Mortgage Lenders and Brokers in Holtville, 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
Holtville, California mortgage lenders include Mechanics BankMechanics Bank502 Holt Ave, Holtville, CA 92250A+5.0 ★Texas Ratio: 1.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Sun Community FCUSun Community FCU100 E 5th St, Holtville, CA 92250A+5.0 ★Texas Ratio: 2.05%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bay Federal Credit UnionBay Federal Credit Union48 Rancho Del Mar, Aptos, CA 95003A+5.0 ★Texas Ratio: 1.88%, Kind Lending, LLCKind Lending, LLCIrvine, CA, Paramount Residential MortgageParamount Residential MortgageCorona, CA, loanDepot.com LLCloanDepot.com LLCIrvine, CA, Cornerstone First Mortgage, LLCCornerstone First Mortgage, LLCSan Diego, CA, and Sierra Pacific Mortgage Co. IncSierra Pacific Mortgage Co. IncFolsom, 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 Holtville, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Holtville 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 Holtville, California
Market share is the lender's share of all home loans closed in Holtville, 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 Holtville 502 Holt Ave, Holtville, CA 92250 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 1.3% | 100% | $75,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 5.2% | 100% | $327,500 | View |
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100 E 5th St, Holtville, CA 92250 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 3 | 3.9% | 100% | $141,666 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.3% | 100% | $65,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional, FHA | 4 | 5.2% | 100% | $177,500 | |
Paramount Residential Mortgage
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Conventional, FHA, USDA | 3 | 3.9% | 100% | $378,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
2.6% | 66.7% | $165,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 2.6% | 100% | $310,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 2 | 2.6% | 100% | $350,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.3% | 100% | $155,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 1.3% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.3% | 100% | $475,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.65% |
Conventional, FHA, VA | 11 | 14.3% | 100% | $324,090 | View |
United Wholesale Mortgage
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Conventional, FHA | 10 | 13% | 83.3% | $300,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 5.2% | 80% | $257,500 | |
Primelending
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Conventional, FHA, USDA | 4 | 5.2% | 100% | $172,500 | |
Equity Prime Mortgage LLC
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Conventional, FHA | 4 | 5.2% | 100% | $230,000 | |
Rocket Mortgage
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Conventional, FHA | 3 | 3.9% | 100% | $321,666 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 3.9% | 100% | $281,666 | |
Wallick and Volk, Inc.
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Conventional | 3 | 3.9% | 100% | $381,666 | |
Nbkc Bank
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Conventional | 2 | 2.6% | 40% | $355,000 | |
Discover Bank
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Conventional | 2 | 2.6% | 66.7% | $65,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $445,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $65,000 | |
Mortgage Research Center
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VA | 1 | 1.3% | 100% | $295,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $165,000 | |
My Move Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $335,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.3% | 100% | $255,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Holtville 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 Holtville, California
Looking for mortgage lenders near me or mortgage brokers near me in Holtville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Holtville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Holtville, CA
Use these to narrow the list above. Each category shows how many Holtville, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Holtville, CA
Independent mortgage companies closed 77.9 percent of home loans in Holtville, California in 2025, banks 18.2 percent and credit unions 3.9 percent. Kind Lending, LLC was the largest mortgage company, Mechanics Bank the largest bank and Sun Community FCU the largest credit union. Among lenders headquartered in California, Mechanics Bank led with 1 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 Holtville, CA
By home loans closed in 2025, Mechanics Bank was the largest mortgage lender in Holtville, California with 1 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Holtville, California in 2025, led by United Wholesale Mortgage with 6. 3 lenders closed VA loans, led by Efinity Financial LLC, and 2 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.
Yes. 6 banks and 4 credit unions closed home loans in Holtville, California in 2025, alongside 23 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 Holtville, 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 Holtville, 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 Holtville. 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.
