Mortgage Lenders and Brokers in Phelan, 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
Phelan, California mortgage lenders include Flagstar Bank NAFlagstar Bank NA4895 Phelan Rd, Phelan, CA 92371D3.3 ★Texas Ratio: 35.11%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Arrowhead Central Credit UnionArrowhead Central Credit Union23971 Lake Dr, Crestline, CA 92325A+5.0 ★Texas Ratio: 3.64%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Banner BankBanner Bank5901 Priestly Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.91%, and Technology Credit UnionTechnology Credit Union10051 S De Anza Blvd, Cupertino, CA 95014 2105A+5.0 ★Texas Ratio: 3.57%. 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 Phelan, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Phelan 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 Phelan, California
Market share is the lender's share of all home loans closed in Phelan, 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 Phelan 4895 Phelan Rd, Phelan, CA 92371 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 12.5% | $215,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, FHA | 14 | 6.2% | 73.7% | $225,714 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 5 | 2.2% | 100% | $211,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 22.2% | $180,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 2 | 0.9% | 100% | $210,000 | View |
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23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 2 | 0.9% | 66.7% | $55,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $255,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 100% | $525,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 0.4% | 100% | $25,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
FHA | 1 | 0.4% | 100% | $465,000 | View |
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2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $585,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Paramount Residential Mortgage
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Conventional, FHA, VA, USDA | 13 | 5.7% | 92.9% | $272,692 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 9 | 4% | 76.9% | $417,222 | View |
ML Mortgage Corp.
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Conventional, FHA, VA | 6 | 2.6% | 100% | $393,333 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 6 | 2.6% | 87.5% | $345,000 | |
Geo-Corp, Inc.
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FHA | 6 | 2.6% | 100% | $473,333 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.9% | 50% | $250,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 0.9% | 50% | $320,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, FHA | 2 | 0.9% | 40% | $255,000 | |
Ahl Funding
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Conventional, FHA | 2 | 0.9% | 100% | $390,000 | |
Ez Fundings Inc
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FHA | 2 | 0.9% | 100% | $405,000 | |
Campos Financial Corp
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Conventional | 2 | 0.9% | 100% | $170,000 | |
Nmsi, Inc.
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Conventional | 2 | 0.9% | 100% | $330,000 | |
Resicentral LLC
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VA | 1 | 0.4% | 100% | $375,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Bay-Valley Mortgage Group
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FHA | 1 | 0.4% | 100% | $325,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.4% | 50% | $425,000 | |
Greenbox Loans
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.4% | 100% | $405,000 | |
Franklin Loan Corporation
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FHA | 1 | 0.4% | 100% | $385,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Mission Loans, LLC
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FHA | 1 | 0.4% | 100% | $575,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $485,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $365,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.4% | 100% | $475,000 | |
loanDepot.com LLC
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HELOC | 0 +3 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 40 +1 HELOCs |
17.6% | 82% | $411,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 12.3% | 72.5% | $269,642 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 1.8% | 100% | $180,000 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 1.3% | 100% | $285,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 3 | 1.3% | 100% | $138,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 1.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo | 3 | 1.3% | 75% | $488,333 | |
Village Capital & Investment
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FHA | 3 | 1.3% | 62.5% | $348,333 | |
Guaranteed Rate, Inc.
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FHA | 2 | 0.9% | 100% | $405,000 | |
Newrez LLC
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FHA, VA | 2 | 0.9% | 40% | $390,000 | |
Ameritrust Mortgage Corporation
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Conventional, FHA | 2 | 0.9% | 66.7% | $345,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.9% | 66.7% | $400,000 | |
Mortgage Research Center
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VA | 2 | 0.9% | 33.3% | $340,000 | |
Mortgage Solutions of Colorado
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FHA | 2 | 0.9% | 100% | $425,000 | |
21St Mortgage
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Conventional | 2 | 0.9% | 33.3% | $260,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.9% | 20% | $65,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $475,000 | |
Primelending
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FHA | 1 | 0.4% | 100% | $325,000 | |
RANLife, Inc.
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VA | 1 | 0.4% | 100% | $345,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.4% | 100% | $575,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $105,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $445,000 | |
Usalliance Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 25% | $55,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 33.3% | $335,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 50% | $45,000 | |
Genway Home Mortgage, Inc.
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Conventional | 1 | 0.4% | 33.3% | $385,000 | |
Nations Direct Mortgage, LLC
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VA | 1 | 0.4% | 33.3% | $475,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.4% | 100% | $425,000 | View |
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A+5.0 ★Texas Ratio: 3.26% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.4% | 100% | $295,000 | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Global Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Phelan 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 Phelan, California
Looking for mortgage lenders near me or mortgage brokers near me in Phelan? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Phelan in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Phelan, CA
Use these to narrow the list above. Each category shows how many Phelan, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Phelan, CA
Independent mortgage companies closed 83.7 percent of home loans in Phelan, California in 2025, banks 7 percent and credit unions 9.3 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Flagstar Bank NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 14 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 Phelan, CA
By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Phelan, California with 1 loans, about 0.4 percent of the market. The largest lender headquartered in California was Schoolsfirst FCU with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Phelan, California in 2025, led by United Wholesale Mortgage with 27. 15 lenders closed VA loans, led by United Wholesale Mortgage, 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. 14 banks and 7 credit unions closed home loans in Phelan, California in 2025, alongside 63 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 Phelan, 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 Phelan, 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 Phelan. 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.
