Mortgage Lenders and Brokers in Middletown, 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
Middletown, California mortgage lenders include Tri Counties BankTri Counties Bank21097 Calistoga Street, Middletown, CA 95461A+5.0 ★Texas Ratio: 5.34%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, American First Credit UnionAmerican First Credit Union6 Pointe Dr Ste 400, Brea, CA 92821 6322A+5.0 ★Texas Ratio: 1.26%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%. 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 Middletown, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middletown 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 Middletown, California
Market share is the lender's share of all home loans closed in Middletown, 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 Middletown 21097 Calistoga Street, Middletown, CA 95461 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional, HELOC | 8 +3 HELOCs |
9.6% | 100% | $250,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.4% | 100% | $360,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 1.2% | 100% | $875,000 | View |
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6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 1.2% | 100% | $105,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 1.2% | 100% | $535,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 1.2% | 100% | $945,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 1.2% | 50% | $45,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Franklin Loan Corporation
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Conventional, FHA, VA | 4 | 4.8% | 100% | $420,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 4.8% | 100% | $207,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 3.6% | 100% | $211,666 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 3.6% | 100% | $151,666 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 2 | 2.4% | 100% | $205,000 | View |
Kind Lending, LLC
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Conventional | 1 | 1.2% | 50% | $805,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $255,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.2% | 100% | $685,000 | |
Greenbox Loans
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Conventional | 1 | 1.2% | 100% | $395,000 | |
Provident Funding Associates
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Conventional | 1 | 1.2% | 100% | $325,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 1.2% | 100% | $275,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 1.2% | 100% | $485,000 | |
loanDepot.com LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 9.6% | 81.8% | $415,000 | |
Rocket Mortgage
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Conventional, FHA | 5 | 6% | 83.3% | $263,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 3.6% | 100% | $378,333 | |
Starboard Financial Management, LLC
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Conventional, FHA | 3 | 3.6% | 100% | $468,333 | |
Guaranteed Rate, Inc.
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FHA, VA | 2 | 2.4% | 100% | $525,000 | |
Newrez LLC
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Conventional | 2 | 2.4% | 66.7% | $470,000 | |
Discover Bank
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Conventional | 2 | 2.4% | 40% | $85,000 | |
Securitynational Mortgage Company
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Conventional, FHA | 2 | 2.4% | 66.7% | $470,000 | |
Nationstar Mortgage
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Conventional | 2 | 2.4% | 100% | $260,000 | |
21St Mortgage
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Conventional | 2 | 2.4% | 50% | $265,000 | |
American Financial Resources LLC
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Conventional | 1 | 1.2% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 6.15% |
VA | 1 | 1.2% | 100% | $425,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.2% | 100% | $205,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
USDA | 1 | 1.2% | 100% | $15,000 | View |
Bay Equity LLC
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Conventional | 1 | 1.2% | 100% | $465,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 1.2% | 100% | $445,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.2% | 100% | $365,000 | |
Mortgage Research Center
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VA | 1 | 1.2% | 100% | $285,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 1.2% | 100% | $535,000 | |
Lower, LLC
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Conventional | 1 | 1.2% | 100% | $265,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.2% | 100% | $385,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 100% | $515,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 1.2% | 100% | $105,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Middletown 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 Middletown, California
Looking for mortgage lenders near me or mortgage brokers near me in Middletown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middletown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middletown, CA
Use these to narrow the list above. Each category shows how many Middletown, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Middletown, CA
Independent mortgage companies closed 78.3 percent of home loans in Middletown, California in 2025, banks 9.6 percent and credit unions 12 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Tri Counties Bank the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Tri Counties Bank led with 0 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 Middletown, CA
By home loans closed in 2025, Tri Counties Bank was the largest mortgage lender in Middletown, California with 0 loans, about 0 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Middletown, California in 2025, led by United Wholesale Mortgage with 3. 7 lenders closed VA loans, led by Sun West Mortgage Company, Inc, 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.
Yes. 9 banks and 4 credit unions closed home loans in Middletown, California in 2025, alongside 36 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 Middletown, 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 Middletown, 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 Middletown. 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.
