Mortgage Lenders and Brokers in Garden Acres, 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
Garden Acres, California mortgage lenders include Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Uncle Credit UnionUncle Credit Union1809 HOLMES ST, LIVERMORE, CA 94550A+5.0 ★Texas Ratio: 5.51%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, and loanDepot.com LLCloanDepot.com LLCIrvine, CA. 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 Garden Acres, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden Acres 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 Garden Acres, California
Market share is the lender's share of all home loans closed in Garden Acres, 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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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 4 | 2.2% | 100% | $225,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 20% | $105,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, FHA, VA | 47 | 25.5% | 72.7% | $449,042 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA, VA | 38 | 20.7% | 73.1% | $480,789 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 4 | 2.2% | 100% | $282,500 | |
Kind Lending, LLC
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Conventional | 3 | 1.6% | 100% | $248,333 | |
Pennymac Loan Services LLC
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FHA | 3 | 1.6% | 100% | $358,333 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 1.6% | 100% | $415,000 | |
Financial Partners Credit Unio
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Conventional | 2 | 1.1% | 100% | $215,000 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $200,000 | |
Flexpoint, Inc.
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Conventional, FHA | 2 | 1.1% | 100% | $400,000 | |
Dignified Home Loans LLC
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Conventional, FHA | 2 | 1.1% | 100% | $210,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 1.1% | 100% | $320,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $165,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 1.1% | 100% | $370,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Home Mortgage Alliance Corp (Hmac)
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FHA | 1 | 0.5% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.5% | 50% | $295,000 | View |
Land Home Financial Services,
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FHA | 1 | 0.5% | 100% | $415,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.5% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, HELOC | 16 +1 HELOCs |
8.7% | 94.1% | $335,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 9 | 4.9% | 100% | $335,000 | |
Rocket Mortgage
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Conventional | 7 | 3.8% | 87.5% | $183,571 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 7 | 3.8% | 100% | $136,428 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 2.2% | 100% | $317,500 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 1.6% | 80% | $355,000 | |
Mutual of Omaha Mortgage
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FHA | 3 | 1.6% | 100% | $245,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 66.7% | $180,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $75,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 50% | $315,000 | |
Newrez LLC
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FHA | 1 | 0.5% | 66.7% | $475,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $355,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Encompass Lending Group, L.P.
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FHA | 1 | 0.5% | 100% | $285,000 | |
Self Help Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 50% | $105,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $365,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Alliant 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 |
Garden Acres 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 Garden Acres, California
Looking for mortgage lenders near me or mortgage brokers near me in Garden Acres? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden Acres in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden Acres, CA
Use these to narrow the list above. Each category shows how many Garden Acres, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Garden Acres, CA
Independent mortgage companies closed 97.3 percent of home loans in Garden Acres, California in 2025, banks 1.1 percent and credit unions 1.6 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Sun West Mortgage Company, Inc led with 4 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 Garden Acres, CA
By home loans closed in 2025, Sun West Mortgage Company, Inc was the largest mortgage lender in Garden Acres, California with 4 loans, about 2.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Garden Acres, California in 2025, led by Calcon Mutual Mortgage LLC with 36. 2 lenders closed VA loans, led by loanDepot.com 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. 5 banks and 7 credit unions closed home loans in Garden Acres, California in 2025, alongside 36 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 Garden Acres, 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 Garden Acres, 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 Garden Acres. 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.
