Mortgage Lenders and Brokers in Valley Springs, 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 Springs, California mortgage lenders include Columbia BankColumbia Bank87 S Highway 26, Valley Springs, CA 95252A+5.0 ★Texas Ratio: 2.28%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Fremont BankFremont Bank200 Sand Creek Rd, Brentwood, CA 94513A+5.0 ★Texas Ratio: 4.11%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Farmers & Merchants Bank of CeFarmers & Merchants Bank of Ce785 Oak Grove Rd, Concord, CA 94518A+5.0 ★Texas Ratio: 0.87%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, and Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%. 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 Springs, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley Springs 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 Springs, California
Market share is the lender's share of all home loans closed in Valley Springs, 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 Springs 87 S Highway 26, Valley Springs, CA 95252 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.3% | 75% | $255,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $140,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $755,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
VA | 1 | 0.8% | 100% | $265,000 | View |
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785 Oak Grove Rd, Concord, CA 94518 A+5.0 ★Texas Ratio: 0.87% |
Conventional | 1 | 0.8% | 100% | $505,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.8% | 100% | $535,000 | 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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8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47% |
HELOC | 0 +1 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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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 9 | 6.9% | 100% | $208,333 | |
Summit Funding.Inc
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Conventional, FHA | 7 | 5.4% | 100% | $367,857 | |
Kind Lending, LLC
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Conventional, FHA | 5 | 3.8% | 62.5% | $291,000 | |
loanDepot.com LLC
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Conventional | 4 | 3.1% | 100% | $220,000 | |
Alameda Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.3% | 100% | $458,333 | |
Golden Empire Mortgage, Inc.
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Conventional | 2 | 1.5% | 100% | $175,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.5% | 50% | $230,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 2 | 1.5% | 100% | $405,000 | View |
American Heritage Lending, LLC
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Conventional | 2 | 1.5% | 100% | $335,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 1.5% | 100% | $385,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 1.5% | 100% | $425,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.5% | 66.7% | $390,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.8% | 100% | $315,000 | |
Guild Mortgage Company
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FHA | 1 | 0.8% | 100% | $455,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $575,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.8% | 100% | $385,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $105,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.8% | 100% | $675,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 21 +2 HELOCs |
16.2% | 84% | $422,619 | |
Rocket Mortgage
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Conventional, VA | 12 | 9.2% | 92.3% | $273,333 | |
Newrez LLC
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Conventional, FHA | 4 | 3.1% | 57.1% | $375,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +2 HELOCs |
2.3% | 50% | $71,666 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 2.3% | 100% | $275,000 | |
Everett Financial, Inc.
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Conventional | 3 | 2.3% | 100% | $91,666 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 2.3% | 100% | $281,666 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 1.5% | 100% | $645,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.5% | 100% | $300,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.5% | 100% | $220,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $250,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.5% | 100% | $265,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.8% | 100% | $85,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 33.3% | $335,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.8% | 50% | $135,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.8% | 50% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.8% | 100% | $305,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Starboard Financial Management, LLC
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FHA | 1 | 0.8% | 100% | $355,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.8% | 100% | $295,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $295,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $505,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.8% | 100% | $195,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $325,000 | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Valley Springs 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 Springs, California
Looking for mortgage lenders near me or mortgage brokers near me in Valley Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley Springs, CA
Use these to narrow the list above. Each category shows how many Valley Springs, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Valley Springs, CA
Independent mortgage companies closed 91.5 percent of home loans in Valley Springs, California in 2025, banks 5.4 percent and credit unions 3.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Columbia Bank the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU 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 Valley Springs, CA
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Valley Springs, California with 0 loans, about 0 percent of the market. The largest lender headquartered in California was Schoolsfirst FCU with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Valley Springs, California in 2025, led by United Wholesale Mortgage with 10. 10 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 8 credit unions closed home loans in Valley Springs, California in 2025, alongside 42 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 Springs, 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 Springs, 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 Springs. 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.
