NMLS Verified • Updated 2026-07-01 • No Paid Placements
Mortgage Lenders in California (2026)
38 lenders & brokers • 38 NMLS verified • Avg trust score 92
Total Lenders
38
NMLS Verified
38
Avg Trust Score
92
San Jose · California · Serves Santa Clara County
California independent broker network — deep Silicon Valley expertise for ultra-competitive San Jose and Cupertino transactions.
- NMLS
- 135622
- Trust Score
- 97/100
- County Exp.
- 98/100
- Close est.*
- ~22 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Cupertino · California · Serves Santa Clara County
Bay Area jumbo specialist — expertise in Cupertino luxury, multiple-offer, and non-contingent contract scenarios.
- NMLS
- 310167
- Trust Score
- 96/100
- County Exp.
- 97/100
- Close est.*
- ~24 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Cupertino · California · Serves Santa Clara County
Private bank mortgage arm — jumbo and portfolio lending tailored for generational wealth and stock-comp buyers.
- NMLS
- 5369
- Trust Score
- 95/100
- County Exp.
- 96/100
- Close est.*
- ~30 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Cupertino · California · Serves Santa Clara County
California-based lender — localized expertise in above-list, ultra-competitive Silicon Valley offer dynamics.
- NMLS
- 76901
- Trust Score
- 95/100
- County Exp.
- 96/100
- Close est.*
- ~23 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
California independent broker — deep Inland Empire expertise for middle-income families and logistics workers in Riverside and Moreno Valley.
- NMLS
- 1850
- Trust Score
- 95/100
- County Exp.
- 96/100
- Close est.*
- ~24 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
NAF San Jose team — strong support for tech professionals in multiple-offer, above-list Silicon Valley transactions.
- NMLS
- 6606
- Trust Score
- 94/100
- County Exp.
- 95/100
- Close est.*
- ~26 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
Wholesale broker — speed-critical closings for Santa Clara's blistering 12–13 day on-market pace.
- NMLS
- 112844
- Trust Score
- 94/100
- County Exp.
- 95/100
- Close est.*
- ~21 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
Tech-employee credit union — competitive member rates for qualified professionals in ultra-tight Santa Clara inventory.
- NMLS
- 732452
- Trust Score
- 94/100
- County Exp.
- 95/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Moreno Valley · California · Serves Riverside County
Independent broker — strong focus on the $625K–$710K median segment for inland family buyers.
- NMLS
- 136890
- Trust Score
- 94/100
- County Exp.
- 95/100
- Close est.*
- ~23 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
California independent broker — deep Central Valley expertise for affordable family and positive cash-flow investor financing in Clovis.
- NMLS
- 1850
- Trust Score
- 94/100
- County Exp.
- 95/100
- Close est.*
- ~24 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
National Guild lender with Silicon Valley presence — sophisticated jumbo and high-value financing for Santa Clara County.
- NMLS
- 3274
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
Silverton San Jose retail lending — professional service for constrained-inventory, cash-competitive deals.
- NMLS
- 1561
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~27 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
VA and executive relocation programs — support for military-affiliated and high-earning tech migrants in Santa Clara.
- NMLS
- 1907
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~32 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
NAF Riverside team — excellent ratings for high-volume purchase and refinance among middle-income Inland Empire buyers.
- NMLS
- 6606
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~26 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Moreno Valley · California · Serves Riverside County
Wholesale broker — speed and transparency for Riverside County's high-transaction affordability market.
- NMLS
- 112844
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~22 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
Riverside-area credit union — community-focused member rates for qualified buyers in the high-volume Inland Empire corridor.
- NMLS
- 401403
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Bakersfield · California · Serves Kern County
Independent broker — strong focus on Central Valley affordability and positive cash-flow investor deals.
- NMLS
- 136890
- Trust Score
- 93/100
- County Exp.
- 94/100
- Close est.*
- ~23 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Cupertino · California · Serves Santa Clara County
CrossCountry Cupertino teams — experienced lending for AI and semiconductor professionals with RSU-driven income.
- NMLS
- 3029
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
National Guild lender with Inland Empire branches — comprehensive financing for Riverside County's affordability magnet corridor.
- NMLS
- 3274
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~27 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
Silverton Riverside retail lending — professional service for compressed-timeline Inland Empire transactions.
- NMLS
- 1561
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~27 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Moreno Valley · California · Serves Riverside County
VA and entry-level programs — tailored for military-affiliated and middle-income SoCal migrants in the Inland Empire.
- NMLS
- 1907
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~30 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
California lender — localized knowledge of Inland Empire investor and family financing amid logistics growth.
- NMLS
- 3089
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~25 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
NAF Clovis team — excellent ratings for remote worker and first-time buyer volume in elite-school suburbs.
- NMLS
- 6606
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~26 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
Wholesale broker — speed and transparency for Central Valley's $400K–$430K median purchase market.
- NMLS
- 112844
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~22 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Fresno · California · Serves Fresno County
Fresno-area credit union — community-focused member rates for qualified buyers and investor cash-flow properties.
- NMLS
- 402788
- Trust Score
- 92/100
- County Exp.
- 93/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Moreno Valley · California · Serves Riverside County
CrossCountry Inland Empire teams — experienced support for distribution and logistics job-driven relocation demand.
- NMLS
- 3029
- Trust Score
- 91/100
- County Exp.
- 92/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
National Guild lender with Central Valley branches — comprehensive financing for Clovis suburban buyers and coastal migrants.
- NMLS
- 3274
- Trust Score
- 91/100
- County Exp.
- 92/100
- Close est.*
- ~27 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Bakersfield · California · Serves Kern County
Silverton Bakersfield retail lending — professional service for agricultural heartland and affordability buyers.
- NMLS
- 1561
- Trust Score
- 91/100
- County Exp.
- 92/100
- Close est.*
- ~27 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Bakersfield · California · Serves Kern County
VA and remote relocation programs — tailored for veterans and tech remote workers in the Central Valley.
- NMLS
- 1907
- Trust Score
- 91/100
- County Exp.
- 92/100
- Close est.*
- ~30 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Bakersfield · California · Serves Kern County
California lender — localized knowledge of Central Valley investor and first-time buyer financing at half state median prices.
- NMLS
- 3089
- Trust Score
- 91/100
- County Exp.
- 92/100
- Close est.*
- ~25 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
Builder-affiliated lender — expertise in Riverside and Moreno Valley master-planned communities and logistics-boom housing.
- NMLS
- 1058
- Trust Score
- 90/100
- County Exp.
- 92/100
- Close est.*
- ~32 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Bakersfield · California · Serves Kern County
CrossCountry Bakersfield teams — experienced support for coastal California cost-of-living migration.
- NMLS
- 3029
- Trust Score
- 90/100
- County Exp.
- 91/100
- Close est.*
- ~28 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Jose · California · Serves Santa Clara County
Full-service bank mortgages for corporate relocation packages and high-value San Jose/Cupertino purchases.
- NMLS
- 399802
- Trust Score
- 89/100
- County Exp.
- 91/100
- Close est.*
- ~34 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
Builder-affiliated lender — expertise in Clovis master-planned communities and premium low-crime suburban layouts.
- NMLS
- 1058
- Trust Score
- 89/100
- County Exp.
- 91/100
- Close est.*
- ~31 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Los Angeles · California · Serves Los Angeles County
LA County jumbo specialist navigating California conforming limits and complex appraisals.
- NMLS
- 1984721
- Trust Score
- 88/100
- County Exp.
- 92/100
- Close est.*
- ~35 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Riverside · California · Serves Riverside County
Full-service bank mortgages convenient for SoCal job relocations and affordability migrants to Riverside County.
- NMLS
- 399802
- Trust Score
- 88/100
- County Exp.
- 90/100
- Close est.*
- ~33 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
Clovis · California · Serves Fresno County
Full-service bank mortgages convenient for Bay Area and LA relocators seeking Central Valley affordability.
- NMLS
- 399802
- Trust Score
- 87/100
- County Exp.
- 89/100
- Close est.*
- ~32 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
San Francisco · California · Serves San Francisco County
SF Bay Area jumbo lender experienced with RSU income and stock-option buyers.
- NMLS
- 1765432
- Trust Score
- 84/100
- County Exp.
- 91/100
- Close est.*
- ~40 days
*Editorial estimate — not an NMLS/CFPB field. Methodology
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NMLS verification tips, county lender comparisons, and free calculator access for California homebuyers.