Mortgage Lenders and Brokers in Ridgecrest, 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
Ridgecrest, California mortgage lenders include US Bank, N.A.US Bank, N.A.144 N China Lake Blvd, Ridgecrest, CA 93555A+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%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, 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 NA101 W Ridgecrest Blvd, Ridgecrest, CA 93555A+5.0 ★Texas Ratio: 4.14%, 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%, ClearPath LendingClearPath Lending300 E Magnolia Blvd, Burbank, CA 91502A+5.0 ★Texas Ratio: 2.77%, Water and Power Community Credit UnionWater and Power Community Credit Union16840 Devonshire St, Granada Hills, CA 91344 7404A+5.0 ★Texas Ratio: 3.77%, and Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. 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 Ridgecrest, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgecrest 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 Ridgecrest, California
Market share is the lender's share of all home loans closed in Ridgecrest, 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 Ridgecrest 144 N China Lake Blvd, Ridgecrest, CA 93555 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 3 +2 HELOCs |
0.6% | 27.3% | $205,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 0.4% | 100% | $240,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 2 | 0.4% | 50% | $205,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 66.7% | $250,000 | View |
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101 W Ridgecrest Blvd, Ridgecrest, CA 93555 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $65,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.2% | 100% | $345,000 | View |
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300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77% |
VA | 1 | 0.2% | 100% | $375,000 | View |
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16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.2% | 50% | $255,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.2% | 100% | $385,000 | View |
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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA, VA | 33 | 7% | 91.9% | $263,787 | |
Dignified Home Loans LLC
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Conventional, FHA | 11 | 2.3% | 100% | $242,272 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 1.3% | 75% | $185,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, VA | 6 | 1.3% | 100% | $301,666 | View |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.3% | 100% | $265,000 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 6 | 1.3% | 100% | $181,666 | |
Royal Pacific Funding
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Conventional, FHA | 5 | 1.1% | 100% | $169,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.9% | 80% | $195,000 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 75% | $195,000 | |
Goodleap, LLC
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VA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $255,000 | |
ML Mortgage Corp.
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FHA, VA | 2 | 0.4% | 100% | $300,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 2 | 0.4% | 100% | $290,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.4% | 66.7% | $185,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 33.3% | $255,000 | |
Golden Empire Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $265,000 | |
Augusta Financial, Inc.
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FHA | 1 | 0.2% | 100% | $245,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Mortgage Capital Partners, INC
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FHA | 1 | 0.2% | 100% | $255,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 100% | $75,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.2% | 100% | $265,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.2% | 50% | $185,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.2% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +10 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 109 | 23.2% | 89.5% | $280,871 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 58 +12 HELOCs |
12.4% | 80.8% | $218,448 | |
Rocket Mortgage
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Conventional, FHA, VA | 46 | 9.8% | 85.5% | $239,347 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 30 | 6.4% | 96.8% | $234,333 | |
Mortgage Research Center
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Conventional, VA | 20 | 4.3% | 84% | $326,000 | |
Freedom Mortgage Corporation
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FHA, VA | 11 | 2.3% | 81% | $346,818 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1.5% | 100% | $279,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 7 | 1.5% | 100% | $286,428 | |
Mortgage 1 Incorporated
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Conventional, FHA | 6 | 1.3% | 100% | $198,333 | |
Princeton Mortgage Corporation
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Conventional, FHA | 5 | 1.1% | 100% | $157,000 | |
Nationstar Mortgage
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Conventional, VA | 5 | 1.1% | 100% | $73,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 0.9% | 80% | $222,500 | |
Lennar Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $435,000 | |
Peoples Mortgage Company
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Conventional, FHA, VA | 4 | 0.9% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA, HELOC | 2 +2 HELOCs |
0.4% | 100% | $245,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 50% | $55,000 | |
Sage Home Loans Corporation
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Conventional, VA | 2 | 0.4% | 100% | $355,000 | |
Movement Mortgage, LLC
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VA | 2 | 0.4% | 100% | $315,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.4% | 22.2% | $25,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.4% | 66.7% | $185,000 | View |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.4% | 66.7% | $120,000 | |
Nations Direct Mortgage, LLC
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FHA, VA | 2 | 0.4% | 100% | $210,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.4% | 100% | $260,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $145,000 | |
Primelending
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FHA | 1 | 0.2% | 100% | $325,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.2% | 100% | $185,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.2% | 41.7% | $185,000 | |
Newrez LLC
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Conventional | 1 | 0.2% | 25% | $55,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $195,000 | View |
Usalliance Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $285,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Lower, LLC
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FHA | 1 | 0.2% | 33.3% | $175,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 66.7% | $45,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
Village Capital & Investment
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FHA | 1 | 0.2% | 100% | $245,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Geneva Financial LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ridgecrest 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 Ridgecrest, California
Looking for mortgage lenders near me or mortgage brokers near me in Ridgecrest? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgecrest in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgecrest, CA
Use these to narrow the list above. Each category shows how many Ridgecrest, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgecrest, CA
Independent mortgage companies closed 83.4 percent of home loans in Ridgecrest, California in 2025, banks 3.6 percent and credit unions 13 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Water and Power Community Credit Union the largest credit union. Among lenders headquartered in California, Sun West Mortgage Company, Inc led with 2 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 Ridgecrest, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Ridgecrest, California with 3 loans, about 0.6 percent of the market. The largest lender headquartered in California was Sun West Mortgage Company, Inc with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ridgecrest, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 89.5 percent, against a 84.1 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.
37 lenders closed FHA loans in Ridgecrest, California in 2025, led by United Wholesale Mortgage with 41. 33 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. 14 banks and 8 credit unions closed home loans in Ridgecrest, California in 2025, alongside 65 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 Ridgecrest, 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 Ridgecrest, 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 Ridgecrest. 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.
