Mortgage Lenders and Brokers in Spring Valley, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Spring Valley, California mortgage lenders include US Bank, N.A.US Bank, N.A.9846 Campo Rd, Spring Valley, CA 91977A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA619 Sweetwater Rd, Spring Valley, CA 91977A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA9832 Campo Rd, Spring Valley, CA 91977A+5.0 ★Texas Ratio: 3.54%, Mission Federal Credit UnionMission Federal Credit Union1301 17th St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, Point Mortgage CorpPoint Mortgage Corp2610 El Camino Real Unit A, Carlsbad, CA 92008 1214A+5.0 ★Texas Ratio: 2.57%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, 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 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 |
|---|---|---|---|---|---|---|
|
1 office in Spring Valley 9846 Campo Rd, Spring Valley, CA 91977 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +9 HELOCs |
1.2% | 38.5% | $379,000 | View |
|
1 office in Spring Valley 619 Sweetwater Rd, Spring Valley, CA 91977 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +2 HELOCs |
0.7% | 50% | $338,333 | View |
|
1 office in Spring Valley 9832 Campo Rd, Spring Valley, CA 91977 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $105,000 | View |
|
1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 7 +21 HELOCs |
1.7% | 87.5% | $529,285 | View |
|
386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 7 +11 HELOCs |
1.7% | 100% | $96,428 | View |
|
2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional, VA | 5 | 1.2% | 100% | $549,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA, VA | 4 | 1% | 100% | $595,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.7% | 100% | $115,000 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.5% | 100% | $315,000 | View |
|
5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 2 | 0.5% | 100% | $325,000 | View |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.2% | 66.7% | $615,000 | View |
|
31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $625,000 | View |
|
2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.2% | 100% | $835,000 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 50% | $825,000 | View |
|
2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
|
4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.2% | 100% | $775,000 | View |
|
2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional | 1 | 0.2% | 100% | $675,000 | View |
|
5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.2% | 100% | $545,000 | View |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 13 | 3.1% | 63.6% | $595,769 | |
Kind Lending, LLC
|
Conventional, FHA | 8 | 1.9% | 88.9% | $420,000 | |
loanDepot.com LLC
|
Conventional, FHA, VA, Jumbo, HELOC | 6 +1 HELOCs |
1.4% | 60% | $481,666 | |
Guild Mortgage Company
|
Conventional | 5 | 1.2% | 83.3% | $473,000 | |
Home Mortgage Alliance Corp (Hmac)
|
Conventional | 4 | 1% | 100% | $347,500 | |
AmWest Funding Corp
|
Conventional, VA | 4 | 1% | 100% | $632,500 | |
Cornerstone First Mortgage, LLC
|
Conventional | 3 | 0.7% | 100% | $595,000 | |
MortgageOne, Inc
|
FHA, VA | 3 | 0.7% | 100% | $551,666 | |
Resicentral LLC
|
Conventional, FHA | 3 | 0.7% | 75% | $695,000 | |
Stg Mortgage Inc
|
Conventional, FHA | 3 | 0.7% | 100% | $715,000 | |
New American Funding, LLC.
|
Conventional, FHA | 3 | 0.7% | 100% | $601,666 | |
Carrington Mortgage Services LLC
|
Conventional | 3 | 0.7% | 50% | $368,333 | |
Residential Wholesale Mortgage
|
Conventional | 2 | 0.5% | 100% | $900,000 | |
Fundloans Capital
|
Conventional | 2 | 0.5% | 100% | $490,000 | |
Golden Empire Mortgage, Inc.
|
Conventional, FHA | 2 | 0.5% | 100% | $330,000 | |
American Financial Network, Inc.
|
Conventional | 2 | 0.5% | 100% | $805,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, VA | 2 | 0.5% | 100% | $755,000 | View |
Ahl Funding
|
FHA, VA | 2 | 0.5% | 100% | $580,000 | |
Hometown Equity Mortgage, LLC
|
Conventional | 2 | 0.5% | 28.6% | $490,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 2 | 0.5% | 100% | $685,000 | |
Zillow Home Loans, LLC
|
Conventional | 2 | 0.5% | 100% | $610,000 | |
Paramount Residential Mortgage
|
Conventional, FHA | 2 | 0.5% | 100% | $570,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 2 | 0.5% | 50% | $370,000 | |
Goodleap, LLC
|
VA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $365,000 | |
ML Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $765,000 | |
Pacific Lending LLC
|
VA | 1 | 0.2% | 100% | $1,015,000 | |
General Mortgage Capital Corporation
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
HomeXpress Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $955,000 | |
Royal Pacific Funding
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
First Nations Home Finance Corporation
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
Franklin Loan Corporation
|
Conventional | 1 | 0.2% | 100% | $325,000 | |
Lendsure Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $435,000 | |
Iserve Residential Lending
|
Conventional | 1 | 0.2% | 100% | $615,000 | |
Nmsi, Inc.
|
Conventional | 1 | 0.2% | 100% | $105,000 | |
Figure Lending LLC
|
HELOC | 0 +9 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 91 +7 HELOCs |
21.9% | 87.6% | $705,549 | |
Rocket Mortgage
|
Conventional, FHA, VA | 53 | 12.8% | 86.2% | $471,226 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 19 +14 HELOCs |
4.6% | 73.1% | $361,842 | |
Spring Eq, LLC
|
Conventional, HELOC | 11 +4 HELOCs |
2.7% | 47.8% | $113,181 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
2.4% | 100% | $526,000 | |
Newrez LLC
|
Conventional, FHA, VA | 9 | 2.2% | 61.1% | $647,222 | |
Mortgage Research Center
|
VA | 8 | 1.9% | 72.7% | $651,250 | |
Freedom Mortgage Corporation
|
FHA, VA, Jumbo | 7 | 1.7% | 100% | $762,142 | |
The Loan Store, Inc
|
Conventional, VA, HELOC | 5 +2 HELOCs |
1.2% | 71.4% | $649,000 | |
Nationstar Mortgage
|
Conventional | 5 | 1.2% | 62.5% | $61,000 | |
Guaranteed Rate, Inc.
|
Conventional | 4 | 1% | 100% | $500,000 | |
Fairway Independent Mort Corp
|
Conventional, VA | 4 | 1% | 80% | $570,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.7% | 100% | $601,666 | View |
Lakeview Loan Servicing, LLC
|
Conventional, VA | 3 | 0.7% | 22.2% | $251,666 | |
Nqm Funding, LLC
|
Conventional | 3 | 0.7% | 100% | $595,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 3 | 0.7% | 100% | $728,333 | View |
21St Mortgage
|
Conventional | 3 | 0.7% | 23.1% | $181,666 | |
Guaranteed Rate Affinity, LLC
|
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $290,000 | |
Equity Prime Mortgage LLC
|
FHA, VA | 2 | 0.5% | 100% | $740,000 | |
Triad Financial Services, Inc.
|
Conventional | 2 | 0.5% | 69.2% | $175,000 | |
Movement Mortgage, LLC
|
Conventional, Jumbo | 2 | 0.5% | 100% | $925,000 | |
Credit Human Federal Credit Un
|
Conventional | 2 | 0.5% | 100% | $155,000 | |
American Financing Corporation
|
Conventional, VA | 2 | 0.5% | 66.7% | $210,000 | |
Mutual of Omaha Mortgage
|
Conventional, VA | 2 | 0.5% | 100% | $600,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.5% | 100% | $930,000 | View |
HomeBridge Financial Services, Inc
|
FHA, HELOC | 1 +4 HELOCs |
0.2% | 50% | $765,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $125,000 | View |
Better Mortgage Corporation
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $615,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $795,000 | View |
Primary Residential Mortgage, INC.
|
FHA | 1 | 0.2% | 100% | $615,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Norwich Commercial Group Inc
|
VA | 1 | 0.2% | 100% | $1,085,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.2% | 100% | $375,000 | |
Emporium Tpo LLC
|
Conventional | 1 | 0.2% | 100% | $535,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 33.3% | $155,000 | |
Intercap Lending Inc
|
Conventional | 1 | 0.2% | 100% | $635,000 | |
First Colony Mortgage Corporat
|
FHA | 1 | 0.2% | 100% | $435,000 | |
Homeowners Financial Group, LLC
|
VA | 1 | 0.2% | 100% | $985,000 | |
Saygo Home Loans, LLC
|
VA | 1 | 0.2% | 100% | $425,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $685,000 | View |
V.I.P. Mortgage, Inc.
|
VA | 1 | 0.2% | 100% | $735,000 | |
Logan Finance Corporation
|
Conventional | 1 | 0.2% | 100% | $395,000 | |
Mld Mortgage, Inc.Dba the Money Store
|
VA | 1 | 0.2% | 100% | $705,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.2% | 100% | $655,000 | View |
Village Capital & Investment
|
VA | 1 | 0.2% | 100% | $705,000 | |
Alliant Credit Union
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
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 83.4 percent of home loans in Spring Valley, California in 2025, banks 7.7 percent and credit unions 8.9 percent. Point Mortgage Corp was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Mission Federal Credit Union led with 7 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, US Bank, N.A. was the largest mortgage lender in Spring Valley, California with 5 loans, about 1.2 percent of the market. The largest lender headquartered in California was Mission Federal Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Spring Valley, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87.6 percent, against a 77.2 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.
21 lenders closed FHA loans in Spring Valley, California in 2025, led by United Wholesale Mortgage with 15. 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. 23 banks and 16 credit unions closed home loans in Spring Valley, California in 2025, alongside 75 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.
