Mortgage Lenders and Brokers in Rancho Mirage, 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
Rancho Mirage, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA42350 Bob Hope Dr, Rancho Mirage, CA 92270A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA71939 Highway 111, Rancho Mirage, CA 92270A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA71799 Highway 111, Rancho Mirage, CA 92270A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Logix Federal Credit UnionLogix Federal Credit Union100 N First St Ste 100, Burbank, CA 91502 1845A+5.0 ★Texas Ratio: 5.23%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%. 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 Rancho Mirage, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho Mirage 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 Rancho Mirage, California
Market share is the lender's share of all home loans closed in Rancho Mirage, 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 Rancho Mirage 42350 Bob Hope Dr, Rancho Mirage, CA 92270 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 12 | 4.1% | 80% | $1,193,333 | View |
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2 offices in Rancho Mirage 71939 Highway 111, Rancho Mirage, CA 92270 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 11 | 3.8% | 91.7% | $1,395,909 | View |
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1 office in Rancho Mirage 71799 Highway 111, Rancho Mirage, CA 92270 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +9 HELOCs |
1.7% | 83.3% | $1,195,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 15 +5 HELOCs |
5.1% | 93.8% | $1,733,666 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 4 | 1.4% | 100% | $1,082,500 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
1% | 57.1% | $1,535,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,355,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,005,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,795,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,485,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $985,000 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,245,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.3% | 50% | $755,000 | |
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1080 S Brawley Ave US Highway 86, Brawley, CA 92227 2350 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.3% | 100% | $765,000 | View |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.3% | 100% | $725,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,085,000 | View |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
Conventional, Jumbo | 1 | 0.3% | 100% | $905,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78% |
Conventional, Jumbo | 1 | 0.3% | 100% | $3,045,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Sea West Coast Gurad FCU
Coast Guard Island, Alameda, CA 94501 5100 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 13 | 4.5% | 72.2% | $892,692 | |
Franklin Loan Corporation
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Conventional, FHA, Jumbo | 9 | 3.1% | 100% | $509,444 | |
loanDepot.com LLC
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Conventional, Jumbo, HELOC | 7 +1 HELOCs |
2.4% | 87.5% | $832,142 | |
New American Funding, LLC.
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Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.7% | 71.4% | $667,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 3 | 1% | 75% | $1,861,666 | |
AmWest Funding Corp
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Conventional, Jumbo | 2 | 0.7% | 100% | $710,000 | |
Royal Pacific Funding
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Conventional | 2 | 0.7% | 100% | $565,000 | |
Flexpoint, Inc.
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Conventional | 2 | 0.7% | 100% | $310,000 | |
JSB Mortgage Corporation
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Conventional, Jumbo | 2 | 0.7% | 100% | $775,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 2 | 0.7% | 100% | $735,000 | |
Paramount Residential Mortgage
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Conventional, VA | 2 | 0.7% | 100% | $530,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 0.7% | 100% | $575,000 | |
Fundloans Capital
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Conventional, Jumbo | 1 | 0.3% | 50% | $575,000 | |
Fidelity Lending Solutions Inc
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,105,000 | |
ResMac Inc
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Conventional, Jumbo | 1 | 0.3% | 100% | $755,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.3% | 50% | $605,000 | View |
Bay-Valley Mortgage Group
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Conventional, Jumbo | 1 | 0.3% | 100% | $595,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 0.3% | 50% | $835,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.3% | 100% | $785,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 50% | $585,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 33.3% | $2,805,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $625,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Griffin Funding Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $495,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 29 | 9.9% | 87.9% | $379,827 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 21 +5 HELOCs |
7.2% | 87.5% | $678,333 | |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 11 +1 HELOCs |
3.8% | 100% | $674,090 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 6 | 2.1% | 100% | $1,201,666 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 6 | 2.1% | 100% | $853,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 6 | 2.1% | 100% | $1,390,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.7% | 100% | $1,693,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.7% | 100% | $627,000 | View |
Spring Eq, LLC
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Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.7% | 50% | $231,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 4 | 1.4% | 80% | $890,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 4 | 1.4% | 100% | $872,500 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 1% | 100% | $518,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 3 | 1% | 100% | $1,065,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 3 | 1% | 100% | $1,521,666 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 3 | 1% | 100% | $718,333 | View |
Newrez LLC
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Conventional, VA, Jumbo | 3 | 1% | 75% | $1,601,666 | |
Triad Financial Services, Inc.
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Conventional | 3 | 1% | 57.1% | $135,000 | |
First Technology Federal Credit Union
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.7% | 100% | $1,620,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $485,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 2 | 0.7% | 100% | $1,125,000 | |
Dart Bank
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Conventional | 2 | 0.7% | 100% | $425,000 | |
Shea Mortgage Inc.
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Conventional, Jumbo | 2 | 0.7% | 100% | $1,640,000 | |
Nationstar Mortgage
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Conventional, Jumbo | 2 | 0.7% | 50% | $645,000 | |
Originpoint, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $785,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $2,805,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
0.3% | 50% | $205,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
American Airlines Federal Cred
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,085,000 | |
Jet Direct Funding Corp.
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $735,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $605,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 33.3% | $345,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $75,000 | |
Kwik Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $825,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.3% | 100% | $585,000 | |
Ameritrust Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $995,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,505,000 | View |
Cardinal Financial Company, Li
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Conventional, Jumbo | 1 | 0.3% | 100% | $975,000 | |
Foundation Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $2,105,000 | |
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A+5.0 ★Texas Ratio: 1.47% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,005,000 | View |
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★ 2 stars, 1 review A+5.0 ★Texas Ratio: 0.06% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,005,000 | View |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $385,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $845,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $765,000 | View |
Fairway Independent Mort Corp
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VA | 1 | 0.3% | 100% | $735,000 | |
21St Mortgage
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Conventional | 1 | 0.3% | 10% | $185,000 | |
Luxury Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Alliant Credit Union
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Oaktree Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rancho Mirage 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 Rancho Mirage, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho Mirage? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho Mirage in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho Mirage, CA
Use these to narrow the list above. Each category shows how many Rancho Mirage, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho Mirage, CA
Independent mortgage companies closed 65.4 percent of home loans in Rancho Mirage, California in 2025, banks 30.8 percent and credit unions 3.8 percent. Synergy One Lending, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Logix Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 5 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 Rancho Mirage, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Rancho Mirage, California with 12 loans, about 4.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Rancho Mirage, California in 2025, led by Franklin Loan Corporation with 1. 7 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. 34 banks and 18 credit unions closed home loans in Rancho Mirage, California in 2025, alongside 67 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 Rancho Mirage, 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 Rancho Mirage, 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 Rancho Mirage. 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.
