Mortgage Lenders and Brokers in Toro Canyon, 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
Toro Canyon, California mortgage lenders include Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation9201 Camino Media Suite 100, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 4.14%, American Riviera BankAmerican Riviera Bank7035 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.04%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Farmers and Merchants Bank of Long BeachFarmers and Merchants Bank of Long Beach2421 E Coast Hwy, Corona Del Mar, CA 92625A+5.0 ★Texas Ratio: 0.06%, Santa Barbara Teachers Federal Credit UnionSanta Barbara Teachers Federal Credit Union1307B N H St, Lompoc, CA 93436 3312A+5.0 ★Texas Ratio: 0.02%, Montecito Bank and TrustMontecito Bank and Trust770 Paseo Camarillo, Camarillo, CA 93010A+5.0 ★Texas Ratio: 1.23%, and BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%. 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 Toro Canyon, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Toro Canyon 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 Toro Canyon, California
Market share is the lender's share of all home loans closed in Toro Canyon, 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 |
|---|---|---|---|---|---|---|
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
10.5% | 80% | $8,255,000 | View |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 7.9% | 100% | $1,015,000 | View |
|
9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 7.9% | 100% | $268,333 | View |
|
7035 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.04% |
Conventional, Jumbo | 2 | 5.3% | 100% | $1,210,000 | View |
|
11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 2.6% | 50% | $6,005,000 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 2.6% | 100% | $2,435,000 | View |
|
2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06% |
Conventional, Jumbo | 1 | 2.6% | 100% | $1,165,000 | View |
|
1307B N H St, Lompoc, CA 93436 3312 A+5.0 ★Texas Ratio: 0.02% |
Conventional | 1 | 2.6% | 100% | $155,000 | View |
|
770 Paseo Camarillo, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 2.6% | 50% | $555,000 | View |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 2.6% | 100% | $1,695,000 | View |
|
5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 2.6% | 100% | $70,005,000 | View |
|
10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
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 | |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Golden Empire Mortgage, Inc.
|
Conventional, Jumbo | 1 | 2.6% | 100% | $2,005,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 1 | 2.6% | 100% | $1,125,000 | View |
Residential First Capital
|
Conventional | 1 | 2.6% | 100% | $205,000 | |
American Heritage Lending, LLC
|
Conventional, Jumbo | 1 | 2.6% | 100% | $1,505,000 | |
New American Funding, LLC.
|
Conventional | 1 | 2.6% | 100% | $365,000 | |
ClearEdge Lending LLC
|
Conventional, Jumbo | 1 | 2.6% | 100% | $935,000 | |
|
A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 5.3% | 100% | $4,585,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 5.3% | 66.7% | $1,590,000 | View |
United Wholesale Mortgage
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
2.6% | 50% | $1,635,000 | |
Rocket Mortgage
|
Conventional, Jumbo | 1 | 2.6% | 50% | $1,145,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 2.6% | 100% | $2,295,000 | View |
Emporium Tpo LLC
|
Conventional, Jumbo | 1 | 2.6% | 100% | $1,265,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 2.6% | 100% | $355,000 | View |
Nqm Funding, LLC
|
Conventional, Jumbo | 1 | 2.6% | 100% | $3,015,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 2.6% | 100% | $915,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 2.6% | 100% | $1,005,000 | View |
Spring Eq, LLC
|
Conventional | 1 | 2.6% | 33.3% | $385,000 | |
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Toro Canyon 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 Toro Canyon, California
Looking for mortgage lenders near me or mortgage brokers near me in Toro Canyon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Toro Canyon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Toro Canyon, CA
Use these to narrow the list above. Each category shows how many Toro Canyon, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Toro Canyon, CA
Independent mortgage companies closed 31.6 percent of home loans in Toro Canyon, California in 2025, banks 65.8 percent and credit unions 2.6 percent. Golden Empire Mortgage, Inc. was the largest mortgage company, Bank of America NA the largest bank and Santa Barbara Teachers Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 4 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 Toro Canyon, CA
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Toro Canyon, California with 4 loans, about 10.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 16 banks and 5 credit unions closed home loans in Toro Canyon, California in 2025, alongside 14 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 Toro Canyon, 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 Toro Canyon, 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 Toro Canyon. 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.
