Mortgage Lenders and Brokers in Santa Nella, 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
Santa Nella, California mortgage lenders include 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%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Mirastar Federal Credit UnionMirastar Federal Credit Union1638 W Campbell Ave, Campbell, CA 95008A5.0 ★Texas Ratio: 6.21%, Bay Federal Credit UnionBay Federal Credit Union48 Rancho Del Mar, Aptos, CA 95003A+5.0 ★Texas Ratio: 1.88%, Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union101 Bellevue Rd, Atwater, CA 95301A+5.0 ★Texas Ratio: 1.23%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Meriwest Credit UnionMeriwest Credit Union19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014A5.0 ★Texas Ratio: 6.20%, and Kind Lending, LLCKind Lending, LLCIrvine, 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 Santa Nella, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Nella 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 Santa Nella, California
Market share is the lender's share of all home loans closed in Santa Nella, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 3.3% | 33.3% | $55,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 3.3% | 100% | $525,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
VA | 1 | 3.3% | 100% | $495,000 | |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional | 1 | 3.3% | 100% | $105,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 3.3% | 100% | $355,000 | View |
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101 Bellevue Rd, Atwater, CA 95301 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 3.3% | 100% | $185,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 3.3% | 100% | $425,000 | 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 | |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kind Lending, LLC
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Conventional | 1 | 3.3% | 50% | $455,000 | |
loanDepot.com LLC
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Conventional | 1 | 3.3% | 50% | $85,000 | |
Generations Home Loans, LLC
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Conventional | 1 | 3.3% | 100% | $485,000 | |
Summit Funding.Inc
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VA | 1 | 3.3% | 100% | $525,000 | |
New American Funding, LLC.
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FHA | 1 | 3.3% | 100% | $425,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 3.3% | 50% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 4 | 13.3% | 100% | $367,500 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 6.7% | 66.7% | $390,000 | |
American Financial Resources LLC
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FHA | 1 | 3.3% | 50% | $485,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 3.3% | 100% | $155,000 | |
Movement Mortgage, LLC
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FHA | 1 | 3.3% | 100% | $515,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 3.3% | 100% | $565,000 | |
Servis One, Inc
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Conventional | 1 | 3.3% | 100% | $85,000 | |
Self Help Federal Credit Union
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Conventional | 1 | 3.3% | 100% | $445,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 3.3% | 100% | $525,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 3.3% | 100% | $395,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 3.3% | 100% | $545,000 | |
21St Mortgage
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Conventional | 1 | 3.3% | 33.3% | $175,000 | |
Spring Eq, LLC
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Conventional | 1 | 3.3% | 50% | $105,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Santa Nella 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 Santa Nella, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Nella? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Nella in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Nella, CA
Use these to narrow the list above. Each category shows how many Santa Nella, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Nella, CA
Independent mortgage companies closed 80 percent of home loans in Santa Nella, California in 2025, banks 6.7 percent and credit unions 13.3 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Mirastar Federal Credit Union the largest credit union. Among lenders headquartered in California, Synergy One Lending, Inc. led with 1 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 Santa Nella, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Santa Nella, California with 1 loans, about 3.3 percent of the market. The largest lender headquartered in California was Synergy One Lending, Inc. with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Santa Nella, California in 2025, led by New American Funding, LLC. with 1. 3 lenders closed VA loans, led by Synergy One Lending, Inc.. 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. 4 banks and 5 credit unions closed home loans in Santa Nella, California in 2025, alongside 21 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 Santa Nella, 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 Santa Nella, 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 Santa Nella. 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.
