Mortgage Lenders and Brokers in Imperial, 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
Imperial, California mortgage lenders include Sun Community FCUSun Community FCU201 N Imperial Ave, Imperial, CA 92251 1264A+5.0 ★Texas Ratio: 2.05%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, 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%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, and PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%. 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 Imperial, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Imperial 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 Imperial, California
Market share is the lender's share of all home loans closed in Imperial, 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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201 N Imperial Ave, Imperial, CA 92251 1264 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 19 | 3.9% | 95% | $108,684 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 9 | 1.8% | 90% | $158,333 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 100% | $191,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA, VA | 4 | 0.8% | 100% | $470,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 3 +4 HELOCs |
0.6% | 100% | $291,666 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 100% | $155,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 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 +2 HELOCs |
0% | n/a | View | |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, USDA | 29 | 5.9% | 87.9% | $462,586 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 21 | 4.3% | 91.7% | $376,904 | |
loanDepot.com LLC
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Conventional, FHA | 11 | 2.2% | 84.6% | $136,818 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 11 | 2.2% | 100% | $377,727 | |
Guild Mortgage Company
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Conventional, VA | 5 | 1% | 100% | $179,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 5 | 1% | 100% | $261,000 | View |
AdvantageFirst Lending Inc
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FHA | 4 | 0.8% | 100% | $305,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 4 | 0.8% | 80% | $372,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 4 | 0.8% | 36.4% | $265,000 | |
Kind Lending, LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.6% | 75% | $191,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $265,000 | |
Provident Funding Associates
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Conventional | 2 | 0.4% | 100% | $390,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
MortgageOne, Inc
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FHA | 1 | 0.2% | 50% | $205,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.2% | 100% | $495,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Network Capital Funding Corporation
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VA | 1 | 0.2% | 100% | $115,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $405,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 56 +3 HELOCs |
11.5% | 84.8% | $388,035 | |
Primelending
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Conventional, FHA, VA | 49 | 10% | 98.1% | $303,571 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 7% | 79.2% | $235,588 | |
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A+5.0 ★Texas Ratio: 5.65% |
Conventional, FHA, VA, USDA | 34 | 7% | 97.1% | $372,352 | View |
Everett Financial, Inc.
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Conventional, FHA | 26 | 5.3% | 96.3% | $211,153 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 18 | 3.7% | 78.6% | $389,444 | |
Wallick and Volk, Inc.
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Conventional, FHA, VA | 15 | 3.1% | 93.8% | $343,000 | |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 12 | 2.5% | 92.3% | $346,666 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 9 | 1.8% | 100% | $347,222 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +1 HELOCs |
1.6% | 61.5% | $196,250 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 1.4% | 87.5% | $237,857 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 1.2% | 46.2% | $316,666 | |
Union Home Mortgage Corp.
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Conventional, FHA | 6 | 1.2% | 100% | $438,333 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +2 HELOCs |
0.8% | 18.2% | $60,000 | |
Discover Bank
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Conventional | 4 | 0.8% | 50% | $105,000 | |
Mortgage Research Center
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VA | 4 | 0.8% | 57.1% | $482,500 | |
Nbkc Bank
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Conventional, FHA | 3 | 0.6% | 75% | $635,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.6% | 100% | $405,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 0.6% | 44.4% | $231,666 | |
Planet Home Lending, LLC
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FHA | 3 | 0.6% | 100% | $491,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +4 HELOCs |
0.4% | 100% | $330,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.4% | 100% | $505,000 | |
Loanunited.Com, LLC
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FHA | 2 | 0.4% | 100% | $440,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $520,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.4% | 66.7% | $450,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.2% | 100% | $425,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $505,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.2% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 15.4% | $35,000 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.2% | 50% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
FHA | 1 | 0.2% | 100% | $435,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $495,000 | |
Credence Funding Corporation
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VA | 1 | 0.2% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
FHA | 1 | 0.2% | 100% | $275,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $475,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Empeople Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Imperial 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 Imperial, California
Looking for mortgage lenders near me or mortgage brokers near me in Imperial? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Imperial in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Imperial, CA
Use these to narrow the list above. Each category shows how many Imperial, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Imperial, CA
Independent mortgage companies closed 78.9 percent of home loans in Imperial, California in 2025, banks 14.9 percent and credit unions 6.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Sun Community FCU the largest credit union. Among lenders headquartered in California, Sun Community FCU led with 19 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 Imperial, CA
By home loans closed in 2025, Sun Community FCU was the largest mortgage lender in Imperial, California with 19 loans, about 3.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Imperial, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.8 percent, against a 82.4 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.
35 lenders closed FHA loans in Imperial, California in 2025, led by United Wholesale Mortgage with 26. 20 lenders closed VA loans, led by United Wholesale Mortgage, 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. 11 banks and 9 credit unions closed home loans in Imperial, California in 2025, alongside 65 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 Imperial, 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 Imperial, 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 Imperial. 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.
