Mortgage Lenders and Brokers in Chowchilla, 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
Chowchilla, California mortgage lenders include Tri Counties BankTri Counties Bank305 Trinity Ave, Chowchilla, CA 93610A+5.0 ★Texas Ratio: 5.34%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Noble Federal Credit UnionNoble Federal Credit Union175 N Clovis Ave, Clovis, CA 93612 0304A+5.0 ★Texas Ratio: 4.29%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, MERCO Credit UnionMERCO Credit Union1655 Bellevue Rd, Atwater, CA 95301 2608A+5.0 ★Texas Ratio: 5.33%, and Educational Employees Credit UnionEducational Employees Credit Union1660 Herndon Ave Ste 101, Clovis, CA 93611A+5.0 ★Texas Ratio: 0.58%. 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 Chowchilla, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chowchilla 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 Chowchilla, California
Market share is the lender's share of all home loans closed in Chowchilla, 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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1 office in Chowchilla 305 Trinity Ave, Chowchilla, CA 93610 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +19 HELOCs |
0.5% | 50% | $115,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 100% | $385,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
FHA | 2 | 0.9% | 100% | $415,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 50% | $305,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $355,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 1 | 0.5% | 33.3% | $155,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.5% | 100% | $475,000 | View |
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1655 Bellevue Rd, Atwater, CA 95301 2608 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Inspire Home Loans Inc.
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Conventional, FHA, VA | 33 | 15.4% | 88.1% | $383,787 | |
Kind Lending, LLC
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Conventional, FHA, VA | 28 | 13.1% | 63.6% | $292,142 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 10 | 4.7% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 9 | 4.2% | 100% | $255,000 | |
Alameda Mortgage Corporation
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Conventional, FHA | 4 | 1.9% | 80% | $442,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 1.4% | 66.7% | $271,666 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1.4% | 100% | $268,333 | |
Flexpoint, Inc.
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Conventional, FHA | 3 | 1.4% | 100% | $301,666 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, USDA | 2 | 0.9% | 100% | $315,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.9% | 66.7% | $380,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.5% | 100% | $305,000 | |
MortgageOne, Inc
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FHA | 1 | 0.5% | 100% | $275,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.5% | 100% | $305,000 | |
American Financial Network, Inc.
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VA | 1 | 0.5% | 100% | $315,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Ahl Funding
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FHA | 1 | 0.5% | 100% | $485,000 | |
Generations Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $305,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $285,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $335,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.5% | 50% | $115,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $365,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 27 +5 HELOCs |
12.6% | 75% | $357,222 | |
Rocket Mortgage
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Conventional, FHA | 13 | 6.1% | 82.4% | $225,000 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 12 | 5.6% | 92.3% | $341,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 2.3% | 100% | $369,000 | |
Altitude Financial Corporation
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FHA | 4 | 1.9% | 80% | $417,500 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +2 HELOCs |
1.4% | 66.7% | $58,333 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 3 | 1.4% | 100% | $375,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 3 | 1.4% | 100% | $565,000 | |
Freedom Mortgage Corporation
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VA | 2 | 0.9% | 50% | $440,000 | |
Newrez LLC
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Conventional | 2 | 0.9% | 50% | $65,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.9% | 100% | $250,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.9% | 50% | $285,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.9% | 100% | $440,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $355,000 | |
Arc Home LLC
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.5% | 50% | $415,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $375,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.5% | 100% | $415,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Lower, LLC
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VA | 1 | 0.5% | 100% | $415,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $575,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Valon Mortgage
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Chowchilla 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 Chowchilla, California
Looking for mortgage lenders near me or mortgage brokers near me in Chowchilla? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chowchilla in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chowchilla, CA
Use these to narrow the list above. Each category shows how many Chowchilla, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Chowchilla, CA
Independent mortgage companies closed 94.9 percent of home loans in Chowchilla, California in 2025, banks 3.3 percent and credit unions 1.9 percent. Change Lending was the largest mortgage company, Tri Counties Bank the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank led with 1 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 Chowchilla, CA
By home loans closed in 2025, Tri Counties Bank was the largest mortgage lender in Chowchilla, California with 1 loans, about 0.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Chowchilla, California in 2025, led by Inspire Home Loans Inc. with 23. 14 lenders closed VA loans, led by Leaderone Financial Corp., and 1 closed USDA rural loans. 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. 8 banks and 9 credit unions closed home loans in Chowchilla, California in 2025, alongside 50 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 Chowchilla, 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 Chowchilla, 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 Chowchilla. 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.
