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Mortgage Lenders and Brokers in Apple Valley, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Apple Valley, California mortgage lenders include US Bank, N.A.US Bank, N.A.19201 Bear Valley Rd, Apple Valley, CA 92308A+5.0 ★Texas Ratio: 2.85%, Flagstar Bank NAFlagstar Bank NA16003 Quantico Rd, Apple Valley, CA 92307D3.3 ★Texas Ratio: 35.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA19311 Bear Valley Rd, Apple Valley, CA 92308A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA12121 Apple Valley Rd, Apple Valley, CA 92308A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA19095 Bear Valley Rd, Apple Valley, CA 92308A+5.0 ★Texas Ratio: 4.14%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Arrowhead Central Credit UnionArrowhead Central Credit Union23971 Lake Dr, Crestline, CA 92325A+5.0 ★Texas Ratio: 3.64%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Apple Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Apple Valley are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Apple Valley, California

Market share is the lender's share of all home loans closed in Apple Valley, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
US Bank, N.A. 2 offices in Apple Valley 19201 Bear Valley Rd, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	26 +16 HELOCs	1.5%	57.8%	$302,307	View
Flagstar Bank NA 1 office in Apple Valley 16003 Quantico Rd, Apple Valley, CA 92307 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, Jumbo, HELOC	26 +8 HELOCs	1.5%	84.8%	$334,230	View
JPMorgan Chase Bank, NA 1 office in Apple Valley 19311 Bear Valley Rd, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, HELOC	22 +6 HELOCs	1.3%	95.7%	$290,454	View
Wells Fargo Bank NA 1 office in Apple Valley 12121 Apple Valley Rd, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 5.36%	Conventional	10	0.6%	66.7%	$184,000	View
Bank of America NA 1 office in Apple Valley 19095 Bear Valley Rd, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +22 HELOCs	0.4%	87.5%	$300,714	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	55 +34 HELOCs	3.2%	84.8%	$154,454	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	16	0.9%	86.4%	$356,875	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional	10	0.6%	78.6%	$180,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA	8	0.5%	80%	$235,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	5	0.3%	100%	$343,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.3%	55.6%	$121,000	View
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	3	0.2%	100%	$385,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	3	0.2%	60%	$531,666	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	2	0.1%	100%	$290,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	2	0.1%	100%	$115,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	2	0.1%	50%	$295,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	2	0.1%	100%	$375,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA	2	0.1%	40%	$185,000	View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	Conventional	2	0.1%	100%	$50,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	2	0.1%	100%	$310,000	View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	Conventional	2	0.1%	100%	$65,000
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	2	0.1%	66.7%	$85,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional	2	0.1%	100%	$95,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$105,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$375,000	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$35,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$75,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$455,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0.1%	100%	$95,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	FHA	1	0.1%	100%	$375,000
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$325,000	View
Los Angeles Federal Credit Union 11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95%	Conventional	1	0.1%	100%	$115,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional	1	0.1%	100%	$45,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$335,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional	1	0.1%	100%	$315,000	View
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	Conventional	1	0.1%	100%	$85,000	View
San Joaquin Power Employees Credit Union 1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17%	Conventional	1	0.1%	100%	$255,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0.1%	100%	$115,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	25%	$395,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +3 HELOCs	0%	0%		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +1 HELOCs	0%	n/a		View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	HELOC	0 +1 HELOCs	0%	n/a		View
Alta Vista Credit Union 1425 W LUGONIA AVE, REDLANDS, CA 92374 A+5.0 ★Texas Ratio: 3.38%	HELOC	0 +1 HELOCs	0%	n/a		View
Paramount Residential Mortgage	Conventional, FHA, VA	94	5.5%	92.2%	$349,574
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	64	3.8%	98.8%	$382,031	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	54 +1 HELOCs	3.2%	76.7%	$298,148
ML Mortgage Corp.	Conventional, FHA, VA	50	2.9%	100%	$360,000
Pennymac Loan Services LLC	Conventional, FHA, VA	39	2.3%	74.1%	$267,307
Franklin Loan Corporation	Conventional, FHA, VA	30	1.8%	100%	$282,333
Royal Pacific Funding	Conventional, FHA, VA	28	1.6%	100%	$373,571
American Financial Network, Inc.	Conventional, FHA, VA	20	1.2%	87%	$406,000
Kind Lending, LLC	Conventional, FHA, VA	18	1.1%	72%	$343,333
New American Funding, LLC.	Conventional, FHA, VA	18	1.1%	78.3%	$273,333
Guild Mortgage Company	Conventional, FHA, VA	15	0.9%	100%	$279,000
Golden Empire Mortgage, Inc.	Conventional, FHA, VA	11	0.6%	100%	$401,363
Flexpoint, Inc.	Conventional, FHA	11	0.6%	100%	$269,545
Geo-Corp, Inc.	FHA	11	0.6%	91.7%	$484,090
Hometown Equity Mortgage, LLC	Conventional, FHA	10	0.6%	50%	$462,000
Nmsi, Inc.	Conventional, FHA	10	0.6%	100%	$393,000
Ahl Funding	Conventional, FHA, VA	9	0.5%	100%	$293,888
Ez Fundings Inc	Conventional, FHA	9	0.5%	100%	$367,222
AdvantageFirst Lending Inc	Conventional, FHA, VA	8	0.5%	66.7%	$353,750
American Pacific Mortgage Corporation	Conventional, FHA, VA	8	0.5%	88.9%	$407,500
AmeriHome Mortgage Company, LLC	Conventional, FHA	7	0.4%	87.5%	$385,000
Zillow Home Loans, LLC	Conventional, FHA	7	0.4%	100%	$482,142
Carrington Mortgage Services LLC	Conventional, FHA, VA	7	0.4%	38.1%	$326,428
Goodleap, LLC	Conventional, VA, HELOC	6 +4 HELOCs	0.4%	100%	$235,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	6	0.4%	100%	$475,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	5	0.3%	100%	$367,000
JMAC Lending, Inc.	Conventional, FHA	5	0.3%	100%	$397,000
Coast 2 Coast Funding Group, Inc	Conventional	4	0.2%	100%	$280,000
Stg Mortgage Inc	FHA	4	0.2%	100%	$460,000
Ony Glo, Inc.	Conventional, FHA	4	0.2%	100%	$172,500
AmWest Funding Corp	Conventional, FHA	3	0.2%	60%	$388,333
Hightechlending, Inc	Conventional, VA	3	0.2%	100%	$498,333
Intelliloan, Inc.	FHA	3	0.2%	75%	$315,000
Alameda Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$345,000
Resicentral LLC	Conventional	2	0.1%	100%	$265,000
Bay-Valley Mortgage Group	FHA	2	0.1%	100%	$210,000
Provident Funding Associates	Conventional	2	0.1%	100%	$315,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$175,000
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.1%	50%	$220,000
Cake Mortgage Corp.	Conventional	2	0.1%	100%	$245,000
Residential Wholesale Mortgage	FHA	1	0.1%	100%	$395,000
Augusta Financial, Inc.	FHA	1	0.1%	100%	$325,000
Mortgage Capital Partners, INC	Conventional	1	0.1%	100%	$565,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$275,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$505,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$385,000
Greenbox Loans	Conventional, Jumbo	1	0.1%	50%	$905,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$495,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$295,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$265,000
ClearEdge Lending LLC	Conventional	1	0.1%	50%	$475,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$575,000
Figure Lending LLC	HELOC	0 +18 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
Southland Credit Uniom	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	187 +8 HELOCs	11%	81.1%	$408,689
Rocket Mortgage	Conventional, FHA, VA	163	9.6%	83.6%	$275,368
Newrez LLC	Conventional, FHA, VA	35	2.1%	61.4%	$250,428
Planet Home Lending, LLC	Conventional, FHA, VA	32	1.9%	91.4%	$401,562
Mortgage Research Center	Conventional, VA	28	1.6%	74.4%	$407,857
Freedom Mortgage Corporation	Conventional, FHA, VA	26	1.5%	83.3%	$407,692
CrossCountry Mortgage, LLC	Conventional, FHA, VA	23	1.3%	82.8%	$362,826
Nationstar Mortgage	Conventional, FHA, VA	21	1.2%	77.8%	$194,523
Triad Financial Services, Inc.	Conventional	20	1.2%	81.4%	$110,500
Mortgage Solutions of Colorado	Conventional, FHA, VA	20	1.2%	96%	$353,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	18 +2 HELOCs	1.1%	100%	$223,888
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	15 +8 HELOCs	0.9%	57.7%	$247,666
Spring Eq, LLC	Conventional, HELOC	15 +6 HELOCs	0.9%	39.5%	$71,666
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA	13	0.8%	100%	$355,000	View
Amerisave Mortgage Company	Conventional, FHA	12	0.7%	34.3%	$109,166
21St Mortgage	Conventional	12	0.7%	36.1%	$96,666
Global Federal Credit Union	Conventional, VA, HELOC	11 +6 HELOCs	0.6%	84.6%	$190,454
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	11 +1 HELOCs	0.6%	100%	$304,090
Ameritrust Mortgage Corporation	Conventional, FHA, VA	11	0.6%	100%	$429,545
Credit Human Federal Credit Un	Conventional	9	0.5%	93.8%	$119,444
Union Home Mortgage Corp.	Conventional, FHA, VA	9	0.5%	100%	$452,777
Village Capital & Investment	FHA, VA	9	0.5%	81%	$440,555
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	8 +3 HELOCs	0.5%	72.7%	$367,500
Equity Prime Mortgage LLC	FHA, VA	8	0.5%	72.7%	$422,500
Genway Home Mortgage, Inc.	Conventional, FHA	8	0.5%	72.7%	$398,750
The Loan Store, Inc	Conventional, VA, HELOC	6 +5 HELOCs	0.4%	66.7%	$433,333
Discover Bank	Conventional	6	0.4%	42.9%	$73,333
Fairway Independent Mort Corp	Conventional, FHA, VA	6	0.4%	100%	$305,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	5	0.3%	40%	$239,000
Acrisure Mortgage, LLC	Conventional, FHA, VA	5	0.3%	100%	$397,000
American Financing Corporation	Conventional, FHA, VA	5	0.3%	71.4%	$339,000
K. Hovnanian American Mortgage	Conventional, FHA	5	0.3%	100%	$523,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	4 +2 HELOCs	0.2%	100%	$407,500	View
American Financial Resources LLC	FHA	4	0.2%	100%	$417,500
Primelending	Conventional, FHA	4	0.2%	80%	$215,000
Loanunited.Com, LLC	FHA, VA	4	0.2%	80%	$365,000
New Day Financial, LLC.	VA	4	0.2%	33.3%	$417,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	FHA	3	0.2%	100%	$348,333	View
Envoy Mortgage, Ltd	Conventional, FHA, VA	3	0.2%	100%	$258,333
All Credit Considered Mortgage, Inc.	Conventional	3	0.2%	100%	$411,666
Bay Equity LLC	Conventional, FHA	3	0.2%	100%	$265,000
First Colony Mortgage Corporat	Conventional	3	0.2%	100%	$328,333
Homeowners Financial Group, LLC	Conventional, FHA	3	0.2%	100%	$151,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.2%	42.9%	$428,333	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA, VA	3	0.2%	75%	$345,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$145,000	View
Panorama Mortgage Group, LLC	Conventional	2	0.1%	100%	$370,000
Gold Star Mortgage Financial Group, Corporation	FHA, VA	2	0.1%	100%	$400,000
Canopy Mortgage, LLC	Conventional	2	0.1%	100%	$335,000
Deephaven Mortgage LLC	Conventional	2	0.1%	28.6%	$160,000
Cardinal Financial Company, Li	FHA, VA	2	0.1%	100%	$460,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$465,000
Nations Direct Mortgage, LLC	Conventional	2	0.1%	100%	$360,000
Mutual of Omaha Mortgage	Conventional, FHA	2	0.1%	50%	$195,000
Veritas Funding, LLC	FHA	2	0.1%	100%	$295,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$335,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.1%	66.7%	$245,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.1%	100%	$245,000
Leaderone Financial Corp.	Conventional, FHA	2	0.1%	66.7%	$445,000
Champions Funding, LLC	Conventional	2	0.1%	66.7%	$330,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$525,000
Originpoint, LLC	FHA	1	0.1%	100%	$435,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$245,000
Nbkc Bank	VA	1	0.1%	100%	$645,000
Security Home Mortgage	Conventional	1	0.1%	100%	$275,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$395,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$105,000	View
Obsidian Financial Services	FHA	1	0.1%	100%	$325,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$485,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Justice Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$175,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$325,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$235,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$495,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$775,000	View
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional	1	0.1%	100%	$65,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$585,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$815,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$495,000
Ussfcu	Conventional	1	0.1%	100%	$145,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$455,000
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$485,000	View
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$305,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$305,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$465,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +15 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +6 HELOCs	0%	n/a
HomeStreet Bank	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Communityamerica Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Apple Valley Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Apple Valley, California

Looking for mortgage lenders near me or mortgage brokers near me in Apple Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Apple Valley in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Apple Valley, CA

Use these to narrow the list above. Each category shows how many Apple Valley, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 126 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 35 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 40 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 87 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 57 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 92 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Apple Valley, CA

Independent mortgage companies closed 83.8 percent of home loans in Apple Valley, California in 2025, banks 8.6 percent and credit unions 7.6 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 7 loans.

83.8%

Mortgage companies

8.6%

Banks

7.6%

Credit unions

32%

FHA loans

12%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Apple Valley, CA

Who is the largest mortgage lender in Apple Valley, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Apple Valley, California with 26 loans, about 1.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Apple Valley, CA have the highest approval rates?

Among lenders with meaningful volume in Apple Valley, California, ML Mortgage Corp. approved the highest share of completed applications in 2025 at 100 percent, against a 79.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Apple Valley, CA mortgage lenders offer FHA, VA and USDA loans?

87 lenders closed FHA loans in Apple Valley, California in 2025, led by United Wholesale Mortgage with 95. 57 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Apple Valley, CA lender list?

Yes. 35 banks and 40 credit unions closed home loans in Apple Valley, California in 2025, alongside 126 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Apple Valley, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Apple Valley, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Apple Valley, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Apple Valley. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.