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Mortgage Lenders and Brokers in French Valley, California

Content reviewed by

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

French Valley, California mortgage lenders include Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Frontwave Credit UnionFrontwave Credit Union995 Armory Rd, Barstow, CA 92311A+5.0 ★Texas Ratio: 5.74%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, and Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%. 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 French Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in French 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 French Valley, California

Market share is the lender's share of all home loans closed in French 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
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	50 +32 HELOCs	3.4%	94.3%	$269,000	View
US Bank, N.A. 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	40 +7 HELOCs	2.8%	76.8%	$960,250	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, VA, HELOC	13 +10 HELOCs	0.9%	72.2%	$217,307	View
JPMorgan Chase Bank, NA 14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	12 +3 HELOCs	0.8%	85.7%	$915,833	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	10	0.7%	85.7%	$555,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	8 +13 HELOCs	0.6%	90.9%	$153,750	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.6%	53.3%	$105,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	0.3%	83.3%	$581,000	View
Wells Fargo Bank NA 5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	4	0.3%	44.4%	$685,000	View
Bank of America NA 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +11 HELOCs	0.2%	75%	$665,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	3 +5 HELOCs	0.2%	100%	$308,333	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, VA, Jumbo	3	0.2%	75%	$675,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	3	0.2%	100%	$425,000	View
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	2 +6 HELOCs	0.1%	50%	$90,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, VA	2	0.1%	100%	$535,000
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	2	0.1%	100%	$145,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	2	0.1%	100%	$1,490,000	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%	$100,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$305,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$635,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$435,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$65,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$135,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$295,000	View
First City Credit Union 500 W Woodbury Rd, Altadena, CA 91001 5410 A+5.0 ★Texas Ratio: 2.03%	Conventional	1	0.1%	100%	$155,000	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional	1	0.1%	33.3%	$115,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$215,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0.1%	100%	$145,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$75,000	View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	Conventional	1	0.1%	100%	$175,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0.1%	100%	$655,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional	1	0.1%	100%	$415,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional	1	0.1%	100%	$75,000	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 +5 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +4 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
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	HELOC	0 +1 HELOCs	0%	n/a		View
Gain Federal Credit Union 1800 W Magnolia Blvd, Burbank, CA 91506 1726 A+5.0 ★Texas Ratio: 2.77%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	0%		View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	43	3%	81.1%	$454,069
loanDepot.com LLC	Conventional, FHA, VA, HELOC	39 +4 HELOCs	2.7%	90.7%	$407,820
New American Funding, LLC.	Conventional, VA, Jumbo, HELOC	17 +3 HELOCs	1.2%	94.4%	$516,764
Franklin Loan Corporation	Conventional, FHA, VA	17	1.2%	94.7%	$487,352
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	15	1%	100%	$587,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, VA, Jumbo	12	0.8%	100%	$1,050,000	View
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	11	0.8%	64.7%	$507,727
Residential Wholesale Mortgage	Conventional, FHA, VA, Jumbo	10	0.7%	100%	$465,000
Nmsi, Inc.	Conventional, Jumbo	8	0.6%	100%	$760,000
Guild Mortgage Company	Conventional, FHA	7	0.5%	100%	$445,000
Zillow Home Loans, LLC	Conventional, FHA	7	0.5%	100%	$597,857
Carrington Mortgage Services LLC	Conventional, FHA, VA	7	0.5%	50%	$539,285
AmWest Funding Corp	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.3%	100%	$635,000
Resicentral LLC	Conventional, FHA, VA, Jumbo	5	0.3%	100%	$585,000
American Financial Network, Inc.	Conventional, FHA, VA	5	0.3%	100%	$559,000
Stg Mortgage Inc	Conventional, FHA	5	0.3%	100%	$503,000
MortgageOne, Inc	Conventional, FHA, VA	4	0.3%	100%	$660,000
Golden Empire Mortgage, Inc.	Conventional, VA	4	0.3%	100%	$670,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	4	0.3%	57.1%	$795,000
Provident Funding Associates	Conventional	4	0.3%	100%	$570,000
Vista Point Mortgage, LLC	Conventional	4	0.3%	100%	$287,500
Southland Credit Uniom	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$461,666
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$418,333
Pacific Lending LLC	Conventional, VA	3	0.2%	100%	$471,666
Hometown Equity Mortgage, LLC	Conventional, FHA	3	0.2%	85.7%	$458,333
Citadel Servicing Corporation	Conventional	3	0.2%	100%	$628,333
ML Mortgage Corp.	Conventional, FHA	2	0.1%	100%	$385,000
Ahl Funding	Conventional, FHA, Jumbo	2	0.1%	100%	$1,040,000
JMJ Financial Group Inc.	Conventional, VA, Jumbo	2	0.1%	100%	$805,000
Ez Fundings Inc	FHA, VA, Jumbo	2	0.1%	100%	$740,000
Sierra Pacific Mortgage Co. Inc	Conventional, Jumbo	2	0.1%	100%	$1,055,000
American Pacific Mortgage Corporation	Conventional	2	0.1%	100%	$625,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	100%	$580,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	66.7%	$400,000
Cake Mortgage Corp.	Conventional	2	0.1%	100%	$455,000
JMAC Lending, Inc.	Conventional, FHA	2	0.1%	100%	$550,000
Goodleap, LLC	VA, HELOC	1 +3 HELOCs	0.1%	50%	$405,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$365,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$525,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$1,045,000
AdvantageFirst Lending Inc	VA	1	0.1%	100%	$565,000
Winprime Lending	FHA	1	0.1%	100%	$455,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$715,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$745,000
Network Capital Funding Corporation	VA	1	0.1%	50%	$545,000
Greenbox Loans	Conventional	1	0.1%	100%	$105,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
Loanleaders of America, Inc	FHA	1	0.1%	100%	$595,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$55,000	View
Generations Home Loans, LLC	Conventional	1	0.1%	100%	$695,000
Ardri LLC	Conventional	1	0.1%	100%	$215,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$715,000
Nexera Holding LLC	Conventional	1	0.1%	50%	$115,000
Figure Lending LLC	HELOC	0 +23 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +10 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	201 +22 HELOCs	13.9%	83.6%	$650,572
Rocket Mortgage	Conventional, FHA, VA, Jumbo	121	8.3%	76.7%	$440,619
Lennar Mortgage, LLC	Conventional, FHA, VA	112	7.7%	98.3%	$507,410
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	85	5.9%	89.5%	$552,764
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	59 +57 HELOCs	4.1%	66.7%	$274,491
Clm Mortgage, Inc	Conventional, FHA, VA	47	3.2%	98.1%	$480,957
Spring Eq, LLC	Conventional, HELOC	31 +14 HELOCs	2.1%	48.5%	$95,000
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	30 +9 HELOCs	2.1%	94.1%	$580,333
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	29	2%	91.4%	$599,482
Fairway Independent Mort Corp	Conventional, FHA, VA	27	1.9%	93.1%	$438,333
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	26 +6 HELOCs	1.8%	89.7%	$513,461
Newrez LLC	Conventional, VA, Jumbo	23	1.6%	67.6%	$561,086
Nationstar Mortgage	Conventional, FHA	15	1%	71.4%	$287,000
Amerisave Mortgage Company	Conventional, FHA, Jumbo	14	1%	60.9%	$237,142
Mortgage Research Center	VA, Jumbo	14	1%	60.9%	$682,142
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	13 +2 HELOCs	0.9%	92.9%	$567,307
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo	10	0.7%	100%	$619,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.6%	46.3%	$423,750
Village Capital & Investment	FHA, VA, Jumbo	7	0.5%	78.6%	$776,428
Loanunited.Com, LLC	Conventional, FHA, VA	6	0.4%	85.7%	$625,000
American Financial Resources LLC	Conventional, FHA, VA	4	0.3%	100%	$630,000
PHH Mortgage Corporation	Conventional, FHA, VA	4	0.3%	80%	$635,000
Discover Bank	Conventional	4	0.3%	17.4%	$127,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	4	0.3%	100%	$487,500	View
Mortgage Solutions of Colorado	VA	4	0.3%	100%	$620,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.2%	75%	$365,000	View
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	100%	$585,000
Deephaven Mortgage LLC	Conventional	3	0.2%	75%	$341,666
Ameritrust Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$555,000
Teachers Federal Credit Union	Conventional, Jumbo	3	0.2%	100%	$1,721,666
Nations Lending Corporation	VA	3	0.2%	100%	$785,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.2%	100%	$455,000	View
Champions Funding, LLC	Conventional, Jumbo	3	0.2%	100%	$621,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +4 HELOCs	0.1%	33.3%	$125,000	View
Better Mortgage Corporation	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$185,000
Originpoint, LLC	Conventional	2	0.1%	100%	$455,000
Guaranteed Rate Affinity, LLC	Conventional, VA	2	0.1%	100%	$620,000
Primelending	Conventional, FHA	2	0.1%	100%	$515,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$530,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$515,000
Planet Home Lending, LLC	Conventional, VA	2	0.1%	100%	$655,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	2	0.1%	100%	$175,000	View
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$475,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	2	0.1%	66.7%	$1,685,000	View
Ark-La-Tex Financial Services LLC	Conventional, VA, Jumbo	2	0.1%	100%	$590,000
Flyhomes Mortgage LLC	Conventional	2	0.1%	100%	$90,000
HomeBridge Financial Services, Inc	Conventional, Jumbo, HELOC	1 +10 HELOCs	0.1%	50%	$1,355,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,495,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$475,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$505,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$455,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$535,000
Sammamish Mortgage Company	Conventional	1	0.1%	100%	$485,000
Data Mortgage, Inc	FHA	1	0.1%	100%	$615,000
Nqm Funding, LLC	Conventional, Jumbo	1	0.1%	100%	$1,285,000
VanDyk Mortgage Corporation	VA, Jumbo	1	0.1%	100%	$965,000
American Financing Corporation	Conventional	1	0.1%	50%	$135,000
Union Home Mortgage Corp.	FHA	1	0.1%	100%	$645,000
Bay Equity LLC	Conventional	1	0.1%	100%	$625,000
Weichert Financial Services	Conventional	1	0.1%	100%	$565,000
Nfm, Inc	Conventional	1	0.1%	100%	$485,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$805,000	View
Castle & Cooke Mortgage, LLC	VA	1	0.1%	100%	$735,000
Village Bank & Trust, N.A. A+5.0 ★Texas Ratio: 1.60%	Conventional	1	0.1%	100%	$745,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$475,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$405,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$655,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$695,000	View
Genway Home Mortgage, Inc.	VA	1	0.1%	100%	$655,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$465,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$255,000
Nationwide Mortgage Bankers, Inc.	Conventional, Jumbo	1	0.1%	100%	$945,000
Lower, LLC	Conventional	1	0.1%	100%	$245,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$585,000	View
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$345,000
Tomo Mortgage LLC	FHA	1	0.1%	100%	$675,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +13 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +4 HELOCs	0%	0%
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Signature Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

French 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 French Valley, California

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

Types of Mortgage Lenders in French Valley, CA

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

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 32 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 38 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 48 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 53 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 43 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 88 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in French Valley, CA

Independent mortgage companies closed 81.9 percent of home loans in French Valley, California in 2025, banks 7.2 percent and credit unions 10.9 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, Schoolsfirst FCU led with 50 loans.

81.9%

Mortgage companies

7.2%

Banks

10.9%

Credit unions

12%

FHA loans

22%

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 French Valley, CA

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

By home loans closed in 2025, Schoolsfirst FCU was the largest mortgage lender in French Valley, California with 50 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in French Valley, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 98.3 percent, against a 81.3 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 French Valley, CA mortgage lenders offer FHA, VA and USDA loans?

48 lenders closed FHA loans in French Valley, California in 2025, led by Lennar Mortgage, LLC with 37. 53 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 French Valley, CA lender list?

Yes. 32 banks and 38 credit unions closed home loans in French Valley, California in 2025, alongside 119 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 French Valley, CA ranked on this page?

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