Mortgage Lenders and Brokers in Three Rivers, 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
Three Rivers, California mortgage lenders include Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421, Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.69%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Educational Employees Credit UnionEducational Employees Credit Union1660 Herndon Ave Ste 101, Clovis, CA 93611A+5.0 ★Texas Ratio: 0.58%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Logix Federal Credit UnionLogix Federal Credit Union100 N First St Ste 100, Burbank, CA 91502 1845A+5.0 ★Texas Ratio: 5.23%, Golden Empire Mortgage, Inc.Golden Empire Mortgage, Inc.Bakersfield, CA, and loanDepot.com LLCloanDepot.com 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 Three Rivers, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Three Rivers 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 Three Rivers, California
Market share is the lender's share of all home loans closed in Three Rivers, 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 | 1 | 1.5% | 100% | $605,000 | View |
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1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
Conventional | 1 | 1.5% | 100% | $285,000 | View |
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1400 Mill Rock Way, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.5% | 100% | $55,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.5% | 100% | $395,000 | View |
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1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
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% | n/a | View | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 7 | 10.8% | 80% | $476,428 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 6 +1 HELOCs |
9.2% | 85.7% | $216,666 | |
Alameda Mortgage Corporation
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Conventional | 3 | 4.6% | 100% | $448,333 | |
Pennymac Loan Services LLC
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Conventional | 3 | 4.6% | 100% | $405,000 | |
Augusta Financial, Inc.
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Conventional | 1 | 1.5% | 100% | $435,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 1.5% | 100% | $735,000 | |
Land Home Financial Services,
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Conventional | 1 | 1.5% | 100% | $305,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1.5% | 100% | $285,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.5% | 100% | $725,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.5% | 50% | $665,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 1.5% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 16.9% | 91.7% | $487,727 | |
Rocket Mortgage
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Conventional | 6 | 9.2% | 66.7% | $146,666 | |
Everett Financial, Inc.
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Conventional, FHA | 3 | 4.6% | 100% | $421,666 | |
Newrez LLC
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Conventional, VA | 3 | 4.6% | 75% | $471,666 | |
Arc Home LLC
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Conventional | 1 | 1.5% | 100% | $735,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 1.5% | 100% | $565,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1.5% | 100% | $555,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 1.5% | 100% | $505,000 | View |
New Day Financial, LLC.
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VA | 1 | 1.5% | 100% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.5% | 100% | $485,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.5% | 33.3% | $585,000 | |
Mortgage Research Center
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VA | 1 | 1.5% | 100% | $285,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 1.5% | 100% | $195,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 1.5% | 100% | $385,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.5% | 100% | $715,000 | View |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Three Rivers 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 Three Rivers, California
Looking for mortgage lenders near me or mortgage brokers near me in Three Rivers? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Three Rivers in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Three Rivers, CA
Use these to narrow the list above. Each category shows how many Three Rivers, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Three Rivers, CA
Independent mortgage companies closed 92.3 percent of home loans in Three Rivers, California in 2025, banks 3.1 percent and credit unions 4.6 percent. Change Lending was the largest mortgage company, Tri Counties Bank the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Valley Strong 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 Three Rivers, CA
By home loans closed in 2025, Valley Strong Credit Union was the largest mortgage lender in Three Rivers, California with 1 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Three Rivers, California in 2025, led by Golden Empire Mortgage, Inc. with 2. 5 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. 6 banks and 5 credit unions closed home loans in Three Rivers, California in 2025, alongside 31 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 Three Rivers, 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 Three Rivers, 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 Three Rivers. 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.
