Mortgage Lenders and Brokers in Carmel Valley Village, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Carmel Valley Village, California mortgage lenders include Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941A+5.0 ★Texas Ratio: 5.44%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%. 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 Carmel Valley Village, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carmel Valley Village 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 Carmel Valley Village, California
Market share is the lender's share of all home loans closed in Carmel Valley Village, 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 |
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Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA, Jumbo | 5 | 7.4% | 100% | $843,000 | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
4.4% | 100% | $988,333 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
2.9% | 100% | $1,770,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
2.9% | 50% | $855,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
1.5% | 50% | $1,725,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.5% | 100% | $1,705,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,055,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 1.5% | 100% | $2,405,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,265,000 | View |
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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 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 2 | 2.9% | 66.7% | $675,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 2.9% | 100% | $1,180,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 1.5% | 100% | $1,245,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 1 | 1.5% | 50% | $1,055,000 | |
loanDepot.com LLC
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VA | 1 | 1.5% | 100% | $805,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 1 | 1.5% | 100% | $1,805,000 | |
Bay-Valley Mortgage Group
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Conventional, Jumbo | 1 | 1.5% | 100% | $1,205,000 | |
Calcon Mutual Mortgage LLC
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Conventional, Jumbo | 1 | 1.5% | 100% | $1,415,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 1.5% | 100% | $625,000 | |
Land Home Financial Services,
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Conventional, Jumbo | 1 | 1.5% | 100% | $2,005,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1.5% | 100% | $205,000 | View |
Franklin Loan Corporation
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Conventional | 1 | 1.5% | 100% | $605,000 | |
Nexera Holding LLC
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Conventional | 1 | 1.5% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 11 | 16.2% | 91.7% | $531,363 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 5 +2 HELOCs |
7.4% | 100% | $943,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 3 | 4.4% | 100% | $1,521,666 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 4.4% | 100% | $1,771,666 | View |
Newrez LLC
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Conventional | 2 | 2.9% | 100% | $500,000 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 2 | 2.9% | 75% | $1,495,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.5% | 100% | $315,000 | View |
Guaranteed Rate Affinity, LLC
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VA, Jumbo | 1 | 1.5% | 100% | $1,355,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.5% | 100% | $605,000 | View |
Envoy Mortgage, Ltd
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Conventional | 1 | 1.5% | 100% | $775,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 1.5% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,065,000 | View |
The Loan Store, Inc
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Conventional | 1 | 1.5% | 100% | $725,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.5% | 100% | $965,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.5% | 100% | $725,000 | |
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D2.1 ★Texas Ratio: 5.22% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,505,000 | View |
Quorum Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Carmel Valley Village Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Carmel Valley Village, California
Looking for mortgage lenders near me or mortgage brokers near me in Carmel Valley Village? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carmel Valley Village in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carmel Valley Village, CA
Use these to narrow the list above. Each category shows how many Carmel Valley Village, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Carmel Valley Village, CA
Independent mortgage companies closed 72.1 percent of home loans in Carmel Valley Village, California in 2025, banks 26.5 percent and credit unions 1.5 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and California Coast Credit Union the largest credit union. Among lenders headquartered in California, Synergy One Lending, Inc. led with 5 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
Frequently Asked Questions About Mortgage Lenders in Carmel Valley Village, CA
By home loans closed in 2025, Synergy One Lending, Inc. was the largest mortgage lender in Carmel Valley Village, California with 5 loans, about 7.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Carmel Valley Village, California in 2025, led by Synergy One Lending, Inc. with 1. 4 lenders closed VA loans, led by Pennymac Loan Services LLC. 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.
Yes. 13 banks and 7 credit unions closed home loans in Carmel Valley Village, California in 2025, alongside 27 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.
Lenders are ranked only by the number of home loans they closed in Carmel Valley Village, 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 Carmel Valley Village, 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 Carmel Valley Village. 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.
