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Mortgage Lenders and Brokers in Palm Desert, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Palm Desert, California mortgage lenders include US Bank, N.A.US Bank, N.A.72260 Highway 111, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA77952 Country Club Dr, Palm Desert, CA 92211A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA73010 El Paseo, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA73820 El Paseo, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 4.14%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.73000 Highway 111, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 3.72%, PNC Bank N.A.PNC Bank N.A.72625 Highway 111, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 4.24%, Citibank, NACitibank, NA44480 Town Center Way, Palm Desert, CA 92260A+5.0 ★Texas Ratio: 2.82%, Columbia BankColumbia Bank78000 Fred Waring Dr, Palm Desert, CA 92211A+5.0 ★Texas Ratio: 2.28%, Mechanics BankMechanics Bank41990 Cook St Ste 701 Bldg H, Palm Desert, CA 92211A+5.0 ★Texas Ratio: 1.81%, and Franklin Loan CorporationFranklin Loan CorporationPalm Desert, 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 Palm Desert, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palm Desert 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 Palm Desert, California

Market share is the lender's share of all home loans closed in Palm Desert, 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
US Bank, N.A. 2 offices in Palm Desert 72260 Highway 111, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	42 +4 HELOCs	4%	79.2%	$691,190	View
Wells Fargo Bank NA 3 offices in Palm Desert 77952 Country Club Dr, Palm Desert, CA 92211 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	25	2.4%	83.3%	$1,054,600	View
JPMorgan Chase Bank, NA 3 offices in Palm Desert 73010 El Paseo, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	22 +4 HELOCs	2.1%	91.7%	$569,545	View
Bank of America NA 3 offices in Palm Desert 73820 El Paseo, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +14 HELOCs	0.9%	75%	$1,131,666	View
Zions Bancorporation, N.A. 4 offices in Palm Desert 73000 Highway 111, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	8 +15 HELOCs	0.8%	62.5%	$890,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Palm Desert 72625 Highway 111, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.2%	100%	$550,000	View
Citibank, NA 1 office in Palm Desert 44480 Town Center Way, Palm Desert, CA 92260 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.2%	100%	$1,090,000	View
Columbia Bank 2 offices in Palm Desert 78000 Fred Waring Dr, Palm Desert, CA 92211 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$675,000	View
Mechanics Bank 1 office in Palm Desert 41990 Cook St Ste 701 Bldg H, Palm Desert, CA 92211 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.1%	100%	$275,000	View
Franklin Loan Corporation	Conventional, FHA, VA, Jumbo	52	5%	100%	$458,461
Schoolsfirst FCU 74590 Highway 111, Palm Desert, CA 92260 3804 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	16 +15 HELOCs	1.5%	100%	$305,000	View
Altura Credit Union 300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54%	Conventional	5	0.5%	55.6%	$307,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	0.5%	71.4%	$519,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.4%	50%	$137,500	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	3	0.3%	80%	$525,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	3	0.3%	100%	$131,666	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	3	0.3%	100%	$151,666	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$710,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$425,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$305,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	2 +1 HELOCs	0.2%	40%	$380,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	2	0.2%	100%	$95,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.2%	100%	$45,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	2	0.2%	100%	$1,000,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$125,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$645,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.1%	100%	$1,075,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	33.3%	$385,000	View
S&S Financial 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$325,000	View
Farmers and Merchants Bank of Long Beach 2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	100%	$335,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$205,000
Sun Community FCU 1080 S Brawley Ave US Highway 86, Brawley, CA 92227 2350 A+5.0 ★Texas Ratio: 2.05%	Conventional	1	0.1%	100%	$585,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$315,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$305,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0.1%	100%	$295,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	50%	$245,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional, Jumbo	1	0.1%	100%	$895,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$165,000	View
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	Conventional	1	0.1%	100%	$35,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional	1	0.1%	100%	$295,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$635,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	Conventional	1	0.1%	50%	$295,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	1	0.1%	100%	$1,245,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0.1%	100%	$405,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	HELOC	0 +3 HELOCs	0%	n/a		View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	HELOC	0 +1 HELOCs	0%	n/a		View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	0%		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo	45	4.3%	88.2%	$413,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	30	2.9%	91.2%	$324,000	View
Pennymac Loan Services LLC	Conventional, FHA	21	2%	75%	$436,904
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	15	1.4%	100%	$312,333
New American Funding, LLC.	Conventional, FHA, HELOC	7 +2 HELOCs	0.7%	70%	$442,142
Kind Lending, LLC	Conventional, FHA	7	0.7%	63.6%	$376,428
ClearEdge Lending LLC	Conventional	6	0.6%	85.7%	$501,666
JSB Mortgage Corporation	Conventional	5	0.5%	100%	$371,000
Cake Mortgage Corp.	Conventional, Jumbo	5	0.5%	83.3%	$567,000
AmWest Funding Corp	Conventional, HELOC	4 +2 HELOCs	0.4%	100%	$390,000
American Financial Network, Inc.	Conventional, FHA	4	0.4%	100%	$427,500
Flexpoint, Inc.	Conventional, Jumbo	4	0.4%	100%	$1,122,500
JMAC Lending, Inc.	Conventional, FHA	4	0.4%	100%	$315,000
Home Mortgage Alliance Corp (Hmac)	Conventional	3	0.3%	60%	$205,000
JMJ Financial Group Inc.	Conventional	3	0.3%	100%	$418,333
Provident Funding Associates	Conventional	3	0.3%	75%	$421,666
American Pacific Mortgage Corporation	Conventional, FHA	3	0.3%	60%	$235,000
Nexera Holding LLC	Conventional	3	0.3%	75%	$345,000
ML Mortgage Corp.	Conventional	2	0.2%	66.7%	$285,000
Residential Wholesale Mortgage	Conventional	2	0.2%	100%	$475,000
Augusta Financial, Inc.	Conventional	2	0.2%	100%	$525,000
Lending 3, Inc	Conventional	2	0.2%	100%	$405,000
HomeXpress Mortgage Corp.	Conventional	2	0.2%	100%	$510,000
Royal Pacific Funding	Conventional	2	0.2%	100%	$320,000
New Wave Lending Group Inc	Conventional	2	0.2%	100%	$440,000
Stg Mortgage Inc	Conventional	2	0.2%	100%	$390,000
Lendsure Mortgage Corp.	Conventional	2	0.2%	100%	$385,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.2%	100%	$455,000
Citadel Servicing Corporation	Conventional	2	0.2%	100%	$450,000
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$390,000
Vista Point Mortgage, LLC	Conventional	2	0.2%	100%	$275,000
Goodleap, LLC	VA, HELOC	1 +2 HELOCs	0.1%	100%	$525,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$485,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$345,000
Fundloans Capital	Conventional, Jumbo	1	0.1%	100%	$905,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$195,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
Mortgage Capital Partners, INC	Conventional	1	0.1%	100%	$355,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$415,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$355,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$385,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$305,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$465,000
Ez Fundings Inc	Conventional	1	0.1%	100%	$655,000
Campos Financial Corp	Conventional	1	0.1%	100%	$725,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$255,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$305,000
Emet Lending Group, Inc.	FHA	1	0.1%	100%	$545,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$595,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$465,000
Coastal Funding SLC, Inc.	Conventional	1	0.1%	100%	$275,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	50%	$25,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$225,000
Arcstone Financial Inc	Conventional	1	0.1%	100%	$285,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	127 +8 HELOCs	12.2%	88.6%	$470,039
Rocket Mortgage	Conventional, FHA, VA, Jumbo	107	10.3%	81.2%	$352,757
The Loan Store, Inc	Conventional, FHA, Jumbo, HELOC	22 +2 HELOCs	2.1%	92.6%	$482,727
Pulte Mortgage LLC	Conventional	17	1.6%	73.9%	$485,000
Newrez LLC	Conventional, VA, Jumbo	16	1.5%	76.2%	$497,500
CrossCountry Mortgage, LLC	Conventional, Jumbo	14	1.3%	100%	$768,571
Movement Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	12 +1 HELOCs	1.2%	94.7%	$538,333
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	12 +1 HELOCs	1.2%	100%	$570,000	View
DHI Mortgage Company, LTD.	Conventional, FHA, VA	12	1.2%	100%	$583,333
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	11	1.1%	100%	$1,138,636	View
Prosperity Home Mortgage, LLC	Conventional	11	1.1%	100%	$488,636
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	8 +1 HELOCs	0.8%	100%	$748,750	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	8	0.8%	100%	$587,500	View
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo	8	0.8%	88.9%	$396,250
Freedom Mortgage Corporation	FHA, VA	8	0.8%	90.9%	$381,250
Spring Eq, LLC	Conventional, HELOC	7 +4 HELOCs	0.7%	34.5%	$117,857
Mortgage Research Center	VA, Jumbo	7	0.7%	88.9%	$547,857
Guaranteed Rate Affinity, LLC	Conventional	6	0.6%	85.7%	$501,666
Homeowners Financial Group, LLC	Conventional, FHA	6	0.6%	100%	$270,000
Logan Finance Corporation	Conventional, Jumbo	6	0.6%	100%	$468,333
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	6	0.6%	100%	$1,246,666	View
Fairway Independent Mort Corp	Conventional, FHA, Jumbo	5	0.5%	83.3%	$643,000
RBC Bank (Georgia), N.A.	Conventional, HELOC	4 +3 HELOCs	0.4%	80%	$270,000
FirstBank	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.4%	80%	$585,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	4	0.4%	100%	$352,500	View
Toll Brothers Mortgage Company	Conventional	4	0.4%	75%	$600,000
Credit Human Federal Credit Un	Conventional	4	0.4%	71.4%	$177,500
Bay Equity LLC	Conventional	4	0.4%	100%	$360,000
Planet Home Lending, LLC	Conventional, VA, Jumbo	4	0.4%	100%	$825,000
Nationstar Mortgage	Conventional	4	0.4%	62.5%	$165,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +2 HELOCs	0.3%	30%	$245,000
American Financial Resources LLC	Conventional, FHA	3	0.3%	100%	$261,666
Lakeview Loan Servicing, LLC	Conventional	3	0.3%	31.2%	$215,000
Amerisave Mortgage Company	Conventional	3	0.3%	15%	$208,333
Union Home Mortgage Corp.	Conventional	3	0.3%	100%	$605,000
Geneva Financial LLC	Conventional	3	0.3%	100%	$345,000
Ameritrust Mortgage Corporation	Conventional, Jumbo	3	0.3%	100%	$585,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	3	0.3%	100%	$325,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.3%	60%	$275,000	View
Mutual of Omaha Mortgage	Conventional	3	0.3%	75%	$238,333
21St Mortgage	Conventional	3	0.3%	33.3%	$228,333
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +6 HELOCs	0.2%	66.7%	$375,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +4 HELOCs	0.2%	40%	$170,000	View
Originpoint, LLC	Conventional, Jumbo	2	0.2%	100%	$1,010,000
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0.2%	100%	$560,000	View
Triad Financial Services, Inc.	Conventional	2	0.2%	58.3%	$155,000
Dart Bank	Conventional	2	0.2%	100%	$435,000
New Day Financial, LLC.	VA	2	0.2%	28.6%	$340,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.2%	66.7%	$340,000
Nations Direct Mortgage, LLC	Conventional	2	0.2%	100%	$215,000
Toyota Financial Savings Bank	Conventional	2	0.2%	100%	$200,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$545,000
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$905,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$235,000
Better Mortgage Corporation	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$515,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$705,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$1,275,000
Arc Home LLC	Conventional	1	0.1%	33.3%	$305,000
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	1	0.1%	100%	$815,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$535,000
Cazle Mortgage, Inc.	FHA	1	0.1%	100%	$315,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$675,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$2,005,000	View
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$295,000	View
Primelending	Conventional	1	0.1%	100%	$515,000
Everett Financial, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,125,000
Success Lending, LLC	Conventional	1	0.1%	100%	$295,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$385,000
Sage Home Loans Corporation	Conventional	1	0.1%	33.3%	$275,000
Nbkc Bank	Conventional	1	0.1%	50%	$565,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$315,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$465,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$715,000	View
HomeStreet Bank	Conventional	1	0.1%	100%	$465,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	50%	$255,000	View
City Lending Inc.	Conventional	1	0.1%	100%	$75,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$185,000	View
Obsidian Financial Services	FHA	1	0.1%	100%	$385,000
Nqm Funding, LLC	Conventional	1	0.1%	50%	$715,000
Discover Bank	Conventional	1	0.1%	9.1%	$65,000
Direct Mortgage Corp A+5.0 ★Texas Ratio: 2.68%	Conventional	1	0.1%	100%	$145,000	View
American Financing Corporation	Conventional	1	0.1%	50%	$355,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$695,000	View
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$365,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0.1%	100%	$325,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$185,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$375,000
Summit Mortgage Corporation A5.0 ★Texas Ratio: 6.67%	Conventional, Jumbo	1	0.1%	100%	$1,295,000	View
The Anderson Financial Group, Inc.	Conventional	1	0.1%	100%	$315,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$455,000
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	1	0.1%	100%	$925,000	View
Megastar Finanacial Corp	Conventional	1	0.1%	100%	$265,000
Saygo Home Loans, LLC	Conventional	1	0.1%	50%	$345,000
Five Points Bank ★ 2 stars, 1 review A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	100%	$355,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
Mortgage Solutions of Colorado	FHA	1	0.1%	100%	$235,000
HMDA LAR 2025-Final	Conventional	1	0.1%	100%	$295,000
Waterford Bank, N.A. A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0.1%	100%	$705,000	View
Lower, LLC	Conventional	1	0.1%	100%	$285,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$415,000
Unitus Community Credit Union	Conventional	1	0.1%	100%	$235,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	50%	$295,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$735,000	View
First Technology Federal Credit Union	Conventional	1	0.1%	100%	$345,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$345,000
Servbank, N.A. A+5.0 ★Texas Ratio: 3.26%	VA	1	0.1%	50%	$245,000	View
Luxury Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,365,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$275,000
Village Capital & Investment	FHA	1	0.1%	100%	$285,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$275,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	HELOC	0 +2 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +2 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Alerus Financial NA A+5.0 ★Texas Ratio: 3.32%	HELOC	0 +1 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Palm Desert Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Palm Desert, California

Looking for mortgage lenders near me or mortgage brokers near me in Palm Desert? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Palm Desert in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Palm Desert, CA

Use these to narrow the list above. Each category shows how many Palm Desert, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 135 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 28 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 19 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 46 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 94 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Palm Desert, CA

Independent mortgage companies closed 75.6 percent of home loans in Palm Desert, California in 2025, banks 18.7 percent and credit unions 5.7 percent. Franklin Loan Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 9 loans.

75.6%

Mortgage companies

18.7%

Banks

5.7%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Palm Desert, CA

Who is the largest mortgage lender in Palm Desert, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Palm Desert, California with 42 loans, about 4 percent of the market. The largest lender headquartered in California was Bank of America NA with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Palm Desert, CA have the highest approval rates?

Among lenders with meaningful volume in Palm Desert, California, Franklin Loan Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 81.2 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.

Which Palm Desert, CA mortgage lenders offer FHA, VA and USDA loans?

28 lenders closed FHA loans in Palm Desert, California in 2025, led by United Wholesale Mortgage with 13. 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.

Are credit unions and local banks included in this Palm Desert, CA lender list?

Yes. 56 banks and 42 credit unions closed home loans in Palm Desert, California in 2025, alongside 135 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.

How are mortgage lenders in Palm Desert, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Palm Desert, 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 Palm Desert, 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 Palm Desert. 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.