Mortgage Lenders and Brokers in Valley Center, 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
Valley Center, California mortgage lenders include Zions Bancorporation, N.A.Zions Bancorporation, N.A.29124 Valley Center Rd, Valley Center, CA 92082A+5.0 ★Texas Ratio: 3.72%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, California Credit UnionCalifornia Credit Union633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973A+5.0 ★Texas Ratio: 2.90%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, and Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%. 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 Valley Center, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley Center 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 Valley Center, California
Market share is the lender's share of all home loans closed in Valley Center, 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 Valley Center 29124 Valley Center Rd, Valley Center, CA 92082 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +5 HELOCs |
0% | 100% | View | |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +5 HELOCs |
1.8% | 71.4% | $685,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.4% | 80% | $580,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 3 +1 HELOCs |
1.1% | 100% | $138,333 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.1% | 75% | $535,000 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $575,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 0.7% | 75% | $830,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $785,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $815,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.4% | 100% | $845,000 | View |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
FHA | 1 | 0.4% | 100% | $1,075,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $955,000 | View |
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2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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5731 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.4% | 100% | $1,015,000 | View |
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1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
HELOC | 0 +7 HELOCs |
0% | 100% | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +2 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 | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
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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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, VA | 10 | 3.6% | 78.6% | $753,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
2.5% | 87.5% | $565,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 6 | 2.1% | 100% | $695,000 | |
Residential Wholesale Mortgage
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Conventional, FHA, VA | 4 | 1.4% | 100% | $605,000 | |
AmWest Funding Corp
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Conventional | 4 | 1.4% | 80% | $447,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 3 | 1.1% | 83.3% | $835,000 | View |
First Nations Home Finance Corporation
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Conventional | 3 | 1.1% | 100% | $568,333 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 3 | 1.1% | 100% | $855,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.1% | 100% | $355,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.7% | 66.7% | $810,000 | |
Resicentral LLC
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Conventional, FHA | 2 | 0.7% | 100% | $690,000 | |
Summit Funding.Inc
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Conventional, Jumbo | 2 | 0.7% | 100% | $810,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.7% | 100% | $715,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.7% | 100% | $590,000 | |
Plaza Home Mortgage, Inc
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Conventional, VA | 2 | 0.7% | 100% | $480,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 0.7% | 100% | $800,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $425,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,575,000 | |
Fundloans Capital
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Golden Empire Mortgage, Inc.
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VA | 1 | 0.4% | 100% | $695,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.4% | 50% | $105,000 | |
American Financial Network, Inc.
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VA | 1 | 0.4% | 100% | $215,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,545,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.4% | 100% | $725,000 | |
Ez Fundings Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Flexpoint, Inc.
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FHA | 1 | 0.4% | 100% | $855,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.4% | 100% | $985,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $845,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.4% | 50% | $1,345,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Figure Lending LLC
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HELOC | 0 +8 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 48 | 17.1% | 89.1% | $547,083 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 42 +8 HELOCs |
15% | 86.3% | $728,809 | |
CrossCountry Mortgage, LLC
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Conventional | 10 | 3.6% | 100% | $528,000 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 8 | 2.9% | 100% | $622,500 | |
The Loan Store, Inc
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Conventional, VA, HELOC | 7 +2 HELOCs |
2.5% | 100% | $583,571 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +2 HELOCs |
2.1% | 66.7% | $640,000 | |
Newrez LLC
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Conventional, VA, Jumbo | 5 | 1.8% | 100% | $841,000 | |
21St Mortgage
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Conventional | 5 | 1.8% | 55.6% | $219,000 | |
Freedom Mortgage Corporation
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FHA, VA, Jumbo | 4 | 1.4% | 71.4% | $1,037,500 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
1.1% | 42.9% | $138,333 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 3 | 1.1% | 100% | $835,000 | |
Click n' Close, Inc.
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FHA | 3 | 1.1% | 75% | $351,666 | |
Bay Equity LLC
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Conventional, FHA | 3 | 1.1% | 100% | $675,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA, Jumbo, HELOC | 2 +2 HELOCs |
0.7% | 100% | $1,070,000 | View |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.7% | 33.3% | $885,000 | |
Equity Prime Mortgage LLC
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Conventional, FHA | 2 | 0.7% | 66.7% | $735,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.7% | 100% | $1,015,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 0.01% |
Conventional | 1 | 0.4% | 100% | $615,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Southwest Airlines FCU
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $755,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
Guidance Residential, LLC
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Conventional | 1 | 0.4% | 100% | $985,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,255,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.4% | 11.1% | $755,000 | |
Intercap Lending Inc
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $745,000 | |
Foundation Mortgage Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,335,000 | |
Starboard Financial Management, LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 25% | $835,000 | |
T2 Financial LLC
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VA | 1 | 0.4% | 100% | $855,000 | |
Mortgage Research Center
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VA | 1 | 0.4% | 100% | $685,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 50% | $685,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.4% | 100% | $975,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $675,000 | View |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $925,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $725,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $1,005,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.4% | 100% | $675,000 | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Valley Center 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 Valley Center, California
Looking for mortgage lenders near me or mortgage brokers near me in Valley Center? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley Center in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley Center, CA
Use these to narrow the list above. Each category shows how many Valley Center, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Valley Center, CA
Independent mortgage companies closed 86.8 percent of home loans in Valley Center, California in 2025, banks 7.9 percent and credit unions 5.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Zions Bancorporation, N.A. the largest bank and California Coast Credit Union the largest credit union. Among lenders headquartered in California, California Coast Credit Union led with 3 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 Valley Center, CA
By home loans closed in 2025, Zions Bancorporation, N.A. was the largest mortgage lender in Valley Center, California with 0 loans, about 0 percent of the market. The largest lender headquartered in California was California Coast Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Valley Center, California in 2025, led by United Wholesale Mortgage with 10. 20 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. 16 banks and 16 credit unions closed home loans in Valley Center, California in 2025, alongside 74 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 Valley Center, 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 Valley Center, 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 Valley Center. 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.
