{"id":23073,"date":"2026-01-27T20:45:07","date_gmt":"2026-01-27T20:45:07","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23073"},"modified":"2026-01-27T20:45:08","modified_gmt":"2026-01-27T20:45:08","slug":"best-mortgage-lenders-in-california-for-2025","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23073","title":{"rendered":"Best Mortgage Lenders In California For 2025"},"content":{"rendered":"
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\n Credit: Nate Hovee\/Getty Images; Illustration by Issiah Davis\/Bankrate\n <\/p>\n<\/p><\/div>\n

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California home prices are some of the highest in the country, with the median home price in December 2025 hitting $850,680, according to the California Association of Realtors. That means most buyers will need a mortgage to afford a home.<\/p>\n

Just like with homes, you need to shop around with several mortgage lenders to find the right loan. Comparing mortgage lenders in California could land you a lower rate than just going with the first lender you see. Here are some of the best lenders in the state.<\/p>\n

Best mortgage lenders in California<\/h2>\n
\n\n\n\n\n\n\n\n\n
Lender<\/th>\nCredit requirements<\/th>\nDown payment minimum<\/th>\nBankrate Score<\/th>\n<\/tr>\n<\/thead>\n
FourLeaf Federal Credit Union<\/strong><\/td>\n580 for conventional loans, 500 for FHA loans<\/td>\n3% for conventional loans, 3.5% for FHA loans<\/td>\n4.9<\/td>\n<\/tr>\n
Chase<\/strong><\/td>\n620 for conventional loans, 680 for jumbo loans, 640 for FHA loans and VA loans<\/td>\n3% for conventional loans, 3.5% for FHA loans, none for VA loans<\/td>\n4.9<\/td>\n<\/tr>\n
Tomo<\/strong><\/td>\n580 for conventional loans<\/td>\n3% for conventional loans, 3.5% for FHA loans, none for VA loans<\/td>\n4.9<\/td>\n<\/tr>\n
Veterans United Home Loans<\/strong><\/td>\n620 for conventional loans, 620 for VA loans<\/td>\n3% for conventional loans, 3.5% for FHA loans, none for VA and USDA loans<\/td>\n4.8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
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