Mortgage Lenders and Brokers in Oildale, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Oildale, California mortgage lenders include Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Strata Credit UnionStrata Credit Union1717 Truxtun Ave, Bakersfield, CA 93301 5102A+5.0 ★Texas Ratio: 1.08%, Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.69%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Point Mortgage CorpPoint Mortgage Corp2610 El Camino Real Unit A, Carlsbad, CA 92008 1214A+5.0 ★Texas Ratio: 2.57%, 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%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443. 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 Oildale, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oildale 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 Oildale, California
Market share is the lender's share of all home loans closed in Oildale, 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 |
|---|---|---|---|---|---|---|
|
8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
Conventional, HELOC | 9 +16 HELOCs |
1.9% | 81.8% | $131,666 | View |
|
1717 Truxtun Ave, Bakersfield, CA 93301 5102 A+5.0 ★Texas Ratio: 1.08% |
Conventional | 9 | 1.9% | 69.2% | $87,222 | View |
|
1400 Mill Rock Way, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 8 | 1.7% | 88.9% | $68,750 | View |
|
5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 1% | 62.5% | $235,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $185,000 | View |
|
2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional, FHA | 3 | 0.6% | 100% | $191,666 | View |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $305,000 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.2% | 100% | $325,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.2% | 100% | $275,000 | View |
|
510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
|
9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.2% | 100% | $525,000 | View |
|
2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
|
200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
|
3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
|
5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
FHA | 1 | 0.2% | 100% | $305,000 | View |
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Golden Empire Mortgage, Inc.
|
Conventional, FHA | 31 | 6.5% | 97% | $205,000 | |
Kind Lending, LLC
|
Conventional, FHA, VA | 27 | 5.6% | 81.8% | $243,148 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional, FHA | 12 | 2.5% | 92.3% | $281,666 | |
loanDepot.com LLC
|
Conventional, FHA, VA | 10 | 2.1% | 66.7% | $220,000 | |
Flexpoint, Inc.
|
Conventional, FHA | 10 | 2.1% | 82.4% | $258,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 8 | 1.7% | 64.3% | $207,500 | |
New American Funding, LLC.
|
Conventional, FHA, VA, HELOC | 7 +2 HELOCs |
1.5% | 70% | $309,285 | |
Royal Pacific Funding
|
Conventional, FHA | 6 | 1.3% | 100% | $330,000 | |
Dignified Home Loans LLC
|
Conventional, FHA | 6 | 1.3% | 100% | $213,333 | |
Paramount Residential Mortgage
|
Conventional, FHA | 5 | 1% | 100% | $231,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
0.8% | 100% | $335,000 | View |
Ahl Funding
|
Conventional, FHA | 4 | 0.8% | 100% | $260,000 | |
ML Mortgage Corp.
|
Conventional, FHA | 3 | 0.6% | 100% | $218,333 | |
Resicentral LLC
|
FHA | 3 | 0.6% | 100% | $288,333 | |
Greenbox Loans
|
Conventional | 3 | 0.6% | 100% | $278,333 | |
Zillow Home Loans, LLC
|
Conventional, VA | 3 | 0.6% | 100% | $305,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA, VA | 3 | 0.6% | 60% | $125,000 | |
Goodleap, LLC
|
FHA, HELOC | 2 +3 HELOCs |
0.4% | 75% | $295,000 | |
Residential Wholesale Mortgage
|
Conventional, FHA | 2 | 0.4% | 100% | $115,000 | |
Franklin Loan Corporation
|
Conventional, FHA | 2 | 0.4% | 100% | $105,000 | |
Carrington Mortgage Services LLC
|
FHA | 2 | 0.4% | 45.5% | $210,000 | |
Financial Partners Credit Unio
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
Pacific Lending LLC
|
FHA | 1 | 0.2% | 100% | $245,000 | |
Home Mortgage Alliance Corp (Hmac)
|
FHA | 1 | 0.2% | 66.7% | $275,000 | |
AdvantageFirst Lending Inc
|
Conventional | 1 | 0.2% | 50% | $225,000 | |
Bay-Valley Mortgage Group
|
FHA | 1 | 0.2% | 100% | $225,000 | |
Coast 2 Coast Funding Group, Inc
|
Conventional | 1 | 0.2% | 100% | $105,000 | |
Bnb Financial Inc
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
New Wave Lending Group Inc
|
Conventional | 1 | 0.2% | 100% | $225,000 | |
Ez Fundings Inc
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
Stg Mortgage Inc
|
FHA | 1 | 0.2% | 100% | $285,000 | |
Land Home Financial Services,
|
FHA | 1 | 0.2% | 66.7% | $265,000 | |
American Pacific Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $325,000 | |
Geo-Corp, Inc.
|
FHA | 1 | 0.2% | 100% | $265,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
JMAC Lending, Inc.
|
FHA | 1 | 0.2% | 100% | $335,000 | |
Figure Lending LLC
|
HELOC | 0 +7 HELOCs |
0% | n/a | ||
AmWest Funding Corp
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 68 +1 HELOCs |
14.2% | 84.1% | $293,529 | |
Rocket Mortgage
|
Conventional, FHA, VA | 40 | 8.4% | 75.5% | $225,250 | |
Peoples Mortgage Company
|
Conventional, FHA, VA, Jumbo | 33 | 6.9% | 100% | $271,666 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA | 10 | 2.1% | 100% | $255,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 7 | 1.5% | 56.2% | $259,285 | |
Triad Financial Services, Inc.
|
Conventional | 7 | 1.5% | 54.2% | $73,571 | |
Mortgage Research Center
|
Conventional, VA | 7 | 1.5% | 100% | $303,571 | |
21St Mortgage
|
Conventional | 7 | 1.5% | 42.1% | $77,857 | |
The Loan Store, Inc
|
Conventional, FHA, VA, HELOC | 6 +6 HELOCs |
1.3% | 75% | $401,666 | |
Newrez LLC
|
Conventional, FHA, VA | 6 | 1.3% | 77.8% | $266,666 | |
Village Capital & Investment
|
FHA, VA | 6 | 1.3% | 75% | $288,333 | |
Spring Eq, LLC
|
Conventional, HELOC | 4 +1 HELOCs |
0.8% | 40% | $57,500 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 4 | 0.8% | 100% | $312,500 | |
Das Acquisition Company, LLC
|
FHA | 4 | 0.8% | 100% | $312,500 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 4 | 0.8% | 100% | $250,000 | |
Nationstar Mortgage
|
Conventional | 4 | 0.8% | 100% | $110,000 | |
Everett Financial, Inc.
|
Conventional, FHA | 3 | 0.6% | 100% | $188,333 | |
Michigan Mutual, Inc
|
Conventional, FHA | 3 | 0.6% | 100% | $278,333 | |
Guaranteed Rate, Inc.
|
FHA, VA | 2 | 0.4% | 100% | $325,000 | |
Amerisave Mortgage Company
|
Conventional | 2 | 0.4% | 28.6% | $35,000 | |
Peak Residential Lending Inc
|
Conventional, FHA | 2 | 0.4% | 100% | $235,000 | |
First Colony Mortgage Corporat
|
Conventional | 2 | 0.4% | 100% | $250,000 | |
Ameritrust Mortgage Corporation
|
Conventional | 2 | 0.4% | 100% | $220,000 | |
Mld Mortgage, Inc.Dba the Money Store
|
FHA | 2 | 0.4% | 100% | $285,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 0.4% | 100% | $280,000 | |
Leaderone Financial Corp.
|
Conventional, FHA | 2 | 0.4% | 100% | $190,000 | |
Champions Funding, LLC
|
Conventional, Jumbo | 2 | 0.4% | 100% | $520,000 | |
EMM Loans LLC
|
FHA | 1 | 0.2% | 100% | $265,000 | |
American Financial Resources LLC
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
|
A+5.0 ★Texas Ratio: 4.98% |
FHA | 1 | 0.2% | 100% | $195,000 | View |
Primelending
|
FHA | 1 | 0.2% | 50% | $255,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 100% | $235,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.2% | 50% | $175,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.2% | 50% | $425,000 | |
Data Mortgage, Inc
|
FHA | 1 | 0.2% | 100% | $335,000 | |
Valon Mortgage
|
Conventional | 1 | 0.2% | 100% | $165,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 33.3% | $45,000 | |
Planet Home Lending, LLC
|
FHA | 1 | 0.2% | 100% | $345,000 | |
Nations Lending Corporation
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
T2 Financial LLC
|
VA | 1 | 0.2% | 100% | $365,000 | |
Self Help Federal Credit Union
|
Conventional | 1 | 0.2% | 50% | $225,000 | |
Better Mortgage Corporation
|
FHA | 1 | 0.2% | 33.3% | $365,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.2% | 100% | $375,000 | |
Genway Home Mortgage, Inc.
|
FHA | 1 | 0.2% | 33.3% | $215,000 | |
Nations Direct Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $155,000 | |
Fairway Independent Mort Corp
|
VA | 1 | 0.2% | 100% | $345,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Oildale 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 Oildale, California
Looking for mortgage lenders near me or mortgage brokers near me in Oildale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oildale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oildale, CA
Use these to narrow the list above. Each category shows how many Oildale, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Oildale, CA
Independent mortgage companies closed 88.7 percent of home loans in Oildale, California in 2025, banks 4 percent and credit unions 7.3 percent. Point Mortgage Corp was the largest mortgage company, Wells Fargo Bank NA the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Valley Strong Credit Union led with 9 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 Oildale, CA
By home loans closed in 2025, Valley Strong Credit Union was the largest mortgage lender in Oildale, California with 9 loans, about 1.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oildale, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.1 percent, against a 79.9 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.
57 lenders closed FHA loans in Oildale, California in 2025, led by United Wholesale Mortgage with 47. 19 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. 16 banks and 15 credit unions closed home loans in Oildale, California in 2025, alongside 82 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 Oildale, 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 Oildale, 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 Oildale. 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.
