Mortgage Lenders and Brokers in Spring Valley, 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
Spring Valley, California mortgage lenders include Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, Redwood Credit UnionRedwood Credit Union406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281A+5.0 ★Texas Ratio: 4.20%, Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%, Community First Credit UnionCommunity First Credit Union14866 Olympic Dr, Clearlake, CA 95422A5.0 ★Texas Ratio: 8.05%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Guild Mortgage CompanyGuild Mortgage CompanySan Diego, CA, Kind Lending, LLCKind Lending, LLCIrvine, CA, Franklin Loan CorporationFranklin Loan CorporationPalm Desert, CA, loanDepot.com LLCloanDepot.com LLCIrvine, CA, and San Diego FundingSan Diego FundingSan Diego, 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 Spring Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spring Valley 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 Spring Valley, California
Market share is the lender's share of all home loans closed in Spring Valley, 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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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 2.3% | 100% | $195,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 2.3% | 50% | $25,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 2.3% | 100% | $105,000 | View |
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14866 Olympic Dr, Clearlake, CA 95422 A5.0 ★Texas Ratio: 8.05% |
Conventional | 1 | 2.3% | 100% | $55,000 | 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 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 9.1% | 100% | $200,000 | |
Kind Lending, LLC
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Conventional, VA | 3 | 6.8% | 75% | $258,333 | |
Franklin Loan Corporation
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Conventional, VA | 2 | 4.5% | 100% | $280,000 | |
loanDepot.com LLC
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Conventional | 1 | 2.3% | 33.3% | $255,000 | |
San Diego Funding
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Conventional | 1 | 2.3% | 100% | $335,000 | |
Summit Funding.Inc
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Conventional | 1 | 2.3% | 100% | $145,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 2.3% | 100% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 20.5% | 100% | $300,555 | |
Rocket Mortgage
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Conventional, VA | 3 | 6.8% | 100% | $88,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 2 | 4.5% | 100% | $285,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 2.3% | 100% | $275,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 2.3% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 2.3% | 33.3% | $45,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 2.3% | 100% | $135,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 2.3% | 100% | $625,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 2.3% | 100% | $75,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 2.3% | 100% | $295,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 2.3% | 100% | $75,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 2.3% | 100% | $195,000 | |
Nationstar Mortgage
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Conventional | 1 | 2.3% | 100% | $265,000 | |
Mortgage Research Center
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VA | 1 | 2.3% | 100% | $305,000 | |
21St Mortgage
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Conventional | 1 | 2.3% | 50% | $165,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 2.3% | 100% | $335,000 |
Spring Valley 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 Spring Valley, California
Looking for mortgage lenders near me or mortgage brokers near me in Spring Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spring Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spring Valley, CA
Use these to narrow the list above. Each category shows how many Spring Valley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Spring Valley, CA
Independent mortgage companies closed 86.4 percent of home loans in Spring Valley, California in 2025, banks 4.5 percent and credit unions 9.1 percent. Guild Mortgage Company was the largest mortgage company, Columbia Bank the largest bank and Redwood Credit Union the largest credit union. Among lenders headquartered in California, Redwood Credit Union 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 Spring Valley, CA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Spring Valley, California with 1 loans, about 2.3 percent of the market. The largest lender headquartered in California was Redwood Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Spring Valley, California in 2025, led by Guild Mortgage Company with 3. 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. 3 banks and 4 credit unions closed home loans in Spring Valley, California in 2025, alongside 22 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 Spring Valley, 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 Spring Valley, 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 Spring Valley. 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.
