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Mortgage Lenders and Brokers in Eastern Goleta Valley, California

Content reviewed by

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

Eastern Goleta Valley, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Orange County'S FCUOrange County'S FCU2390 E Orangewood Ave Ste 106, Anaheim, CA 92806A+5.0 ★Texas Ratio: 4.43%, Montecito Bank and TrustMontecito Bank and Trust770 Paseo Camarillo, Camarillo, CA 93010A+5.0 ★Texas Ratio: 1.23%, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation9201 Camino Media Suite 100, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 4.14%, Keypoint Credit UnionKeypoint Credit Union10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611A+5.0 ★Texas Ratio: 3.00%, and MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%. 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 Eastern Goleta Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Eastern Goleta 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 Eastern Goleta Valley, California

Market share is the lender's share of all home loans closed in Eastern Goleta 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. 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	10 +9 HELOCs	3.5%	66.7%	$928,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	9	3.1%	90%	$1,865,000	View
Wells Fargo Bank NA 5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	8	2.8%	80%	$2,786,250	View
Bank of America NA 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +12 HELOCs	2.4%	70%	$1,727,857	View
JPMorgan Chase Bank, NA 14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	7 +1 HELOCs	2.4%	70%	$2,083,571	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, Jumbo	6	2.1%	100%	$796,666	View
Montecito Bank and Trust 770 Paseo Camarillo, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 1.23%	Conventional, Jumbo	6	2.1%	100%	$771,666	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	5	1.7%	100%	$339,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, Jumbo, HELOC	4 +7 HELOCs	1.4%	100%	$862,500	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	4	1.4%	100%	$4,435,000	View
Santa Barbara Teachers Federal Credit Union 1307B N H St, Lompoc, CA 93436 3312 A+5.0 ★Texas Ratio: 0.02%	Conventional	4	1.4%	100%	$167,500	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	4	1.4%	100%	$1,832,500	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	3 +6 HELOCs	1%	100%	$721,666	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	2 +9 HELOCs	0.7%	66.7%	$1,170,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.7%	100%	$145,000	View
Matadors Community Credit Union 20045 Prairie St, Chatsworth, CA 91311 A+5.0 ★Texas Ratio: 2.17%	Conventional, Jumbo	1	0.3%	100%	$1,265,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0.3%	100%	$255,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.3%	100%	$855,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	1	0.3%	100%	$2,755,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.3%	100%	$555,000	View
American Riviera Bank 7035 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.04%	Conventional, Jumbo	1	0.3%	100%	$1,495,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.3%	50%	$4,875,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0.3%	25%	$685,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo	1	0.3%	100%	$1,175,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.3%	100%	$1,505,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +7 HELOCs	0%	n/a		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 +2 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	HELOC	0 +1 HELOCs	0%	n/a		View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, Jumbo, HELOC	6 +3 HELOCs	2.1%	75%	$753,333
ClearEdge Lending LLC	Conventional, Jumbo	6	2.1%	100%	$2,088,333
Pennymac Loan Services LLC	Conventional, Jumbo	5	1.7%	83.3%	$965,000
Nexera Holding LLC	Conventional, Jumbo	3	1%	100%	$1,531,666
Kind Lending, LLC	Conventional, Jumbo	2	0.7%	100%	$950,000
Mortgage Capital Partners, INC	Conventional	2	0.7%	100%	$590,000
Greenbox Loans	Conventional, Jumbo	2	0.7%	100%	$1,780,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.7%	100%	$815,000
New American Funding, LLC.	Conventional	2	0.7%	100%	$610,000
JMAC Lending, Inc.	Conventional, Jumbo	2	0.7%	100%	$1,385,000
Watermark Capital, Inc.	Conventional	1	0.3%	100%	$695,000
AAA Capital Investment, Inc	Conventional	1	0.3%	100%	$805,000
Augusta Financial, Inc.	Conventional, Jumbo	1	0.3%	100%	$925,000
Guild Mortgage Company	Conventional	1	0.3%	100%	$105,000
AdvantageFirst Lending Inc	VA	1	0.3%	100%	$715,000
Bay-Valley Mortgage Group	Conventional	1	0.3%	100%	$755,000
Land Home Financial Services,	Conventional	1	0.3%	100%	$785,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.3%	100%	$725,000	View
Paramount Residential Mortgage	Conventional	1	0.3%	100%	$705,000
Marquee Capital Fund 1, LLC.	Conventional	1	0.3%	100%	$205,000
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	18 +1 HELOCs	6.3%	100%	$1,030,555
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	15 +1 HELOCs	5.2%	100%	$1,365,000	View
Originpoint, LLC	Conventional, Jumbo	15	5.2%	100%	$1,176,333
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	14 +3 HELOCs	4.9%	82.4%	$1,145,714
Prosperity Home Mortgage, LLC	Conventional, Jumbo	11	3.8%	91.7%	$951,363
Rocket Mortgage	Conventional, Jumbo	10	3.5%	76.9%	$444,000
CrossCountry Mortgage, LLC	Conventional, Jumbo	9	3.1%	100%	$1,112,777
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	7 +1 HELOCs	2.4%	87.5%	$1,239,285	View
Movement Mortgage, LLC	Conventional, VA, Jumbo	7	2.4%	100%	$1,012,142
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo	7	2.4%	100%	$889,285	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	1.7%	100%	$1,953,000	View
Spring Eq, LLC	Conventional, Jumbo	5	1.7%	55.6%	$201,000
Newrez LLC	Conventional, Jumbo	3	1%	50%	$1,365,000
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	2	0.7%	100%	$1,295,000
Credit Human Federal Credit Un	Conventional	2	0.7%	100%	$355,000
Planet Home Lending, LLC	VA, Jumbo	2	0.7%	100%	$1,235,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.7%	100%	$6,405,000	View
First Technology Federal Credit Union	Conventional, Jumbo	2	0.7%	100%	$6,600,000
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +5 HELOCs	0.3%	100%	$2,005,000
American Airlines Federal Cred	Conventional, Jumbo	1	0.3%	100%	$1,875,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.3%	100%	$11,045,000	View
Primelending	Conventional	1	0.3%	100%	$425,000
Deephaven Mortgage LLC	Conventional	1	0.3%	50%	$385,000
Oaktree Funding Corp	Conventional, Jumbo	1	0.3%	100%	$755,000
Emporium Tpo LLC	Conventional	1	0.3%	100%	$415,000
Das Acquisition Company, LLC	Conventional, Jumbo	1	0.3%	100%	$2,005,000
Union Home Mortgage Corp.	Conventional	1	0.3%	100%	$905,000
First Colony Mortgage Corporat	Conventional	1	0.3%	100%	$395,000
Teachers Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$2,705,000
Nasa Federal Credit Union	Conventional	1	0.3%	100%	$65,000
The Loan Store, Inc	Conventional, Jumbo	1	0.3%	50%	$955,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.3%	100%	$725,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional	1	0.3%	33.3%	$415,000
21St Mortgage	Conventional	1	0.3%	100%	$245,000
Leaderone Financial Corp.	Conventional, Jumbo	1	0.3%	100%	$1,355,000
Champions Funding, LLC	Conventional, Jumbo	1	0.3%	100%	$1,025,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +10 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +4 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
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.

Eastern Goleta 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 Eastern Goleta Valley, California

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

Types of Mortgage Lenders in Eastern Goleta Valley, CA

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

Mortgage companies and brokers 46 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 31 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 4 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 52 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 45 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Eastern Goleta Valley, CA

Independent mortgage companies closed 57.1 percent of home loans in Eastern Goleta Valley, California in 2025, banks 32.4 percent and credit unions 10.5 percent. loanDepot.com LLC was the largest mortgage company, US Bank, N.A. the largest bank and Orange County'S FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 7 loans.

57.1%

Mortgage companies

32.4%

Banks

10.5%

Credit unions

FHA loans

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 Eastern Goleta Valley, CA

Who is the largest mortgage lender in Eastern Goleta Valley, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Eastern Goleta Valley, California with 10 loans, about 3.5 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.

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

Yes. 31 banks and 25 credit unions closed home loans in Eastern Goleta Valley, California in 2025, alongside 46 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 Eastern Goleta Valley, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Eastern Goleta 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 Eastern Goleta 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 Eastern Goleta 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.