Top Mortgage Lenders in the Hidden Valley Lake, CA area

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, we provide a data driven ranking of mortgage lenders in the Hidden Valley Lake, CA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Hidden Valley Lake, CA area is Community First Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.17%. This means that Community First Credit Union provided a -0.17% lower interest rate for its customers than other lenders in Hidden Valley Lake, CA for a similar set of borrowers. Community First Credit Union has a market share of 3.1%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 18.4%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Hidden Valley Lake, CA is Community First Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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 Inc. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Community First Credit Union 1, -0.17% 3.06%
Guaranteed Rate Inc 2, -0.11% 5.03%
Redwood Credit Union 3, -0.07% 5.89%
Stearns Lending 4, -0.04% 16.73%
Sierra Pacific Mortgage 5, -0.02% 4.40%
Flagstar Bank 6, -0.01% 10.13%
LoanDepot 7, -0.01% 5.26%
Wells Fargo Bank 8, 0.00% 5.42%
Umpqua Bank 9, 0.02% 4.16%
Caliber Home Loans Inc 10, 0.03% 4.56%
Supreme Lending/ Everett Financial Inc 11, 0.04% 5.11%
Quicken Loans 12, 0.05% 18.38%
American Pacific Mortgage Corporation 13, 0.06% 5.03%
Finance of America Mortgage 14, 0.10% 6.83%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.13% 6.88%
Community First Credit Union 2, -0.07% 0.72%
Wells Fargo Bank 3, -0.06% 5.01%
Sierra Pacific Mortgage 4, -0.05% 5.30%
Stearns Lending 5, -0.04% 26.50%
Redwood Credit Union 6, -0.04% 4.87%
Umpqua Bank 7, 0.01% 4.15%
LoanDepot 8, 0.02% 3.15%
Flagstar Bank 9, 0.03% 10.74%
Quicken Loans 10, 0.05% 7.31%
Supreme Lending/ Everett Financial Inc 11, 0.05% 5.87%
Caliber Home Loans Inc 12, 0.07% 3.58%
American Pacific Mortgage Corporation 13, 0.08% 6.59%
Finance of America Mortgage 14, 0.11% 9.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Community First Credit Union 1, -0.18% 5.91%
Redwood Credit Union 2, -0.10% 7.13%
Flagstar Bank 3, -0.05% 9.39%
Guaranteed Rate Inc 4, -0.03% 2.78%
Stearns Lending 5, -0.03% 4.87%
LoanDepot 6, -0.02% 7.83%
Caliber Home Loans Inc 7, 0.01% 5.74%
American Pacific Mortgage Corporation 8, 0.02% 3.13%
Umpqua Bank 9, 0.03% 4.17%
Supreme Lending/ Everett Financial Inc 10, 0.03% 4.17%
Sierra Pacific Mortgage 11, 0.04% 3.30%
Quicken Loans 12, 0.05% 31.83%
Finance of America Mortgage 13, 0.06% 3.83%
Wells Fargo Bank 14, 0.07% 5.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Community First Credit Union 1, -0.16% 4.02%
Guaranteed Rate Inc 2, -0.13% 5.05%
Stearns Lending 3, -0.11% 12.36%
Redwood Credit Union 4, -0.07% 7.31%
LoanDepot 5, -0.01% 4.53%
Sierra Pacific Mortgage 6, -0.00% 4.74%
Flagstar Bank 7, 0.00% 10.30%
Wells Fargo Bank 8, 0.01% 6.28%
Umpqua Bank 9, 0.03% 4.43%
Caliber Home Loans Inc 10, 0.06% 4.74%
Quicken Loans 11, 0.06% 20.39%
Supreme Lending/ Everett Financial Inc 12, 0.06% 5.46%
American Pacific Mortgage Corporation 13, 0.10% 4.74%
Finance of America Mortgage 14, 0.13% 5.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.16% 7.69%
Stearns Lending 2, -0.12% 19.96%
Community First Credit Union 3, -0.06% 1.04%
Wells Fargo Bank 4, -0.05% 6.24%
Sierra Pacific Mortgage 5, -0.04% 5.61%
Redwood Credit Union 6, -0.03% 6.65%
LoanDepot 7, 0.01% 2.49%
Umpqua Bank 8, 0.02% 4.57%
Flagstar Bank 9, 0.06% 11.02%
Quicken Loans 10, 0.07% 8.94%
Supreme Lending/ Everett Financial Inc 11, 0.07% 6.86%
Caliber Home Loans Inc 12, 0.08% 4.99%
American Pacific Mortgage Corporation 13, 0.14% 6.24%
Finance of America Mortgage 14, 0.16% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Community First Credit Union 1, -0.18% 6.94%
Redwood Credit Union 2, -0.10% 7.96%
Flagstar Bank 3, -0.06% 9.59%
Guaranteed Rate Inc 4, -0.05% 2.45%
Stearns Lending 5, -0.03% 4.90%
LoanDepot 6, -0.02% 6.53%
American Pacific Mortgage Corporation 7, 0.02% 3.27%
Caliber Home Loans Inc 8, 0.03% 4.49%
Umpqua Bank 9, 0.04% 4.29%
Supreme Lending/ Everett Financial Inc 10, 0.04% 4.08%
Sierra Pacific Mortgage 11, 0.05% 3.88%
Quicken Loans 12, 0.05% 31.63%
Finance of America Mortgage 13, 0.07% 3.67%
Wells Fargo Bank 14, 0.08% 6.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Sierra Pacific Mortgage 1, -0.09% 4.59%
Flagstar Bank 2, -0.05% 11.47%
American Pacific Mortgage Corporation 3, -0.04% 6.88%
Supreme Lending/ Everett Financial Inc 4, -0.04% 3.67%
Umpqua Bank 5, -0.03% 2.29%
Quicken Loans 6, -0.03% 8.26%
Caliber Home Loans Inc 7, -0.02% 0.46%
Guaranteed Rate Inc 8, -0.02% 2.75%
LoanDepot 9, -0.00% 7.34%
Finance of America Mortgage 10, 0.03% 13.76%
Stearns Lending 11, 0.04% 38.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Sierra Pacific Mortgage 1, -0.09% 5.46%
Flagstar Bank 2, -0.05% 10.93%
American Pacific Mortgage Corporation 3, -0.05% 7.65%
Quicken Loans 4, -0.05% 3.83%
Supreme Lending/ Everett Financial Inc 5, -0.05% 3.28%
Umpqua Bank 6, -0.04% 2.19%
Guaranteed Rate Inc 7, -0.02% 3.28%
Finance of America Mortgage 8, 0.03% 14.21%
LoanDepot 9, 0.03% 4.92%
Stearns Lending 10, 0.03% 44.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.03% 14.29%
LoanDepot 2, -0.02% 20.00%
Supreme Lending/ Everett Financial Inc 3, -0.01% 5.71%
Caliber Home Loans Inc 4, -0.00% 2.86%
Quicken Loans 5, 0.01% 31.43%
Stearns Lending 6, 0.01% 8.57%
Umpqua Bank 7, 0.02% 2.86%
American Pacific Mortgage Corporation 8, 0.02% 2.86%
Finance of America Mortgage 9, 0.05% 11.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 40.00%
Redwood Credit Union 2, -0.00% 26.67%
Quicken Loans 3, 0.01% 13.33%
Flagstar Bank 4, 0.02% 6.67%
Supreme Lending/ Everett Financial Inc 5, 0.03% 13.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 50.00%
Redwood Credit Union 2, 0.01% 33.33%
Flagstar Bank 3, 0.03% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Redwood Credit Union 1, -0.01% 22.22%
Wells Fargo Bank 2, -0.01% 33.33%
Quicken Loans 3, -0.00% 22.22%
Supreme Lending/ Everett Financial Inc 4, 0.02% 22.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.04% 15.94%
Flagstar Bank 2, -0.03% 4.35%
LoanDepot 3, -0.03% 10.14%
Guaranteed Rate Inc 4, -0.02% 13.04%
Umpqua Bank 5, -0.01% 7.25%
Stearns Lending 6, -0.01% 13.04%
Wells Fargo Bank 7, -0.01% 2.90%
American Pacific Mortgage Corporation 8, -0.00% 4.35%
Finance of America Mortgage 9, 0.01% 2.90%
Supreme Lending/ Everett Financial Inc 10, 0.01% 2.90%
Quicken Loans 11, 0.07% 23.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.02% 17.86%
Flagstar Bank 2, -0.01% 3.57%
Quicken Loans 3, -0.01% 3.57%
Umpqua Bank 4, -0.00% 10.71%
Stearns Lending 5, 0.00% 28.57%
Wells Fargo Bank 6, 0.00% 7.14%
LoanDepot 7, 0.00% 3.57%
American Pacific Mortgage Corporation 8, 0.01% 7.14%
Caliber Home Loans Inc 9, 0.01% 3.57%
Finance of America Mortgage 10, 0.01% 7.14%
Supreme Lending/ Everett Financial Inc 11, 0.02% 7.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 24.39%
Flagstar Bank 2, -0.05% 4.88%
LoanDepot 3, -0.04% 14.63%
Stearns Lending 4, -0.02% 2.44%
Umpqua Bank 5, -0.02% 4.88%
American Pacific Mortgage Corporation 6, -0.01% 2.44%
Guaranteed Rate Inc 7, -0.01% 9.76%
Quicken Loans 8, 0.07% 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 for the data comes from 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 based on the MSA, 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.

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