Top 3 Mortgage Lenders in Stockton

As California's largest credit union, Golden 1 has served Stockton residents for decades with exceptional mortgage services. They consistently earn top ratings for their competitive rates, personalized service, and deep community commitment. Their local branch provides face-to-face guidance throughout the mortgage process, and they offer special programs for first-time homebuyers and competitive jumbo loans. Members praise their responsive loan officers and streamlined application process.

Guild Mortgage maintains a strong physical presence in Stockton with a dedicated local team that understands the Central Valley housing market. With over six decades of experience, they excel at guiding borrowers through complex scenarios including self-employed applicants and unique property types. Their extensive loan portfolio includes specialized programs like low down payment options and they're particularly noted for their exceptional VA loan expertise and customer service follow-through.

While headquartered in Southern California, New American Funding maintains a strong Stockton presence with local loan officers who understand the regional market dynamics. They're particularly praised for their diverse loan programs including special initiatives for minority homebuyers and flexible underwriting. Their bilingual services and extended hours accommodate working families, and they offer competitive rates with a reputation for closing loans quickly and efficiently.