Mortgage Lenders and Brokers in Valle Vista, 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
Valle Vista, California mortgage lenders include Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Altura Credit UnionAltura Credit Union300 S Highland Springs Ave, Banning, CA 92220 6504A+5.0 ★Texas Ratio: 3.54%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, and Vision One Mortgage, Inc.Vision One Mortgage, Inc.3279 Ramos Cir, Sacramento, CA 95827 2500A+5.0 ★Texas Ratio: 1.10%. 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 Valle Vista, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valle Vista 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 Valle Vista, California
Market share is the lender's share of all home loans closed in Valle Vista, 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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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA, VA, Jumbo | 7 | 2.8% | 90% | $527,857 | View |
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300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 4 | 1.6% | 100% | $177,500 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 3 +8 HELOCs |
1.2% | 50% | $218,333 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 60% | $65,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $298,333 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 2 | 0.8% | 100% | $245,000 | |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
FHA | 2 | 0.8% | 100% | $480,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.4% | 100% | $375,000 | View |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.4% | 50% | $445,000 | View |
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200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.4% | 100% | $95,000 | 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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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 8 | 3.2% | 75% | $392,500 | View |
Franklin Loan Corporation
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Conventional, FHA | 8 | 3.2% | 100% | $327,500 | |
American Financial Network, Inc.
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Conventional, FHA | 5 | 2% | 55.6% | $291,000 | |
Residential Wholesale Mortgage
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Conventional, FHA | 3 | 1.2% | 100% | $441,666 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 1.2% | 60% | $321,666 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.2% | 50% | $315,000 | |
AmWest Funding Corp
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Conventional, FHA | 3 | 1.2% | 75% | $415,000 | |
Nmsi, Inc.
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Conventional, FHA | 3 | 1.2% | 100% | $411,666 | |
New American Funding, LLC.
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Conventional, HELOC | 2 +1 HELOCs |
0.8% | 50% | $175,000 | |
Goodleap, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $360,000 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $280,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 0.8% | 60% | $415,000 | |
Ez Fundings Inc
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Conventional, FHA | 2 | 0.8% | 100% | $365,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.8% | 100% | $380,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.8% | 28.6% | $190,000 | |
ML Mortgage Corp.
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FHA | 1 | 0.4% | 33.3% | $445,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.4% | 100% | $265,000 | |
MortgageOne, Inc
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FHA | 1 | 0.4% | 100% | $485,000 | |
Pacific Lending LLC
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Guild Mortgage Company
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FHA | 1 | 0.4% | 100% | $475,000 | |
Bay-Valley Mortgage Group
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FHA | 1 | 0.4% | 100% | $175,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.4% | 100% | $265,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $65,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.4% | 100% | $685,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.4% | 100% | $535,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 54 +1 HELOCs |
21.9% | 85.7% | $391,851 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 10.9% | 90% | $287,592 | |
The Loan Store, Inc
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Conventional, FHA | 7 | 2.8% | 87.5% | $457,857 | |
Mortgage Research Center
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VA | 6 | 2.4% | 46.2% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
2% | 100% | $239,000 | View |
Newrez LLC
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Conventional, FHA, VA | 5 | 2% | 33.3% | $325,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
1.6% | 100% | $377,500 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.6% | 66.7% | $132,500 | |
21St Mortgage
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Conventional | 4 | 1.6% | 40% | $135,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.2% | 100% | $445,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1.2% | 75% | $275,000 | |
Triad Financial Services, Inc.
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Conventional | 3 | 1.2% | 58.3% | $118,333 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 3 | 1.2% | 100% | $301,666 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.8% | 100% | $485,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.8% | 40% | $80,000 | |
Originpoint, LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $425,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.4% | 100% | $455,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.4% | 100% | $15,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 33.3% | $85,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 14.3% | $215,000 | |
Valley West Corporation
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VA | 1 | 0.4% | 100% | $575,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.4% | 100% | $395,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $425,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.4% | 50% | $565,000 | |
Direct Mortgage Loans, LLC
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VA | 1 | 0.4% | 100% | $545,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
FHA | 1 | 0.4% | 100% | $475,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $305,000 | |
Notre Dame Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 100% | $405,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.4% | 100% | $525,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Valle Vista 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 Valle Vista, California
Looking for mortgage lenders near me or mortgage brokers near me in Valle Vista? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valle Vista in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valle Vista, CA
Use these to narrow the list above. Each category shows how many Valle Vista, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Valle Vista, CA
Independent mortgage companies closed 89.9 percent of home loans in Valle Vista, California in 2025, banks 4.9 percent and credit unions 5.3 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Altura Credit Union the largest credit union. Among lenders headquartered in California, Sun West Mortgage Company, Inc 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 Valle Vista, CA
By home loans closed in 2025, Sun West Mortgage Company, Inc was the largest mortgage lender in Valle Vista, California with 7 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Valle Vista, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 85.7 percent, against a 74.3 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.
41 lenders closed FHA loans in Valle Vista, California in 2025, led by United Wholesale Mortgage with 25. 15 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. 10 banks and 10 credit unions closed home loans in Valle Vista, California in 2025, alongside 66 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 Valle Vista, 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 Valle Vista, 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 Valle Vista. 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.
