Which mortgage lender in the Hidden Valley Lake, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Hidden Valley Lake, CA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Hidden Valley Lake, CA area in terms of interest rate is Community First Credit Union California, with an average “Rate Difference” of -0.17%. This means that, comparing similar borrowers, Community First Credit Union California provided a -0.17% lower interest rate for its customers than other lenders in the area. Community First Credit Union California has a market share of 3.1%. On the other hand, the most popular lender in the Hidden Valley Lake, CA area is Quicken Loans, with a larger market share of 18.1%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Hidden Valley Lake, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Hidden Valley Lake, CA is Community First Credit Union California. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Sierra Pacific Mortgage. The cheapest VA mortgage provider is Caliber Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Hidden Valley Lake, CA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Community First Credit Union California | -0.17% | 3.10% | |
| Guaranteed Rate | -0.11% | 5.09% | |
| Redwood Credit Union | -0.07% | 5.97% | |
| Stearns Home Loans | -0.04% | 16.87% | |
| Sierra Pacific Mortgage | -0.02% | 4.38% | |
| loanDepot | -0.01% | 5.33% | |
| Flagstar Bank | -0.00% | 10.26% | |
| Wells Fargo Bank | 0.00% | 5.49% | |
| Umpqua Bank | 0.02% | 4.14% | |
| Caliber Home Loans | 0.03% | 4.53% | |
| Supreme Lending | 0.05% | 4.93% | |
| Quicken Loans | 0.05% | 18.06% | |
| American Pacific Mortgage | 0.06% | 5.09% | |
| Finance of America Mortgage | 0.09% | 6.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.13% | 6.95% | |
| Community First Credit Union California | -0.07% | 0.72% | |
| Wells Fargo Bank | -0.06% | 5.07% | |
| Sierra Pacific Mortgage | -0.05% | 5.35% | |
| Stearns Home Loans | -0.04% | 26.63% | |
| Redwood Credit Union | -0.04% | 4.92% | |
| Umpqua Bank | 0.01% | 4.05% | |
| loanDepot | 0.02% | 3.18% | |
| Flagstar Bank | 0.03% | 10.85% | |
| Quicken Loans | 0.05% | 7.09% | |
| Supreme Lending | 0.05% | 5.79% | |
| Caliber Home Loans | 0.07% | 3.62% | |
| American Pacific Mortgage | 0.08% | 6.66% | |
| Finance of America Mortgage | 0.10% | 9.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Community First Credit Union California | -0.18% | 6.01% | |
| Redwood Credit Union | -0.10% | 7.24% | |
| Flagstar Bank | -0.05% | 9.54% | |
| Guaranteed Rate | -0.03% | 2.83% | |
| Stearns Home Loans | -0.03% | 4.95% | |
| loanDepot | -0.02% | 7.95% | |
| Caliber Home Loans | 0.01% | 5.65% | |
| American Pacific Mortgage | 0.02% | 3.18% | |
| Umpqua Bank | 0.03% | 4.24% | |
| Supreme Lending | 0.04% | 3.89% | |
| Quicken Loans | 0.05% | 31.45% | |
| Sierra Pacific Mortgage | 0.05% | 3.18% | |
| Finance of America Mortgage | 0.06% | 3.89% | |
| Wells Fargo Bank | 0.07% | 6.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Community First Credit Union California | -0.16% | 4.06% | |
| Guaranteed Rate | -0.13% | 5.10% | |
| Stearns Home Loans | -0.10% | 12.50% | |
| Redwood Credit Union | -0.07% | 7.40% | |
| loanDepot | -0.01% | 4.58% | |
| Sierra Pacific Mortgage | -0.00% | 4.69% | |
| Flagstar Bank | 0.01% | 10.42% | |
| Wells Fargo Bank | 0.01% | 6.35% | |
| Umpqua Bank | 0.03% | 4.48% | |
| Caliber Home Loans | 0.06% | 4.69% | |
| Quicken Loans | 0.06% | 20.10% | |
| Supreme Lending | 0.07% | 5.31% | |
| American Pacific Mortgage | 0.10% | 4.79% | |
| Finance of America Mortgage | 0.12% | 5.52% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.16% | 7.77% | |
| Stearns Home Loans | -0.12% | 20.17% | |
| Community First Credit Union California | -0.06% | 1.05% | |
| Wells Fargo Bank | -0.05% | 6.30% | |
| Sierra Pacific Mortgage | -0.04% | 5.67% | |
| Redwood Credit Union | -0.03% | 6.72% | |
| loanDepot | 0.01% | 2.52% | |
| Umpqua Bank | 0.03% | 4.62% | |
| Flagstar Bank | 0.06% | 11.13% | |
| Quicken Loans | 0.08% | 8.61% | |
| Supreme Lending | 0.08% | 6.72% | |
| Caliber Home Loans | 0.08% | 5.04% | |
| Finance of America Mortgage | 0.14% | 7.35% | |
| American Pacific Mortgage | 0.14% | 6.30% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Community First Credit Union California | -0.18% | 7.02% | |
| Redwood Credit Union | -0.10% | 8.06% | |
| Flagstar Bank | -0.05% | 9.71% | |
| Guaranteed Rate | -0.05% | 2.48% | |
| Stearns Home Loans | -0.03% | 4.96% | |
| loanDepot | -0.01% | 6.61% | |
| American Pacific Mortgage | 0.02% | 3.31% | |
| Caliber Home Loans | 0.03% | 4.34% | |
| Umpqua Bank | 0.04% | 4.34% | |
| Supreme Lending | 0.04% | 3.93% | |
| Quicken Loans | 0.05% | 31.40% | |
| Sierra Pacific Mortgage | 0.05% | 3.72% | |
| Finance of America Mortgage | 0.07% | 3.72% | |
| Wells Fargo Bank | 0.07% | 6.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Sierra Pacific Mortgage | -0.09% | 4.59% | |
| Flagstar Bank | -0.05% | 11.47% | |
| American Pacific Mortgage | -0.04% | 6.88% | |
| Supreme Lending | -0.04% | 3.67% | |
| Umpqua Bank | -0.03% | 2.29% | |
| Quicken Loans | -0.03% | 8.26% | |
| Caliber Home Loans | -0.02% | 0.46% | |
| Guaranteed Rate | -0.02% | 2.75% | |
| loanDepot | -0.00% | 7.34% | |
| Finance of America Mortgage | 0.03% | 13.76% | |
| Stearns Home Loans | 0.04% | 38.53% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Sierra Pacific Mortgage | -0.09% | 5.46% | |
| Flagstar Bank | -0.05% | 10.93% | |
| American Pacific Mortgage | -0.05% | 7.65% | |
| Quicken Loans | -0.05% | 3.83% | |
| Supreme Lending | -0.05% | 3.28% | |
| Umpqua Bank | -0.04% | 2.19% | |
| Guaranteed Rate | -0.02% | 3.28% | |
| Finance of America Mortgage | 0.03% | 14.21% | |
| loanDepot | 0.03% | 4.92% | |
| Stearns Home Loans | 0.03% | 44.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.03% | 14.29% | |
| loanDepot | -0.02% | 20.00% | |
| Supreme Lending | -0.01% | 5.71% | |
| Caliber Home Loans | -0.00% | 2.86% | |
| Quicken Loans | 0.01% | 31.43% | |
| Stearns Home Loans | 0.01% | 8.57% | |
| Umpqua Bank | 0.02% | 2.86% | |
| American Pacific Mortgage | 0.02% | 2.86% | |
| Finance of America Mortgage | 0.05% | 11.43% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 50.00% | |
| Redwood Credit Union | 0.00% | 33.33% | |
| Supreme Lending | 0.01% | 8.33% | |
| Flagstar Bank | 0.02% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 50.00% | |
| Redwood Credit Union | 0.01% | 33.33% | |
| Flagstar Bank | 0.03% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Redwood Credit Union | -0.01% | 33.33% | |
| Supreme Lending | 0.00% | 16.67% | |
| Wells Fargo Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.04% | 16.42% | |
| Flagstar Bank | -0.04% | 4.48% | |
| loanDepot | -0.03% | 10.45% | |
| Guaranteed Rate | -0.02% | 13.43% | |
| Umpqua Bank | -0.01% | 5.97% | |
| Wells Fargo Bank | -0.01% | 2.99% | |
| Stearns Home Loans | -0.01% | 11.94% | |
| American Pacific Mortgage | -0.00% | 4.48% | |
| Finance of America Mortgage | 0.00% | 2.99% | |
| Supreme Lending | 0.01% | 2.99% | |
| Quicken Loans | 0.07% | 23.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.02% | 19.23% | |
| Flagstar Bank | -0.01% | 3.85% | |
| Quicken Loans | -0.01% | 3.85% | |
| Umpqua Bank | -0.00% | 7.69% | |
| Wells Fargo Bank | 0.00% | 7.69% | |
| loanDepot | 0.00% | 3.85% | |
| Stearns Home Loans | 0.00% | 26.92% | |
| American Pacific Mortgage | 0.01% | 7.69% | |
| Caliber Home Loans | 0.01% | 3.85% | |
| Finance of America Mortgage | 0.01% | 7.69% | |
| Supreme Lending | 0.02% | 7.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.05% | 24.39% | |
| Flagstar Bank | -0.05% | 4.88% | |
| loanDepot | -0.04% | 14.63% | |
| Stearns Home Loans | -0.02% | 2.44% | |
| Umpqua Bank | -0.02% | 4.88% | |
| American Pacific Mortgage | -0.01% | 2.44% | |
| Guaranteed Rate | -0.01% | 9.76% | |
| Quicken Loans | 0.06% | 36.59% |
* Data is compiled for the Hidden Valley Lake, CA commuting zone area, which comprises of counties of Lake County, CA, and Mendocino County, CA. This includes cities/towns/communities of Hidden Valley Lake, CA as well as Ukiah, CA, Clearlake Riviera, CA, North Lakeport, CA, Clearlake, CA, Lucerne, CA, Brooktrails, CA, Fort Bragg, CA, Mendocino, CA, Redwood Valley, CA, Cobb, CA, Willits, CA, Kelseyville, CA, Nice, CA, Point Arena, CA, Talmage, CA, Cleone, CA, Calpella, CA, Little River, CA, Hopland, CA, Philo, CA, Laytonville, CA, Potter Valley, CA, and Covelo, CA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Hidden Valley Lake, CA area. For mortgage lender rankings in other cities, click here.