Mortgage Lenders and Brokers in Kelly Ridge, 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
Kelly Ridge, California mortgage lenders include The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, Sierra Central Credit UnionSierra Central Credit Union5026 Rhonda Rd, Anderson, CA 96007A+5.0 ★Texas Ratio: 3.22%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Mason-McDuffie Mortgage CorporationMason-McDuffie Mortgage CorporationSan Ramon, CA, Guild Mortgage CompanyGuild Mortgage CompanySan Diego, CA, and New American Funding, LLC.New American Funding, LLC.Tustin, 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 Kelly Ridge, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kelly Ridge 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 Kelly Ridge, California
Market share is the lender's share of all home loans closed in Kelly Ridge, 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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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 2 | 3% | 100% | $175,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1.5% | 100% | $295,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +1 HELOCs |
1.5% | 100% | $205,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.5% | 100% | $325,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.5% | 100% | $325,000 | View |
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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA, VA | 11 | 16.4% | 91.7% | $327,727 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 4.5% | 100% | $131,666 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 3% | 33.3% | $200,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.5% | 100% | $105,000 | |
Greenbox Loans
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Conventional | 1 | 1.5% | 100% | $325,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.5% | 100% | $145,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 19.4% | 81.2% | $322,692 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 9% | 100% | $226,666 | |
The Loan Store, Inc
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Conventional, FHA | 5 | 7.5% | 100% | $327,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 4 | 6% | 80% | $210,000 | |
Newrez LLC
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Conventional, VA | 4 | 6% | 80% | $247,500 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 1.5% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1.5% | 100% | $375,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.5% | 33.3% | $225,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 1.5% | 100% | $465,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.5% | 100% | $75,000 | |
Mortgage Research Center
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VA | 1 | 1.5% | 100% | $475,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 1.5% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.5% | 100% | $105,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 1.5% | 100% | $175,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.5% | 16.7% | $85,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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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 |
Kelly Ridge 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 Kelly Ridge, California
Looking for mortgage lenders near me or mortgage brokers near me in Kelly Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kelly Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kelly Ridge, CA
Use these to narrow the list above. Each category shows how many Kelly Ridge, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Kelly Ridge, CA
Independent mortgage companies closed 91 percent of home loans in Kelly Ridge, California in 2025, banks 4.5 percent and credit unions 4.5 percent. Mason-McDuffie Mortgage Corporation was the largest mortgage company, Bank of America NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, The Golden 1 Credit Union led with 2 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 Kelly Ridge, CA
By home loans closed in 2025, The Golden 1 Credit Union was the largest mortgage lender in Kelly Ridge, California with 2 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Kelly Ridge, California in 2025, led by United Wholesale Mortgage with 8. 6 lenders closed VA loans, led by United Wholesale Mortgage. 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 4 credit unions closed home loans in Kelly Ridge, 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 Kelly Ridge, 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 Kelly Ridge, 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 Kelly Ridge. 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.
