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California Best Mortgage Lenders

Author: Data Team

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The Lenders Community Survey gathers homeowners feedback and 195 lender recommendations for California home purchase loans. Shopping for a home mortgage 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.

 
 

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 Mortgage Refinance

Home Refinance Loan Calculator

California Home Equity Loan & HELOC

Home Equity Loan Calculator

Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.

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 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%
 
 
 

The Lenders Community Survey gathers homeowners feedback and 195 lender recommendations for California home refinance loans. Shopping for a mortgage refinance can be complicated and we gathered data to help you with this process.

 

Updated: May 1, 2025

 
 

<< Human Powered Recommendations >>

 

California Best Refinance Lenders

 

Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Online Lenders.

 
 

California Refinance Lenders Satisfaction

 

Performance and satisfaction of mortgage refinance lenders across California by lenders type.

 
Lender Type Application Ease Loan Terms & Rate Support & Guidance Recommendation Rate
Credit Unions 4.9 4.8 4.9 90%
Community Banks 4.7 4.8 4.7 87%
National 4.4 4.3 4.3 86%
Online Lenders 4.1 4.6 4.7 87%
 

Recommendations are gathered from 931 members who shopped and requested a home refinance loan in the past 12 months:

 
  • Loan Application (0 to 5): How easy it is to apply for the home refinance 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 Mortgage Refinance 

Home Refinance Loan Calculator

California Home Equity Loan & HELOC 

Home Equity Loan Calculator

Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.

More California Homeowners Resources.

 
 
 

Los Angeles Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders for Los Angeles’s area are Kinecta Federal Credit Union, First Entertainment Credit Union, First Republic Bank and Logix Federal Credit Union.

 

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
City National Bank Bank 4.5 4.5 4.0 82%
East West Bank Bank 4.0 4.5 4.5 81%
Pacific Premier Bank Bank 4.5 4.0 4.0 80%
Kinecta Federal Credit Union Credit Union 5.0 5.0 5.0 92%
First Entertainment Credit Union Credit Union 5.0 4.5 5.0 91%
Logix Federal Credit Union Credit Union 5.0 5.0 4.5 90%
Premier America Credit Union Credit Union 4.5 5.0 5.0 89%
SchoolsFirst Federal Credit Union Credit Union 5.0 4.5 5.0 88%
 
 

San Diego – Mortgage Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders for San Diego’s area are Security Service Federal Credit Union, San Diego County Credit Union, Mission Federal Credit Union and North Island Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
San Diego County Credit Union Credit Union 5.0 5.0 5.0 92%
Mission Federal Credit Union Credit Union 5.0 4.5 5.0 91%
California Bank & Trust Bank 4.5 4.5 4.0 82%
Pacific Western Bank Bank 4.0 4.5 4.5 81%
North Island Credit Union Credit Union 5.0 5.0 4.5 90%
California Credit Union Credit Union 4.5 5.0 5.0 89%
Frontwave Credit Union Credit Union 5.0 4.5 5.0 88%
Security Service Federal Credit Union Credit Union 5.0 5.0 5.0 93%
 
 
 

San Jose – Mortgage Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in San Jose’s area are CEFCU, PremierOne Credit Union, Star One Credit Union and Patelco Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Silicon Valley Bank Bank 4.5 4.5 4.0 82%
Patelco Credit Union Credit Union 5.0 5.0 5.0 92%
Star One Credit Union Credit Union 5.0 4.5 5.0 91%
Provident Credit Union Credit Union 5.0 5.0 4.5 90%
Technology Credit Union Credit Union 4.5 5.0 5.0 89%
San Jose Federal Credit Union Credit Union 5.0 4.5 5.0 88%
PremierOne Credit Union Credit Union 5.0 5.0 5.0 93%
Citizens Equity First Credit Union (CEFCU) Credit Union 5.0 5.0 5.0 94%
 
 
 

San Jose Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in San Jose’s area are Citizens Equity First Credit Union, PremierOne Credit Union and Patelco Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Silicon Valley Bank Bank 4.5 4.5 4.0 82%
Patelco Credit Union Credit Union 5.0 5.0 5.0 92%
Star One Credit Union Credit Union 5.0 4.5 5.0 91%
Provident Credit Union Credit Union 5.0 5.0 4.5 90%
Technology Credit Union Credit Union 4.5 5.0 5.0 89%
San Jose Federal Credit Union Credit Union 5.0 4.5 5.0 88%
PremierOne Credit Union Credit Union 5.0 5.0 5.0 93%
Citizens Equity First Credit Union (CEFCU) Credit Union 5.0 5.0 5.0 94%
 
 
 

San Francisco Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in San Francisco’s area are San Francisco Federal Credit Union, First Republic Bank and Patelco Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Silicon Valley Bank Bank 4.5 4.5 4.0 82%
Patelco Credit Union Credit Union 5.0 5.0 5.0 92%
Star One Credit Union Credit Union 5.0 4.5 5.0 91%
Provident Credit Union Credit Union 5.0 5.0 4.5 90%
Technology Credit Union Credit Union 4.5 5.0 5.0 89%
San Francisco Federal Credit Union Credit Union 5.0 4.5 5.0 88%
PremierOne Credit Union Credit Union 5.0 5.0 5.0 93%
Citizens Equity First Credit Union (CEFCU) Credit Union 5.0 5.0 5.0 94%
 
 
 

Fresno – Mortgage Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Fresno’s area are Producers Bank, EECU, First Republic Bank and Valley Strong Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Valley Strong Credit Union Credit Union 5.0 5.0 5.0 92%
Educational Employees Credit Union (EECU) Credit Union 5.0 4.5 5.0 91%
Premier Valley Bank Bank 4.5 4.5 4.0 82%
Central Valley Community Bank Community Bank 4.0 4.5 4.5 81%
Golden 1 Credit Union Credit Union 5.0 5.0 4.5 90%
Bank of the Sierra Community Bank 4.5 5.0 5.0 89%
Kern Schools Federal Credit Union Credit Union 5.0 4.5 5.0 88%
Producers Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

Sacramento Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Sacramento’s area are Golden 1 Credit Union, Yolo Federal Credit Union, First Republic Bank and SAFE Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Golden 1 Credit Union Credit Union 5.0 5.0 5.0 92%
Safe Credit Union Credit Union 5.0 4.5 5.0 91%
River City Bank Community Bank 4.5 4.5 4.0 82%
Five Star Bank Community Bank 4.0 4.5 4.5 81%
Schools Financial Credit Union Credit Union 5.0 5.0 4.5 90%
Bank of Marin Community Bank 4.5 5.0 5.0 89%
Travis Credit Union Credit Union 5.0 4.5 5.0 88%
Yolo Federal Credit Union Credit Union 5.0 5.0 5.0 93%
 
 
 

Long Beach Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Long Beach’s area are Farmers & Merchants Bank, SchoolsFirst Federal Credit Union, First Republic Bank and Kinecta Federal Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Kinecta Federal Credit Union Credit Union 5.0 5.0 5.0 92%
SchoolsFirst Federal Credit Union Credit Union 5.0 4.5 5.0 91%
Premier America Credit Union Credit Union 4.5 4.5 4.0 82%
Logix Federal Credit Union Credit Union 4.0 4.5 4.5 81%
California Credit Union Credit Union 5.0 5.0 4.5 90%
Pacific Western Bank Community Bank 4.5 5.0 5.0 89%
First Bank Community Bank 5.0 4.5 5.0 88%
Farmers & Merchants Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

Oakland Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Oakland’s area are Travis Credit Union, Patelco Credit Union and Provident Credit Union First Republic Bank.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Patelco Credit Union Credit Union 5.0 5.0 5.0 92%
Provident Credit Union Credit Union 5.0 4.5 5.0 91%
Bank of Marin Community Bank 4.5 4.5 4.0 82%
Mechanics Bank Community Bank 4.0 4.5 4.5 81%
Golden 1 Credit Union Credit Union 5.0 5.0 4.5 90%
Community Bank of the Bay Community Bank 4.5 5.0 5.0 89%
1st United Credit Union Credit Union 5.0 4.5 5.0 88%
Travis Credit Union Credit Union 5.0 5.0 5.0 93%
 
 
 

Bakersfield Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Bakersfield’s area are Kern Schools Federal Credit Union, Central Valley Community Bank, First Republic Bank and Valley Strong Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Valley Strong Credit Union Credit Union 5.0 5.0 5.0 92%
Kern Schools Federal Credit Union Credit Union 5.0 4.5 5.0 91%
Golden 1 Credit Union Credit Union 4.5 4.5 4.0 82%
Bank of the Sierra Community Bank 4.0 4.5 4.5 81%
Mission Bank Community Bank 5.0 5.0 4.5 90%
Plaza Bank Community Bank 4.5 5.0 5.0 89%
Producers Bank Community Bank 5.0 4.5 5.0 88%
Central Valley Community Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

Anaheim Best Refinance Lenders

 

MFP’s Community Survey most recommended refinance lenders in Anaheim’s area are Farmers & Merchants Bank, First Republic Bank and SchoolsFirst Federal Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
SchoolsFirst Federal Credit Union Credit Union 5.0 5.0 5.0 92%
Orange County’s Credit Union Credit Union 5.0 4.5 5.0 91%
Pacific Western Bank Community Bank 4.5 4.5 4.0 82%
Premier America Credit Union Credit Union 4.0 4.5 4.5 81%
Kinecta Federal Credit Union Credit Union 5.0 5.0 4.5 90%
Logix Federal Credit Union Credit Union 4.5 5.0 5.0 89%
First Bank Community Bank 5.0 4.5 5.0 88%
Farmers & Merchants Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

Santa Ana Best Refinance Loan Lenders

 

MFP’s Community Survey most recommended refinance lenders in Santa Ana’s area are Farmers & Merchants Bank, Orange County’s Credit Union, First Republic Bank and Schools First Federal Credit Union.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
SchoolsFirst Federal Credit Union Credit Union 5.0 5.0 5.0 92%
Orange County’s Credit Union Credit Union 5.0 4.5 5.0 91%
Pacific Western Bank Community Bank 4.5 4.5 4.0 82%
Premier America Credit Union Credit Union 4.0 4.5 4.5 81%
Kinecta Federal Credit Union Credit Union 5.0 5.0 4.5 90%
Logix Federal Credit Union Credit Union 4.5 5.0 5.0 89%
First Bank Community Bank 5.0 4.5 5.0 88%
Farmers & Merchants Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

Riverside Best Refinance Loan Lenders

 

MFP’s Community Survey most recommended home refinance lenders in Riverside’s area are Altura Credit Union, First Republic Bank, SchoolsFirst Federal Credit Union and Farmers & Merchants Bank.

 
Lenders Type Easy Application Loan Terms & Rate Support and Guidance Recommend
Bank of America Bank 4.5 4.0 4.0 85%
Wells Fargo Bank 4.0 4.5 4.0 84%
Chase Bank Bank 4.5 4.0 4.5 83%
U.S. Bank Bank 4.0 4.5 4.0 82%
Citibank Bank 4.5 4.0 4.0 81%
Union Bank Bank 4.0 4.0 4.5 80%
First Republic Bank Bank 5.0 5.0 5.0 90%
Altura Credit Union Credit Union 5.0 5.0 5.0 92%
SchoolsFirst Federal Credit Union Credit Union 5.0 4.5 5.0 91%
Pacific Western Bank Community Bank 4.5 4.5 4.0 82%
Premier America Credit Union Credit Union 4.0 4.5 4.5 81%
Kinecta Federal Credit Union Credit Union 5.0 5.0 4.5 90%
Logix Federal Credit Union Credit Union 4.5 5.0 5.0 89%
First Bank Community Bank 5.0 4.5 5.0 88%
Farmers & Merchants Bank Community Bank 5.0 5.0 5.0 93%
 
 
 

California Best Online Refinance Lenders

 

MFP’s Community Lenders Survey most recommended online refinance lenders in California are Rocket Mortgage, Better.com and Bank of America.

 
 
Lender Loan Amounts APR Range Loan Terms Easy Application Rate Satisfaction Support and Guidance Recommend %
Rocket Mortgage $100K – $3M 2.70% – 5.20% 15-30 years 5.0 4.5 4.5 96%
Better.com $100K – $2.5M 2.75% – 5.45% 15-30 years 4.5 4.5 4.0 94%
Bank of America $100K – $3M 2.85% – 5.95% 15-30 years 4.0 4.0 4.5 91%
Chase Bank $100K – $3M 2.90% – 6.00% 15-30 years 4.0 4.0 4.5 89%
Golden 1 Credit Union $100K – $2M 2.80% – 5.60% 15-30 years 4.0 4.5 4.5 88%
Wells Fargo $100K – $3M 2.95% – 6.05% 15-30 years 3.5 4.0 4.0 86%
First Republic Bank $100K – $2.5M 2.85% – 5.75% 15-30 years 4.0 4.0 4.5 85%
U.S. Bank $100K – $3M 3.00% – 6.10% 15-30 years 3.5 4.0 4.0 84%
LoanDepot $100K – $3M 2.95% – 5.85% 10-30 years 4.5 4.0 4.0 83%
PennyMac $100K – $3M 3.05% – 6.05% 15-30 years 4.0 4.0 3.5 82%
 
 
 
 

 
 
 

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