Mortgage Lenders and Brokers in Tehachapi, 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
Tehachapi, California mortgage lenders include BMO Harris Bank NABMO Harris Bank NA758 Tucker Rd, Tehachapi, CA 93561A+5.0 ★Texas Ratio: 3.54%, Safe 1 Credit UnionSafe 1 Credit Union20141 W Valley Blvd, Tehachapi, CA 93561A+5.0 ★Texas Ratio: 1.69%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Valley Strong Credit UnionValley Strong Credit Union1002 W Tehachapi Blvd, Tehachapi, CA 93561 2533A5.0 ★Texas Ratio: 13.47%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Logix Federal Credit UnionLogix Federal Credit Union100 N First St Ste 100, Burbank, CA 91502 1845A+5.0 ★Texas Ratio: 5.23%, and Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union1100 W Hollyvale St, Azusa, CA 91702 3305A5.0 ★Texas Ratio: 8.22%. 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 Tehachapi, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Tehachapi 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 Tehachapi, California
Market share is the lender's share of all home loans closed in Tehachapi, 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 Tehachapi 758 Tucker Rd, Tehachapi, CA 93561 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $55,000 | View |
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20141 W Valley Blvd, Tehachapi, CA 93561 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 6 | 3.4% | 100% | $83,333 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $410,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 2 | 1.1% | 100% | $105,000 | View |
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1002 W Tehachapi Blvd, Tehachapi, CA 93561 2533 A5.0 ★Texas Ratio: 13.47% |
Conventional, HELOC | 1 +5 HELOCs |
0.6% | 100% | $355,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.6% | 50% | $275,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
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% | 0% | View | |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Pacific Mortgage Corporation
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Conventional, FHA | 9 | 5.2% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 5 | 2.9% | 62.5% | $455,000 | |
Goodleap, LLC
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Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
1.7% | 100% | $295,000 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 1.7% | 100% | $331,666 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 3 | 1.7% | 100% | $321,666 | |
Augusta Financial, Inc.
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FHA, VA | 2 | 1.1% | 100% | $365,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.1% | 100% | $230,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $255,000 | View |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.6% | 100% | $75,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.6% | 100% | $235,000 | |
Googain, Inc.
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Conventional | 1 | 0.6% | 100% | $355,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Campos Financial Corp
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FHA | 1 | 0.6% | 100% | $395,000 | |
Mortgage Management Consultants, Inc.
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Conventional | 1 | 0.6% | 100% | $535,000 | |
Hometown Equity Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $285,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 100% | $365,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $715,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 33.3% | $55,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 21 | 12.1% | 77.8% | $240,714 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 19 | 10.9% | 95% | $426,578 | |
Nations Lending Corporation
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Conventional, VA | 15 | 8.6% | 100% | $337,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 7.5% | 76.5% | $361,153 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 6.9% | 100% | $451,666 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
2.3% | 80% | $62,500 | |
Mortgage Research Center
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VA | 4 | 2.3% | 100% | $410,000 | |
The Loan Store, Inc
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Conventional | 4 | 2.3% | 100% | $395,000 | |
Newrez LLC
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Conventional, VA | 3 | 1.7% | 100% | $228,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 1.7% | 100% | $378,333 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 3 | 1.7% | 50% | $305,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.1% | 100% | $175,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.1% | 71.4% | $175,000 | |
Peoples Mortgage Company
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Conventional, VA | 2 | 1.1% | 100% | $405,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 2 | 1.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
Nbkc Bank
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VA | 1 | 0.6% | 100% | $435,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.6% | 100% | $335,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.6% | 100% | $425,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 33.3% | $85,000 | |
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A+5.0 ★Texas Ratio: 5.65% |
FHA | 1 | 0.6% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 50% | $375,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $285,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.6% | 100% | $395,000 | |
Village Capital & Investment
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FHA | 1 | 0.6% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.53% |
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 |
Tehachapi 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 Tehachapi, California
Looking for mortgage lenders near me or mortgage brokers near me in Tehachapi? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Tehachapi in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Tehachapi, CA
Use these to narrow the list above. Each category shows how many Tehachapi, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Tehachapi, CA
Independent mortgage companies closed 86.2 percent of home loans in Tehachapi, California in 2025, banks 6.9 percent and credit unions 6.9 percent. American Pacific Mortgage Corporation was the largest mortgage company, BMO Harris Bank NA the largest bank and Safe 1 Credit Union the largest credit union. Among lenders headquartered in California, Safe 1 Credit Union led with 6 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 Tehachapi, CA
By home loans closed in 2025, BMO Harris Bank NA was the largest mortgage lender in Tehachapi, California with 1 loans, about 0.6 percent of the market. The largest lender headquartered in California was Safe 1 Credit Union with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Tehachapi, California in 2025, led by Rocket Mortgage with 4. 17 lenders closed VA loans, led by Freedom Mortgage Corporation, and 1 closed USDA rural loans. 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. 12 banks and 6 credit unions closed home loans in Tehachapi, California in 2025, alongside 42 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 Tehachapi, 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 Tehachapi, 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 Tehachapi. 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.
