Mortgage Lenders and Brokers in Pala, 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
Pala, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, Banner BankBanner Bank5901 Priestly Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.91%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Mission Federal Credit UnionMission Federal Credit Union1301 17th St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, and Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%. 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 Pala, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pala 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 Pala, California
Market share is the lender's share of all home loans closed in Pala, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 66.7% | $555,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +3 HELOCs |
0.9% | 100% | $85,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $805,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.9% | 100% | $735,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.9% | 100% | $675,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.9% | 100% | $775,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $245,000 | View |
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1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, VA | 3 | 2.7% | 37.5% | $618,333 | |
JMJ Financial Group Inc.
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Conventional, VA | 3 | 2.7% | 100% | $475,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 2.7% | 100% | $661,666 | |
Pacific Lending LLC
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Conventional | 2 | 1.8% | 100% | $665,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.8% | 66.7% | $835,000 | |
Fidelity Lending Solutions Inc
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Conventional | 2 | 1.8% | 100% | $855,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 1.8% | 100% | $600,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $325,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $625,000 | |
Resicentral LLC
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Conventional | 1 | 0.9% | 100% | $585,000 | |
AmWest Funding Corp
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VA | 1 | 0.9% | 100% | $695,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $585,000 | |
Bnb Financial Inc
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Conventional | 1 | 0.9% | 100% | $965,000 | |
Ahl Funding
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Conventional | 1 | 0.9% | 100% | $205,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.9% | 100% | $745,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.9% | 100% | $295,000 | |
First Nations Home Finance Corporation
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Conventional | 1 | 0.9% | 100% | $505,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.9% | 50% | $725,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.9% | 50% | $565,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.9% | 100% | $125,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.9% | 100% | $755,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.9% | 100% | $685,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $645,000 | |
Figure Lending LLC
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HELOC | 0 +2 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 | 21 +5 HELOCs |
19.1% | 91.3% | $665,000 | |
Rocket Mortgage
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Conventional, FHA | 15 | 13.6% | 71.4% | $299,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 4 +4 HELOCs |
3.6% | 80% | $220,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.7% | 100% | $585,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 2.7% | 100% | $758,333 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 100% | $85,000 | View |
Intercap Lending Inc
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Conventional | 2 | 1.8% | 100% | $640,000 | |
Mortgage Research Center
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VA | 2 | 1.8% | 100% | $775,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 1.8% | 100% | $585,000 | |
21St Mortgage
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Conventional | 2 | 1.8% | 50% | $90,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $595,000 | |
Originpoint, LLC
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Conventional | 1 | 0.9% | 100% | $675,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.9% | 100% | $755,000 | |
American Financial Resources LLC
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FHA | 1 | 0.9% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.9% | 100% | $875,000 | View |
Newrez LLC
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Conventional | 1 | 0.9% | 100% | $135,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.9% | 100% | $775,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 50% | $45,000 | |
Emporium Tpo LLC
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Conventional | 1 | 0.9% | 100% | $665,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.9% | 100% | $1,025,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.9% | 100% | $755,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.9% | 100% | $615,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $645,000 | |
Spring Eq, LLC
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HELOC | 0 +4 HELOCs |
0% | 50% | ||
Everett Financial, Inc.
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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 | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lower, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Pala 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 Pala, California
Looking for mortgage lenders near me or mortgage brokers near me in Pala? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pala in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pala, CA
Use these to narrow the list above. Each category shows how many Pala, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Pala, CA
Independent mortgage companies closed 84.5 percent of home loans in Pala, California in 2025, banks 10 percent and credit unions 5.5 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 1 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 Pala, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Pala, California with 2 loans, about 1.8 percent of the market. The largest lender headquartered in California was Schoolsfirst FCU with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Pala, California in 2025, led by United Wholesale Mortgage with 4. 11 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. 9 banks and 7 credit unions closed home loans in Pala, California in 2025, alongside 48 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 Pala, 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 Pala, 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 Pala. 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.
