Mortgage Lenders and Brokers in Lompoc, 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
Lompoc, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1508 N H St, Lompoc, CA 93436A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.805 N H St, Lompoc, CA 93436A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA645 W Central Ave, Lompoc, CA 93436A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1409 N H St, Lompoc, CA 93436A+5.0 ★Texas Ratio: 4.14%, Mechanics BankMechanics Bank828 N H St, Lompoc, CA 93436A+5.0 ★Texas Ratio: 1.81%, CoastHills Credit UnionCoastHills Credit Union3880 CONSTELLATION RD, LOMPOC, CA 93436 1404, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation9201 Camino Media Suite 100, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 4.14%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, 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 Lompoc, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lompoc 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 Lompoc, California
Market share is the lender's share of all home loans closed in Lompoc, 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 Lompoc 1508 N H St, Lompoc, CA 93436 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 2.1% | 88.9% | $322,500 | View |
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1 office in Lompoc 805 N H St, Lompoc, CA 93436 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
1.3% | 54.5% | $191,000 | View |
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1 office in Lompoc 645 W Central Ave, Lompoc, CA 93436 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 100% | $328,333 | View |
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1 office in Lompoc 1409 N H St, Lompoc, CA 93436 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +6 HELOCs |
0.5% | 100% | $330,000 | View |
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1 office in Lompoc 828 N H St, Lompoc, CA 93436 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $325,000 | View |
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3880 CONSTELLATION RD, LOMPOC, CA 93436 1404 |
Conventional | 10 | 2.6% | 76.9% | $148,000 | View |
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9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 4 | 1% | 100% | $122,500 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 1% | 80% | $85,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional | 3 | 0.8% | 75% | $101,666 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 3 | 0.8% | 75% | $355,000 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
FHA | 1 | 0.3% | 100% | $385,000 | View |
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1307B N H St, Lompoc, CA 93436 3312 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 1 | 0.3% | 50% | $55,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
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770 Paseo Camarillo, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.3% | 50% | $225,000 | View |
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521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
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% | 0% | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional, FHA | 17 | 4.4% | 81.8% | $336,176 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
3.9% | 88.2% | $258,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 15 | 3.9% | 100% | $421,000 | |
Coastal Funding SLC, Inc.
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Conventional, FHA | 10 | 2.6% | 100% | $366,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA, VA | 6 | 1.5% | 85.7% | $368,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, VA | 5 | 1.3% | 100% | $465,000 | |
Resicentral LLC
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Conventional, FHA, VA | 4 | 1% | 80% | $575,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 3 | 0.8% | 100% | $458,333 | View |
Hometown Equity Mortgage, LLC
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Conventional, FHA | 3 | 0.8% | 50% | $491,666 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 3 | 0.8% | 100% | $511,666 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $435,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 0.5% | 75% | $490,000 | |
Flexpoint, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $275,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.5% | 100% | $490,000 | |
Greenbox Loans
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $615,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $685,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 40% | $55,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $625,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $505,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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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 | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 69 +4 HELOCs |
17.7% | 85.7% | $492,826 | |
Rocket Mortgage
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Conventional, FHA, VA | 37 | 9.5% | 69.8% | $285,270 | |
Freedom Mortgage Corporation
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FHA, VA | 15 | 3.9% | 85.7% | $509,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 12 +3 HELOCs |
3.1% | 92.3% | $608,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.3% | 90.9% | $430,555 | |
Triad Financial Services, Inc.
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Conventional | 8 | 2.1% | 40.9% | $203,750 | |
Newrez LLC
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Conventional, FHA | 7 | 1.8% | 58.3% | $430,714 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 7 | 1.8% | 87.5% | $579,285 | View |
Leaderone Financial Corp.
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Conventional, FHA | 7 | 1.8% | 70% | $363,571 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 6 | 1.5% | 85.7% | $453,333 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +2 HELOCs |
1.3% | 33.3% | $87,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 5 +1 HELOCs |
1.3% | 100% | $523,000 | |
Originpoint, LLC
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Conventional, FHA, VA | 5 | 1.3% | 83.3% | $379,000 | |
Nationstar Mortgage
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Conventional | 5 | 1.3% | 62.5% | $253,000 | |
Mortgage Research Center
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VA | 4 | 1% | 55.6% | $477,500 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.8% | 100% | $511,666 | |
Lower, LLC
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Conventional, VA | 3 | 0.8% | 100% | $488,333 | |
21St Mortgage
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Conventional | 3 | 0.8% | 50% | $171,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $440,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.5% | 100% | $555,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $590,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.5% | 100% | $505,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 2 | 0.5% | 100% | $365,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.5% | 66.7% | $350,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.5% | 75% | $345,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $515,000 | |
Loansteady LLC
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VA | 1 | 0.3% | 100% | $705,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $505,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.3% | 50% | $385,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $735,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $725,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $495,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.3% | 100% | $415,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.3% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
Top Flite Financial, Inc.
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VA | 1 | 0.3% | 100% | $605,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lompoc 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 Lompoc, California
Looking for mortgage lenders near me or mortgage brokers near me in Lompoc? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lompoc in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lompoc, CA
Use these to narrow the list above. Each category shows how many Lompoc, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Lompoc, CA
Independent mortgage companies closed 86.9 percent of home loans in Lompoc, California in 2025, banks 8.2 percent and credit unions 4.9 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and CoastHills Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA 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 Lompoc, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Lompoc, California with 8 loans, about 2.1 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.
Among lenders with meaningful volume in Lompoc, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 85.7 percent, against a 78.4 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.
34 lenders closed FHA loans in Lompoc, California in 2025, led by United Wholesale Mortgage with 21. 23 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. 14 banks and 14 credit unions closed home loans in Lompoc, California in 2025, alongside 67 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 Lompoc, 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 Lompoc, 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 Lompoc. 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.
