☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Hesperia

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Hesperia, California

Content reviewed by

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

Hesperia, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA12731 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 3.68%, Flagstar Bank NAFlagstar Bank NA15479 Main St, Hesperia, CA 92345D3.3 ★Texas Ratio: 35.11%, US Bank, N.A.US Bank, N.A.16832 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA17291 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA17442 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 5.36%, Mechanics BankMechanics Bank17123 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 1.81%, Schoolsfirst FCUSchoolsfirst FCU16904 Main St, Hesperia, CA 92345A+5.0 ★Texas Ratio: 5.56%, Arrowhead Central Credit UnionArrowhead Central Credit Union23971 Lake Dr, Crestline, CA 92325A+5.0 ★Texas Ratio: 3.64%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, and Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%. 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 Hesperia, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hesperia 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 Hesperia, California

Market share is the lender's share of all home loans closed in Hesperia, 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
JPMorgan Chase Bank, NA 2 offices in Hesperia 12731 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	18 +2 HELOCs	1.1%	85.7%	$253,888	View
Flagstar Bank NA 1 office in Hesperia 15479 Main St, Hesperia, CA 92345 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	14 +4 HELOCs	0.9%	73.7%	$262,142	View
US Bank, N.A. 2 offices in Hesperia 16832 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	13 +11 HELOCs	0.8%	34.2%	$168,076	View
Bank of America NA 1 office in Hesperia 17291 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 4.14%	FHA, HELOC	2 +16 HELOCs	0.1%	100%	$460,000	View
Wells Fargo Bank NA 1 office in Hesperia 17442 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.1%	40%	$255,000	View
Mechanics Bank 1 office in Hesperia 17123 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +2 HELOCs	0%	n/a		View
Schoolsfirst FCU 16904 Main St, Hesperia, CA 92345 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	41 +32 HELOCs	2.5%	84%	$160,853	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional, HELOC	14 +2 HELOCs	0.9%	53.8%	$128,571	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, HELOC	10 +2 HELOCs	0.6%	100%	$247,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	7	0.4%	75%	$386,428	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	6	0.4%	100%	$463,333	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.3%	83.3%	$153,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	100%	$361,666	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	3	0.2%	100%	$535,000	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$250,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional	2	0.1%	100%	$310,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional	2	0.1%	100%	$270,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	2	0.1%	50%	$100,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional	2	0.1%	100%	$300,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$385,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$105,000	View
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	FHA	1	0.1%	100%	$335,000	View
Los Angeles Federal Credit Union 11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95%	Conventional	1	0.1%	100%	$55,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0.1%	100%	$515,000	View
Alta Vista Credit Union 1425 W LUGONIA AVE, REDLANDS, CA 92374 A+5.0 ★Texas Ratio: 3.38%	Conventional	1	0.1%	100%	$805,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	FHA	1	0.1%	100%	$445,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$345,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +2 HELOCs	0%	n/a		View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	0%		View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	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
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		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 +1 HELOCs	0%	n/a		View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, HELOC	121 +1 HELOCs	7.4%	98.8%	$387,892	View
Paramount Residential Mortgage	Conventional, FHA, VA	57	3.5%	100%	$338,157
ML Mortgage Corp.	Conventional, FHA, VA	45	2.8%	100%	$349,888
loanDepot.com LLC	Conventional, FHA, VA, HELOC	27 +2 HELOCs	1.7%	84.4%	$317,962
Pennymac Loan Services LLC	Conventional, FHA, VA	25	1.5%	60.5%	$319,800
Geo-Corp, Inc.	FHA	24	1.5%	100%	$477,500
American Financial Network, Inc.	Conventional, FHA, VA	20	1.2%	80%	$367,500
Royal Pacific Funding	Conventional, FHA	16	1%	95%	$296,875
Golden Empire Mortgage, Inc.	Conventional, FHA	15	0.9%	88.9%	$373,000
Kind Lending, LLC	Conventional, FHA, VA, HELOC	14 +1 HELOCs	0.9%	73.7%	$352,857
Ahl Funding	Conventional, FHA	14	0.9%	100%	$389,285
Franklin Loan Corporation	Conventional, FHA, VA	12	0.7%	100%	$290,833
New American Funding, LLC.	Conventional, FHA, HELOC	11 +4 HELOCs	0.7%	68.8%	$264,090
Nmsi, Inc.	Conventional, FHA	9	0.6%	100%	$390,555
Goodleap, LLC	Conventional, FHA, HELOC	8 +3 HELOCs	0.5%	100%	$222,500
AmWest Funding Corp	Conventional, FHA, HELOC	8 +2 HELOCs	0.5%	100%	$342,500
Carrington Mortgage Services LLC	Conventional, FHA, VA	8	0.5%	47.6%	$350,000
Ez Fundings Inc	Conventional, FHA	7	0.4%	100%	$419,285
Flexpoint, Inc.	Conventional, FHA	7	0.4%	100%	$307,857
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	7	0.4%	100%	$502,142
JMAC Lending, Inc.	Conventional, FHA	7	0.4%	100%	$430,714
Bay-Valley Mortgage Group	Conventional, FHA, VA	6	0.4%	100%	$450,000
Stg Mortgage Inc	Conventional, FHA	5	0.3%	85.7%	$375,000
Hometown Equity Mortgage, LLC	Conventional, FHA	5	0.3%	38.5%	$301,000
Zillow Home Loans, LLC	Conventional, FHA, VA	5	0.3%	100%	$393,000
Resicentral LLC	Conventional, FHA	4	0.2%	100%	$395,000
Guild Mortgage Company	Conventional	4	0.2%	100%	$200,000
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.2%	44.4%	$315,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.2%	75%	$351,666
New Wave Lending Group Inc	Conventional	3	0.2%	100%	$431,666
Cake Mortgage Corp.	Conventional	3	0.2%	100%	$391,666
Residential Wholesale Mortgage	Conventional, FHA	2	0.1%	100%	$450,000
MortgageOne, Inc	FHA, VA	2	0.1%	100%	$430,000
Mortgage Capital Partners, INC	Conventional, FHA	2	0.1%	100%	$505,000
AdvantageFirst Lending Inc	FHA	2	0.1%	50%	$465,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	50%	$335,000
Winprime Lending	FHA	2	0.1%	100%	$385,000
Intelliloan, Inc.	FHA	2	0.1%	75%	$415,000
American Pacific Mortgage Corporation	FHA	2	0.1%	100%	$495,000
Ardri LLC	Conventional	2	0.1%	100%	$405,000
Vista Point Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$570,000
Mission Loans, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$135,000
Pacific Lending LLC	FHA	1	0.1%	100%	$475,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$305,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	50%	$595,000
JMJ Financial Group Inc.	FHA	1	0.1%	50%	$445,000
Network Capital Funding Corporation	Conventional	1	0.1%	33.3%	$305,000
Campos Financial Corp	Conventional	1	0.1%	100%	$115,000
Land Home Financial Services,	FHA	1	0.1%	100%	$475,000
Ony Glo, Inc.	FHA	1	0.1%	20%	$215,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$605,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$65,000	View
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$245,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$465,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$425,000
Arcstone Financial Inc	FHA	1	0.1%	100%	$645,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Southland Credit Uniom	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	184 +16 HELOCs	11.3%	80.4%	$416,956
Rocket Mortgage	Conventional, FHA, VA	139	8.5%	76.1%	$274,712
Lennar Mortgage, LLC	Conventional, FHA, VA	124	7.6%	90.5%	$458,225
Homeamerican Mortgage Corporation	Conventional, FHA, VA	55	3.4%	90.3%	$507,727
K. Hovnanian American Mortgage	Conventional, FHA, VA	38	2.3%	92.7%	$491,578
Clm Mortgage, Inc	Conventional, FHA, VA	26	1.6%	100%	$498,076
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	24 +1 HELOCs	1.5%	89.7%	$362,500
Freedom Mortgage Corporation	Conventional, FHA, VA	23	1.4%	80%	$380,652
Nationstar Mortgage	Conventional, FHA	19	1.2%	80.8%	$185,000
Movement Mortgage, LLC	Conventional, FHA, HELOC	17 +1 HELOCs	1%	94.4%	$275,588
Spring Eq, LLC	Conventional, HELOC	16 +6 HELOCs	1%	40.5%	$78,125
Planet Home Lending, LLC	Conventional, FHA, VA	16	1%	80%	$400,625
Newrez LLC	Conventional, FHA, VA	15	0.9%	51.7%	$309,666
Mortgage Solutions of Colorado	Conventional, FHA, VA	15	0.9%	100%	$435,666
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	14 +1 HELOCs	0.9%	93.3%	$297,142
Village Capital & Investment	FHA, VA	14	0.9%	82.4%	$519,285
Ameritrust Mortgage Corporation	Conventional, FHA	13	0.8%	100%	$329,615
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	12 +8 HELOCs	0.7%	54.5%	$247,500
Mortgage Research Center	Conventional, VA	11	0.7%	55%	$479,545
Equity Prime Mortgage LLC	Conventional, FHA, VA	10	0.6%	66.7%	$300,000
Genway Home Mortgage, Inc.	Conventional, FHA	9	0.6%	60%	$372,777
Ark-La-Tex Financial Services LLC	Conventional, FHA	9	0.6%	100%	$332,777
The Loan Store, Inc	Conventional, FHA, HELOC	8 +9 HELOCs	0.5%	100%	$415,000
PHH Mortgage Corporation	Conventional, FHA, VA	8	0.5%	100%	$383,750
Champions Funding, LLC	Conventional	8	0.5%	88.9%	$327,500
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	7 +7 HELOCs	0.4%	70%	$409,285
Amerisave Mortgage Company	Conventional	7	0.4%	24.1%	$155,000
Global Federal Credit Union	Conventional, HELOC	6 +2 HELOCs	0.4%	63.6%	$181,666
Lakeview Loan Servicing, LLC	Conventional, FHA	6	0.4%	32.4%	$315,000
Click n' Close, Inc.	Conventional, FHA	5	0.3%	100%	$269,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA, HELOC	4 +1 HELOCs	0.2%	88.9%	$242,500	View
Acrisure Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$372,500
Fairway Independent Mort Corp	Conventional, FHA	4	0.2%	100%	$315,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$85,000	View
American Financial Resources LLC	Conventional, FHA	3	0.2%	100%	$261,666
Discover Bank	Conventional	3	0.2%	40%	$95,000
Union Home Mortgage Corp.	Conventional, FHA	3	0.2%	100%	$335,000
New Day Financial, LLC.	VA	3	0.2%	60%	$358,333
Churchill Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$238,333
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	3	0.2%	100%	$451,666	View
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$435,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$365,000	View
Gold Star Mortgage Financial Group, Corporation	FHA	2	0.1%	100%	$565,000
Canopy Mortgage, LLC	Conventional, VA	2	0.1%	100%	$430,000
Triad Financial Services, Inc.	Conventional	2	0.1%	70%	$100,000
Loanunited.Com, LLC	FHA	2	0.1%	66.7%	$495,000
Nqm Funding, LLC	Conventional	2	0.1%	66.7%	$350,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$510,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	50%	$545,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$105,000
Primelending	FHA	1	0.1%	100%	$405,000
RANLife, Inc.	Conventional	1	0.1%	100%	$445,000
Envoy Mortgage, Ltd	FHA	1	0.1%	50%	$495,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$395,000
Nbkc Bank	Conventional	1	0.1%	100%	$175,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$265,000	View
Obsidian Financial Services	FHA	1	0.1%	100%	$415,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA	1	0.1%	100%	$355,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$385,000
Oceanside Mortgage Company	FHA	1	0.1%	100%	$585,000
Federated Mortgage Corp	Conventional	1	0.1%	100%	$305,000
Bay Equity LLC	FHA	1	0.1%	100%	$655,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$365,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$675,000	View
Shoreham Bank	FHA	1	0.1%	100%	$25,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$345,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$55,000	View
Better Mortgage Corporation	Conventional	1	0.1%	100%	$325,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	100%	$445,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$745,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$75,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	50%	$305,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$135,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +10 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
HomeStreet Bank	HELOC	0 +2 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +2 HELOCs	0%	0%		View
First Technology Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	0%		View
Consolidated Community Credit	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Lower, 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.

Hesperia 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 Hesperia, California

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

Types of Mortgage Lenders in Hesperia, CA

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

Mortgage companies and brokers 121 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 33 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 28 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 89 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 37 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 84 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Hesperia, CA

Independent mortgage companies closed 88.8 percent of home loans in Hesperia, California in 2025, banks 6 percent and credit unions 5.3 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 2 loans.

88.8%

Mortgage companies

Banks

5.3%

Credit unions

42%

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 Hesperia, CA

Who is the largest mortgage lender in Hesperia, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Hesperia, California with 18 loans, about 1.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Hesperia, California, Paramount Residential Mortgage approved the highest share of completed applications in 2025 at 100 percent, against a 80.3 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 Hesperia, CA mortgage lenders offer FHA, VA and USDA loans?

89 lenders closed FHA loans in Hesperia, California in 2025, led by United Wholesale Mortgage with 92. 37 lenders closed VA loans, led by United Wholesale Mortgage, 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.

Are credit unions and local banks included in this Hesperia, CA lender list?

Yes. 33 banks and 28 credit unions closed home loans in Hesperia, California in 2025, alongside 121 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 Hesperia, CA ranked on this page?

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