altura Credit Union, SchoolsFirst FCU and Bank of America.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Altura Credit Union | Credit Union | 5 | 5 | 5 | 96% |
SchoolsFirst FCU | Credit Union | 5 | 5 | 5 | 95% |
Bank of America | Bank | 4 | 4 | 4 | 88% |
U.S. Bank | Bank | 4 | 4 | 4 | 87% |
Wells Fargo | Bank | 3 | 4 | 4 | 84% |
Chase | Bank | 4 | 4 | 4 | 86% |
First Bank | Community Bank | 4 | 4 | 4 | 85% |
Pacific Western Bank | Community Bank | 4 | 4 | 4 | 84% |
Best California Home Loans Brokers
MFP’s Community Lenders Survey most recommended home purchase broker or consultant in California’s area are Lending Bankers Mortgage, Bennett Capital Partners and Movement Mortgage.
- Highest in both Recommend % (98%) and Support & Guidance (4.9) among all California lenders
- Members frequently highlight their responsiveness and personalized solutions
- Perfect 5.0 in Loan Terms & Rate Satisfaction with 96% Recommend score
- Homeowners consistently praise their market expertise and closing efficiency
- 4.8 Easy Application score with 95% Recommend rate, strongest digital integration
- Users emphasize advisor availability and streamlined processes
Firm | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
---|---|---|---|---|
Lending Bankers Mortgage | 4.7 | 4.8 | 4.9 | 98% |
Bennett Capital Partners | 4.6 | 5.0 | 4.8 | 96% |
Movement Mortgage | 4.8 | 4.7 | 4.7 | 95% |
Fairway Independent Mortgage | 4.5 | 4.6 | 4.8 | 94% |
Guild Mortgage | 4.4 | 4.5 | 4.6 | 93% |
Home Financing Center | 4.3 | 4.4 | 4.5 | 92% |
CrossCountry Mortgage | 4.2 | 4.3 | 4.4 | 91% |
Expert Mortgage Group | 4.1 | 4.2 | 4.3 | 90% |
Quality Mortgage Solutions | 4.0 | 4.1 | 4.2 | 89% |
Ruulio Mortgage | 3.9 | 4.0 | 4.1 | 88% |
Premier Lending Group | 3.8 | 3.9 | 4.0 | 87% |
Coastal Mortgage Associates | 3.7 | 3.8 | 3.9 | 86% |
Sunshine State Funding | 3.6 | 3.7 | 3.8 | 85% |
Palm Mortgage Company | 3.5 | 3.6 | 3.7 | 84% |
Horizon Lending Solutions | 3.4 | 3.5 | 3.6 | 83% |
California Mortgage Advisors | 3.3 | 3.4 | 3.5 | 82% |
Capital Funding Mortgage | 3.2 | 3.3 | 3.4 | 81% |
Elite Mortgage Consultants | 3.1 | 3.2 | 3.3 | 80% |
Best California Home Loans Online Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for California residents are Rocket Mortgage, Better Mortgage, and SchoolsFirst FCU.
Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
---|---|---|---|---|---|---|---|
Rocket Mortgage | Up to $3M | 6.25%-8.50% | 8/15/20/30 | 5.0 | 4.5 | 4.5 | 94% |
Better Mortgage | Up to $2.5M | 6.00%-8.25% | 15/30 | 4.5 | 4.5 | 4.0 | 92% |
SchoolsFirst FCU | Up to $1.5M | 5.90%-7.90% | 15/30 | 4.0 | 4.0 | 4.5 | 86% |
California Credit Union | Up to $1M | 5.75%-7.75% | 15/30 | 4.0 | 4.5 | 4.5 | 87% |
First Tech FCU | Up to $2M | 5.95%-8.15% | 15/30 | 4.0 | 4.0 | 4.0 | 85% |
Premier America CU | Up to $1M | 5.80%-7.80% | 15/30 | 4.0 | 4.5 | 4.5 | 88% |
First California Bank | Up to $1.5M | 6.05%-8.35% | 15/30 | 4.0 | 4.0 | 4.0 | 84% |
Pacific Premier Bank | Up to $2M | 6.10%-8.40% | 15/30 | 4.0 | 4.0 | 4.0 | 85% |
Bank of the West | Up to $3M | 6.15%-8.45% | 15/30 | 4.5 | 4.0 | 4.5 | 86% |
U.S. Bank | Up to $3M | 6.20%-8.50% | 15/30 | 4.0 | 4.0 | 4.0 | 85% |
LoanSimple | Up to $1M | 6.20%-8.30% | 15/20/30 | 4.5 | 4.0 | 4.5 | 89% |
Guaranteed Rate | Up to $3M | 6.15%-8.45% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
New American Funding | Up to $2M | 6.25%-8.75% | 15/30 | 4.0 | 3.5 | 4.5 | 85% |
Movement Mortgage | Up to $2.5M | 6.00%-8.20% | 15/30 | 4.5 | 4.0 | 4.5 | 88% |
Guild Mortgage | Up to $1.5M | 6.10%-8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |