Mortgage Lenders and Brokers in Rough and Ready, 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
Rough and Ready, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, El Dorado Savings BankEl Dorado Savings Bank1227 Oak Ct, Arnold, CA 95223A+5.0 ★Texas Ratio: 0.41%, SAFE Credit UnionSAFE Credit Union7887 Walerga Rd, Antelope, CA 95843A+5.0 ★Texas Ratio: 3.24%, Sunflower Bank, N.A.Sunflower Bank, N.A.1888 Century Park E, Los Angeles, CA 90067A5.0 ★Texas Ratio: 10.77%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.12%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%. 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 Rough and Ready, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rough and Ready 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 Rough and Ready, California
Market share is the lender's share of all home loans closed in Rough and Ready, 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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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2% | 75% | $285,000 | View |
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1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 2 | 2% | 66.7% | $290,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional | 2 | 2% | 100% | $415,000 | View |
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1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA | 2 | 2% | 100% | $575,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 2 | 2% | 100% | $110,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +8 HELOCs |
1% | 100% | $725,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
1% | 33.3% | $275,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 1% | 100% | $105,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +3 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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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 6 | 6% | 100% | $363,333 | |
Alameda Mortgage Corporation
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Conventional, VA | 2 | 2% | 100% | $520,000 | |
Kind Lending, LLC
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Conventional | 2 | 2% | 66.7% | $625,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 2% | 66.7% | $385,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 2% | 66.7% | $320,000 | |
loanDepot.com LLC
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Conventional | 1 | 1% | 50% | $75,000 | |
Guild Mortgage Company
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VA | 1 | 1% | 100% | $715,000 | |
Greenbox Loans
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Conventional | 1 | 1% | 100% | $265,000 | |
Stg Mortgage Inc
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VA | 1 | 1% | 50% | $435,000 | |
Provident Funding Associates
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Conventional | 1 | 1% | 100% | $305,000 | |
Mission Loans, LLC
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Conventional | 1 | 1% | 100% | $205,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1% | 100% | $575,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1% | 100% | $335,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1% | 66.7% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
20% | 100% | $396,000 | |
The Loan Store, Inc
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Conventional, FHA, VA, Jumbo | 10 | 10% | 100% | $517,000 | |
Rocket Mortgage
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Conventional, FHA | 9 | 9% | 81.8% | $409,444 | |
CrossCountry Mortgage, LLC
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Conventional, VA, HELOC | 3 +2 HELOCs |
3% | 100% | $368,333 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 3% | 100% | $388,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
2% | 40% | $290,000 | |
American Financial Resources LLC
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FHA, VA | 2 | 2% | 100% | $400,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 2% | 66.7% | $375,000 | |
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A+5.0 ★Texas Ratio: 4.67% |
Conventional | 2 | 2% | 66.7% | $265,000 | View |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1% | 100% | $565,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1% | 100% | $665,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $415,000 | |
Newrez LLC
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Conventional | 1 | 1% | 66.7% | $515,000 | |
NOVA Financial & Investment Corporation
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FHA | 1 | 1% | 100% | $635,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 1% | 100% | $465,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1% | 50% | $75,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1% | 50% | $35,000 | |
Nations Lending Corporation
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FHA | 1 | 1% | 100% | $185,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1% | 100% | $445,000 | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Rough and Ready 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 Rough and Ready, California
Looking for mortgage lenders near me or mortgage brokers near me in Rough and Ready? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rough and Ready in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rough and Ready, CA
Use these to narrow the list above. Each category shows how many Rough and Ready, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rough and Ready, CA
Independent mortgage companies closed 84 percent of home loans in Rough and Ready, California in 2025, banks 8 percent and credit unions 8 percent. American Pacific Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and SAFE Credit Union the largest credit union. Among lenders headquartered in California, El Dorado Savings Bank 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 Rough and Ready, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Rough and Ready, California with 2 loans, about 2 percent of the market. The largest lender headquartered in California was El Dorado Savings Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Rough and Ready, California in 2025, led by United Wholesale Mortgage with 4. 8 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 9 credit unions closed home loans in Rough and Ready, California in 2025, alongside 34 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 Rough and Ready, 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 Rough and Ready, 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 Rough and Ready. 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.
