Mortgage Lenders and Brokers in Guadalupe, 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
Guadalupe, California mortgage lenders include Mechanics BankMechanics Bank905 Guadalupe St, Guadalupe, CA 93434A+5.0 ★Texas Ratio: 1.81%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%, CoastHills Credit UnionCoastHills Credit Union1580 W Branch St, Arroyo Grande, CA 93420 1819, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Kind Lending, LLCKind Lending, LLCIrvine, CA, loanDepot.com LLCloanDepot.com LLCIrvine, CA, Golden Empire Mortgage, Inc.Golden Empire Mortgage, Inc.Bakersfield, CA, Coastal Funding SLC, Inc.Coastal Funding SLC, Inc.San Luis Obispo, CA, and Residential Wholesale MortgageResidential Wholesale MortgageSan Diego, 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 Guadalupe, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Guadalupe 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 Guadalupe, California
Market share is the lender's share of all home loans closed in Guadalupe, 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 Guadalupe 905 Guadalupe St, Guadalupe, CA 93434 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 1.6% | 100% | $55,000 | View |
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1580 W Branch St, Arroyo Grande, CA 93420 1819 |
Conventional | 1 | 1.6% | 50% | $145,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
HELOC | 0 +2 HELOCs |
0% | 0% | 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 | |
Kind Lending, LLC
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Conventional, FHA | 7 | 11.1% | 77.8% | $320,714 | |
loanDepot.com LLC
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Conventional, FHA, VA | 7 | 11.1% | 100% | $377,857 | |
Golden Empire Mortgage, Inc.
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Conventional | 3 | 4.8% | 100% | $328,333 | |
Coastal Funding SLC, Inc.
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Conventional, FHA | 3 | 4.8% | 100% | $495,000 | |
Residential Wholesale Mortgage
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FHA | 2 | 3.2% | 100% | $625,000 | |
Guild Mortgage Company
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Conventional | 2 | 3.2% | 100% | $105,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 1.6% | 100% | $345,000 | |
Stg Mortgage Inc
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FHA | 1 | 1.6% | 100% | $495,000 | |
Provident Funding Associates
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Conventional | 1 | 1.6% | 100% | $255,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.6% | 100% | $575,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.6% | 100% | $525,000 | |
Nexera Holding LLC
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Conventional | 1 | 1.6% | 100% | $105,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 1.6% | 100% | $455,000 | |
JMAC Lending, Inc.
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FHA | 1 | 1.6% | 100% | $595,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 7 +3 HELOCs |
11.1% | 63.6% | $579,285 | |
Rocket Mortgage
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Conventional, FHA | 6 | 9.5% | 85.7% | $476,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 3 | 4.8% | 100% | $588,333 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 4.8% | 75% | $468,333 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 3.2% | 66.7% | $595,000 | |
CrossCountry Mortgage, LLC
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VA, HELOC | 1 +1 HELOCs |
1.6% | 100% | $675,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 1.6% | 100% | $245,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.6% | 100% | $475,000 | |
Movement Mortgage, LLC
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FHA | 1 | 1.6% | 100% | $605,000 | |
Intercap Lending Inc
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FHA | 1 | 1.6% | 100% | $455,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.6% | 50% | $55,000 | |
The Loan Store, Inc
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FHA | 1 | 1.6% | 100% | $535,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.6% | 100% | $765,000 | View |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Guadalupe 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 Guadalupe, California
Looking for mortgage lenders near me or mortgage brokers near me in Guadalupe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Guadalupe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Guadalupe, CA
Use these to narrow the list above. Each category shows how many Guadalupe, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Guadalupe, CA
Independent mortgage companies closed 88.9 percent of home loans in Guadalupe, California in 2025, banks 3.2 percent and credit unions 7.9 percent. Kind Lending, LLC was the largest mortgage company, Mechanics Bank the largest bank and San Francisco Fire Credit Union the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 0 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 Guadalupe, CA
By home loans closed in 2025, Mechanics Bank was the largest mortgage lender in Guadalupe, California with 0 loans, about 0 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Guadalupe, California in 2025, led by Kind Lending, LLC with 3. 6 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. 6 banks and 5 credit unions closed home loans in Guadalupe, 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 Guadalupe, 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 Guadalupe, 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 Guadalupe. 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.
