17 Best Mortgage Lenders in the Bay Area

Whether you are a novice in the home-buying process or a seasoned real estate investor, having a reliable Mortgage Lender is essential.

If you are in search of the Best Mortgage Lenders in the Bay Area, read on as we explore 17 top lenders in the Bay Area. 

There is truly no greater feeling than turning the key to your new home. Brokers in the Bay Area are here to guide you through that memorable experience.

Securing a mortgage is a huge step, and so is your choice of a mortgage lender. Mortgage Brokers in the Bay Area boast a reputable and long-standing track record. 

In the Bay Area, Mortgage Brokers with a strong and reputable track record can make all the difference in your mortgage goals. 

Read on and discover what sets these Mortgage lenders in the Bay Area apart and understand why choosing the right brokers is crucial for your financial journey.

Why Should I Choose a Mortgage Broker? 

Unlike a bank restricted to its product line, a mortgage broker provides access to a variety of loan options from different lenders, some of which might not be readily known to you.

Amidst the variety of mortgage choices, many homebuyers opt for a mortgage banker. This is because these professionals explore numerous lenders, both locally and nationwide, ensuring that clients have a range of choices for their loan requests.

List of Best Mortgage Lenders in the Bay Area

  • Mike Koran – Primary Residential Mortgage Inc
  • JVM Lending
  • Bridgepoint Funding, Inc.
  • Phillip Cannon | SVP of Mortgage Lending | Guaranteed Rate
  • o2 Mortgage
  • Jay Sondhi, U.S. Bank Home Mortgage
  • Julie Malta- Guarantee Mortgage 
  • California Mortgage Company, Inc.
  • Peter Barnes Team – CrossCountry Mortgage
  • Sergio Szyrko – Fairway Independent Mortgage Corp. 
  • 101 Loan and Rob McCarthy 
  • Reliance Financial 
  • Brady Thomas | LaSalle Mortgage  
  • Mortgage Dove
  • Bay Area Loan
  • Avenir Mortgage Planners
  • Monica Jones – CrossCountry Mortgage, Inc.

Mike Koran – Primary Residential Mortgage Inc

Mike Koran, a co-founder since 2008, has been dedicated to transforming the mortgage payments customer experience. 

Mike leverages his extensive background in management, sales, and operations to navigate even the most challenging situations. 

With a personal touch, he has assisted thousands of homeowners in successfully securing their residential mortgages.

Devoted to his career, Mike is licensed in California, Texas, and Nevada, reflecting his commitment to making a positive impact in the communities he serves.

Contact Details: 

  • Visit  the Website: http://mikekoran.com/
  • Phone: (510) 812-2815 / (510) 812-2815
  • Email: mkoran@primeres.com
  • Address: 1746 18th Street, San Francisco, CA 94107

JVM Lending

JVM Lending, founded in 2006 by mortgage industry veterans Jay Voorhees and Heejin Kim, is on a mission to revolutionize the mortgage lending model. 

To enhance service, responsiveness, and accountability, they have a highly skilled team of Mortgage Analysts and Closing Specialists. 

By setting high hiring standards and creating an extensive training program, JVM Lending ensures excellence in their team.

Offering a range of loan programs, including 30-year Fixed-Rate Mortgages, Jumbo Loans, VA Loans, FHA Loans, Adjustable-Rate Mortgages (ARMs), 15-year Fixed-Rate Mortgages, Investment Property Loans, Bridge Loans, and Non-QM Loans. 

JVM Lending is committed to providing outstanding service, low rates, and some of the fastest closing times in the industry. Their innovative approach sets them apart in the ever-evolving mortgage landscape.

Contact Details: 

  • Visit  the Website: https://www.jvmlending.com/
  • Phone: (855) 855-4491
  • Email: jvmteam@jvmlending.com

Bridgepoint Funding, Inc.

Bridgepoint Funding, Inc. is a California-based company specializing in residential mortgages, extending its services to borrowers and real estate agents across the entire state. 

They offer a diverse range of loan options, including FHA Home Loans, First-Time Home Buyer Programs, Fixed Rate Mortgages, Jumbo Home Loans, Low Down Payment Purchase Options, Reverse Mortgages, Rehab Loans, USDA Loans, and VA Home Loans.

Contact Details: 

  • Visit  the Website: https://www.bpfund.com/
  • Phone: (925) 478-8630
  • Email: mtrejo@bpfund.com
  • Address: 3478 Buskirk Avenue Suite 1000 Pleasant Hill, CA 94523

Phillip Cannon | SVP of Mortgage Lending | Guaranteed Rate

Phillip Cannon, of Mortgage Lending at Guaranteed Rate, is a skilled mortgage broker, dedicated to making the mortgage process easier for everyday lives. 

Known for his exceptional service and high success rates, Phillip has been the top-rated broker on Yelp since 2007 and a top producer in his field since 2010. 

He goes beyond expectations, helping clients rejected by big banks navigate alternative lending options or prepare for future applications.

Guaranteed Rate, founded twenty-two years ago, commits to remain steadfast in providing an outstanding customer experience, aiming to be a mortgage service customers enthusiastically recommend to family and friends.

Contact Details: 

  • Visit  the Website: https://people.rate.com/phillip-cannon-277929
  • Address: Located at 41 Freelon Street, San Francisco CA, 94107

o2 Mortgage

O2 Mortgage, a trusted source of Bay Area mortgage advice for over a decade, operates as a small residential finance company in Campbell, CA. 

Their belief in taking ownership extends to clients, partners, and themselves, fostering rapid growth while maintaining a small-company atmosphere. 

Encouraging employees to share and implement ideas, O2 Mortgage combines state-of-the-art technology, dedicated leadership, and industry expertise to create a culture of continuous innovation and growth.

Contact Details: 

  • Visit  the Website: https://www.o2mtg.com/
  • Phone: (408) 610-3210
  • Email: hello@o2mtg.com 
  • Address: 900 E Hamilton Avenue, Suite 100, Campbell, CA 95008

Jay Sondhi, U.S. Bank Home Mortgage 

Jay Sondhi, a mortgage loan officer based in Oakland, collaborates with individuals to identify the most suitable mortgage solutions for their unique situations. 

Operating under the umbrella of the esteemed U.S. Bank, Jay takes pride in ensuring that clients can trust him to prioritize their best interests throughout the mortgage process.

Contact Details: 

  • Visit  the Website: https://mortgage.usbank.com/jay-sondhi-oakland-ca
  • Phone: 510-731-2887
  • Email: jay.sondhi@usbank.com

Julie Malta- Guarantee Mortgage 

Julie Malta, associated with Guarantee Mortgage, has been assisting California families in financing their homes for over 20 years. 

Guarantee Mortgage, a trusted entity, funds over $2 billion in loans annually, aiming to support individuals in realizing their homeownership dreams. 

With a focus on providing exceptional customer service, quick loan processing, competitive rates, and a wide range of mortgage products, Guarantee Mortgage prioritizes helping clients make informed decisions throughout their mortgage journey. 

The variety of loan types, mortgage rates, reverse mortgages, and an educational learning center further showcase Guarantee Mortgage’s dedication to assisting California families with their real estate financing needs.

Contact Details: 

  • Visit  the Website: http://www.guaranteemortgage.com/
  • Phone: 4154415050
  • Email: info@guaranteemortgage.com

California Mortgage Company, Inc.

California Mortgage Company, Inc. is dedicated to meeting the specific needs of each customer by offering a diverse range of products, investment tools, mortgages, and personalized attention. 

The company’s expertise ensures lower mortgage costs for customers, as they actively shop among competitive lenders/investors. 

With a focus on delivering the highest quality mortgage services, their expert staff efficiently handles the entire transaction process, keeping customers informed at every step. 

Their experienced mortgage consultants possess comprehensive knowledge of standard conventional, VA, FHA, CalHFA, Reverse Mortgages, USDA loan programs, and innovative “Outside the Box” programs, allowing them to effectively meet the diverse mortgage needs of individual customers.

Contact Details: 

  • Visit  the Website: http://www.calmtgco.com/
  • Phone: (650) 873-2228
  • Email: info@calmtgco.com
  • Address: 1435 Huntington Ave #100 S SAN FRAN, California 94080

Peter Barnes Team – CrossCountry Mortgage

Founded in 2003, CrossCountry Mortgage has grown to become one of the nation’s top 10 retail mortgage lenders, serving customers across all 50 states with a clear, fast, and transparent mortgage experience.

The Peter Barnes Team at CrossCountry Mortgage is dedicated to providing a tailored home loan experience based on individual needs. 

Whether clients are first-time homebuyers or experienced homeowners, looking to invest or renovate, they offer a wide range of loan programs, including FHA, VA, conventional, and jumbo loans. 

The team’s specialties include purchase and refinance loans, aiming to simplify the mortgage process and offer a personalized experience.

CrossCountry Mortgage distinguishes itself by offering exceptional customer service and a diverse range of home financing products. Their extensive portfolio covers conventional, jumbo, government-insured programs, and more, ensuring a solution for every lifestyle and personal situation. 

Contact Details: 

  • Visit  the Website: https://ccm.com/Peter-Barnes
  • Phone: 510-647-5326
  • Email: peter.barnes@ccm.com
  • Address: 1385 Shattuck Ave, Suite B, Berkeley, CA 94709

Sergio Szyrko – Fairway Independent Mortgage Corp.

Sergio Szyrko, affiliated with Fairway Independent Mortgage Corp., commits to customer service. 

Acting as trusted mortgage advisors, their goal is to provide highly personalized service throughout the entire loan process, exceeding expectations. 

Sergio, with over two decades in real estate lending, has successfully assisted hundreds of families in achieving homeownership goals. 

With a passion for educating homebuyers about the loan process and securing the right financing options to fulfill their dreams. Sergio and his team focus on providing a high level of service and a memorable experience for each client. 

Through video updates, online loan comparisons, and competitive solutions, their process is tailored to meet the unique needs of every client.

They offer a range of loan products and options, including Physician Loans, Adjustable-Rate Mortgages, Conventional Loans, FHA Mortgages, Fixed-Rate Mortgages, Jumbo Mortgages, Refinance Loans, Renovation Loans, Reverse Mortgages, USDA Mortgages, and VA Mortgages.

Contact Details: 

  • Visit  the Website: http://www.homeloansbysergio.com/
  • Phone: 510-877-4270
  • Address: 2950 Merced Street, Suite 102, Office J, San Leandro, CA 94577

101 Loan and Rob McCarthy 

101 Loan, led by Rob McCarthy, is a seasoned specialist in Residential, Commercial, and Reverse Mortgage Financing in the Bay Area. 

With access to over 50 lenders, they prioritize finding the lowest rates and fees while tailoring financing solutions based on the client’s long-term goals and short-term needs. 

Boasting 30+ years of Bay Area lending expertise, they excel in securing timely offers and closures, contributing to client wealth by combining financial, tax, and estate knowledge. 

Whether it’s purchasing, refinancing, reverse mortgage or commercial financing, 101 Loan serves the entire Bay Area and the state of California.

Contact Details: 

  • Visit  the Website: https://101loan.com/
  • Phone: 408-377-4123
  • Email: rob@101loan.com
  • Address: 14435 C Big Basin Way, Saratoga, CA 95070

Reliance Financial 

Reliance Financial, based in Dublin, CA, stands as California Mortgage Brokers and Mortgage Lenders, committed to offering the most competitive mortgage rates. 

Since 2004, they have been delivering exceptional homebuyer and homeowner experiences, empowering individuals to achieve their family and financial goals in real estate. 

Despite facing the challenges of the financial crisis, Reliance Financial has remained customer-centric, providing personalized, five-star service. 

Their team of professionals understands the journey of turning dreams into reality, ensuring low rates and costs by comparing options from some of the best mortgage lenders in America. 

With licensed mortgage advisors offering customized guidance, Reliance Financial is dedicated to powering homeownership in America.

Contact Info: 

  • Visit the Website: https://reliancefinancial.com/
  • Phone: (510) 375-2929
  • Email: info@relfin.com
  • Address: 11501 Dublin Blvd STE #200, Dublin CA 94568

Brady Thomas | LaSalle Mortgage 

Brady Thomas, of LaSalle Mortgage, brings over 15 years of diverse experience in the Bay Area real estate industry. 

Having honed his proficiency in leveraging real estate for wealth creation and future planning, Brady spent over 6 years in commercial real estate sales and property management before transitioning to mortgage loan origination in 2010. 

He has expertise as an industrial real estate broker at Colliers International and is also Known for his expertise in social media and new marketing, he has a unique perspective on his professional mortgage journey.

Contact Info: 

  • Visit the Website: https://www.lasallemortgage.com/our-mortgage-advisors/brady-thomas/
  • Phone: (510) 501-0504 / (510) 339-4300
  • Email: Bthomas@lasallemortgage.com
  • Address: 4200 Broadway, Suite 2 Oakland, CA 94611

Mortgage Dove 

Mortgage Dove stands as a trusted American mortgage lender, providing a range of options from refinancing to purchasing a new house. 

Recognizing the challenges of building one’s future, they offer mortgage loans tailored to individual needs. Whether you’re looking to buy a house or refinance, Mortgage Dove offers diverse loan options to support each unique requirement.

Contact Info: 

  • Visit the Website: https://mortgagedove.com/
  • Phone: 800-605-3128
  • Email: service@mortgagedove.com

Bay Area Loan 

Bay Area Loan specializes in California loans, making clients’ significant investments their top priority. 

Whether you’re buying a home or refinancing a mortgage, they assure clients of personalized attention and a commitment to finding the best loan program for their needs. 

Their mortgage professionals treat clients with respect and offer guidance through the qualification, application, and approval process.

For those considering refinancing in today’s market, Bay Area Loan’s consultants simplify the process, managing paperwork requirements, and keeping you informed. 

They offer a variety of loans, including FHA loans, home refinance loans, VA loans, jumbo home loans, conventional loans, and home purchase loans. 

Bay Area Loan is committed to making the mortgage process easy and tailored to each unique situation.

Contact Info: 

  • Visit the Website: https://www.bayarealoan.com/
  • Phone: (408) 371-2172
  • Address: Bay Area Loan, 1401 Saint Francis Dr. San Jose, CA 95125

Avenir Mortgage Planners  

Avenir Mortgage Planners, composed of a team of passionate individuals, is dedicated to providing exceptional mortgages that positively impact people’s lives. 

Recognized as one of the top-rated mortgage companies in the San Francisco Bay Area, they have been assisting clients in purchasing and refinancing homes since 2002, combining expertise with integrity.

The Avenir Mortgage Planners team consists of well-educated and committed experts who share a common passion for helping others. 

Their unique process emphasizes faster and smoother loan closings, ensuring clients secure the lowest available interest rates. 

With a commitment to excellence, Avenir Mortgage Planners stands as a trusted partner in facilitating successful home purchases and refinancing experiences.

Contact Info: 

  • Visit the Website: http://www.avenirmp.com/
  • Phone: 925-627-2111
  • Address: 140 Mayhew Way, Suite 1000, Pleasant Hill, CA 94523

Monica Jones – CrossCountry Mortgage, Inc.

Monica Jones of CrossCountry Mortgage, Inc. takes a personalized approach to mortgages, starting with attentive listening to understand client’s goals and priorities. 

Whether you’re a first-time homebuyer, a long-time homeowner, or pursuing investment or renovation opportunities, Monica offers a wide range of loan programs tailored to your circumstances, including FHA, VA, conventional, and jumbo loans.

Emphasizing clear communication, Monica ensures that clients stay informed about the progress of their mortgage throughout the process. 

Specializing in purchase and refinance transactions, Monica Jones is dedicated to providing an outstanding home loan experience, whether you’re buying, refinancing, or renovating.

Contact Info: 

  • Visit the Website: http://www.mortgagesbymonica.com/
  • Phone: 925-263-9522
  • Email: monica@ccm.com
  • Address: 177 Military East, Benicia, CA 94510


Steering through the mortgage process, understanding loan options and terms, and managing the pressures of a swift closing are common challenges for homebuyers. 

The Mortgage Brokers in the Bay Area challenge this traditional approach in residential lending through innovation. 

With a commitment to communication and accessibility, their teams are dedicated to supporting clients at every stage of their financial journey. 

Whether you’re a first-time homebuyer, purchasing your dream home, refinancing an existing loan, or consolidating debt, these experienced mortgage brokers can help you take the first step toward a tailored financial solution. Check out the Top Loan Companies in Lufkin Texas and the 15 Best Loan Companies in Las Cruces.

Leave a Comment

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.