Mortgage Lenders and Brokers in Terra Bella, 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
Terra Bella, California mortgage lenders include Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Strata Credit UnionStrata Credit Union1717 Truxtun Ave, Bakersfield, CA 93301 5102A+5.0 ★Texas Ratio: 1.08%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Pacific Service Credit UnionPacific Service Credit Union840 Herndon Ave, Clovis, CA 93612A+5.0 ★Texas Ratio: 1.59%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and Golden Empire Mortgage, Inc.Golden Empire Mortgage, Inc.Bakersfield, 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 Terra Bella, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Terra Bella 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 Terra Bella, California
Market share is the lender's share of all home loans closed in Terra Bella, 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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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
Conventional | 2 | 5.9% | 66.7% | $105,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
FHA | 2 | 5.9% | 100% | $470,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 2.9% | 100% | $85,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 2.9% | 100% | $205,000 | View |
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1717 Truxtun Ave, Bakersfield, CA 93301 5102 A+5.0 ★Texas Ratio: 1.08% |
Conventional | 1 | 2.9% | 100% | $45,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2.9% | 50% | $45,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 2.9% | 50% | $125,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 4 | 11.8% | 100% | $425,000 | |
Residential Wholesale Mortgage
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Conventional | 2 | 5.9% | 100% | $245,000 | |
Pacific Lending LLC
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Conventional | 2 | 5.9% | 100% | $270,000 | |
Kind Lending, LLC
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FHA | 1 | 2.9% | 100% | $205,000 | |
loanDepot.com LLC
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Conventional | 1 | 2.9% | 100% | $15,000 | |
Guild Mortgage Company
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Conventional | 1 | 2.9% | 100% | $415,000 | |
Flexpoint, Inc.
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FHA | 1 | 2.9% | 100% | $455,000 | |
Mission Loans, LLC
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Conventional | 1 | 2.9% | 100% | $285,000 | |
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA | 3 | 8.8% | 100% | $308,333 | |
Rocket Mortgage
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Conventional | 2 | 5.9% | 66.7% | $205,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 5.9% | 66.7% | $265,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 2.9% | 100% | $355,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 2.9% | 100% | $405,000 | |
Nationstar Mortgage
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Conventional | 1 | 2.9% | 100% | $165,000 | |
Better Mortgage Corporation
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FHA | 1 | 2.9% | 100% | $425,000 | |
The Loan Store, Inc
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Conventional | 1 | 2.9% | 100% | $185,000 | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% |
Terra Bella 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 Terra Bella, California
Looking for mortgage lenders near me or mortgage brokers near me in Terra Bella? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Terra Bella in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Terra Bella, CA
Use these to narrow the list above. Each category shows how many Terra Bella, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Terra Bella, CA
Independent mortgage companies closed 73.5 percent of home loans in Terra Bella, California in 2025, banks 14.7 percent and credit unions 11.8 percent. Change Lending was the largest mortgage company, MidFirst Bank the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Valley Strong Credit Union 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 Terra Bella, CA
By home loans closed in 2025, Valley Strong Credit Union was the largest mortgage lender in Terra Bella, California with 2 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Terra Bella, California in 2025, led by Golden Empire Mortgage, Inc. with 3. 0 lenders closed VA 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. 6 banks and 3 credit unions closed home loans in Terra Bella, California in 2025, alongside 18 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 Terra Bella, 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 Terra Bella, 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 Terra Bella. 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.
