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Mortgage Lenders and Brokers in Vineyard, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Vineyard, California mortgage lenders include Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sacramento Credit UnionSacramento Credit Union8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758A+5.0 ★Texas Ratio: 0.33%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, 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%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, and East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%. 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 Vineyard, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vineyard 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 Vineyard, California

Market share is the lender's share of all home loans closed in Vineyard, 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
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	13 +15 HELOCs	1.3%	82.4%	$198,076	View
Sacramento Credit Union 8351 Elk Grove Blvd Ste 600, Elk Grove, CA 95758 A+5.0 ★Texas Ratio: 0.33%	Conventional	8	0.8%	61.5%	$195,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	7 +41 HELOCs	0.7%	70%	$497,857	View
US Bank, N.A. 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	7 +6 HELOCs	0.7%	46.7%	$332,142	View
Bank of America NA 14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +12 HELOCs	0.5%	71.4%	$419,000	View
JPMorgan Chase Bank, NA 14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.5%	55.6%	$519,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	5	0.5%	88.9%	$483,000	View
Wells Fargo Bank NA 5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	5	0.5%	71.4%	$475,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	5	0.5%	100%	$497,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	5	0.5%	100%	$423,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	100%	$95,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA, Jumbo	2	0.2%	100%	$705,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional	2	0.2%	100%	$130,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	1 +7 HELOCs	0.1%	33.3%	$115,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$595,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +1 HELOCs	0.1%	66.7%	$485,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$95,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$295,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$35,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$435,000	View
El Dorado Savings Bank 1227 Oak Ct, Arnold, CA 95223 A+5.0 ★Texas Ratio: 0.41%	Conventional	1	0.1%	100%	$305,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$185,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	1	0.1%	100%	$135,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +4 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +3 HELOCs	0%	0%		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Keypoint Credit Union 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
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	HELOC	0 +1 HELOCs	0%	0%		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +1 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	16 +3 HELOCs	1.7%	76.2%	$369,375
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	15	1.5%	83.3%	$400,333
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	14	1.4%	87.5%	$470,000
AmWest Funding Corp	Conventional	11	1.1%	91.7%	$325,909
Provident Funding Associates	Conventional	9	0.9%	100%	$571,666
Paramount Residential Mortgage	Conventional, FHA	8	0.8%	100%	$441,250
Kind Lending, LLC	Conventional, Jumbo	7	0.7%	70%	$530,714
Guild Mortgage Company	Conventional, FHA, VA	7	0.7%	100%	$457,857
General Mortgage Capital Corporation	Conventional, Jumbo	6	0.6%	100%	$441,666
Constant Investments, Inc	Conventional	6	0.6%	100%	$481,666
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	6	0.6%	100%	$548,333
Resicentral LLC	Conventional, FHA	4	0.4%	100%	$455,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	4	0.4%	83.3%	$367,500	View
New Wave Lending Group Inc	Conventional, Jumbo	4	0.4%	100%	$605,000
Flexpoint, Inc.	Conventional, FHA	3	0.3%	100%	$351,666
Nmsi, Inc.	Conventional	3	0.3%	100%	$421,666
Nexera Holding LLC	Conventional, Jumbo	3	0.3%	75%	$628,333
JMAC Lending, Inc.	Conventional	3	0.3%	100%	$548,333
AAA Capital Investment, Inc	Conventional	2	0.2%	100%	$520,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.2%	100%	$315,000
Royal Pacific Funding	Conventional	2	0.2%	100%	$285,000
Generations Home Loans, LLC	Conventional, FHA	2	0.2%	100%	$490,000
Summit Funding.Inc	Conventional, FHA	2	0.2%	66.7%	$445,000
New American Funding, LLC.	Conventional	2	0.2%	100%	$145,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	33.3%	$190,000
Cornerstone First Mortgage, LLC	FHA	1	0.1%	100%	$495,000
Alameda Mortgage Corporation	FHA	1	0.1%	100%	$285,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$585,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$395,000
Googain, Inc.	Conventional	1	0.1%	100%	$405,000
Hightechlending, Inc	Conventional, Jumbo	1	0.1%	100%	$1,145,000
West Coast Mortgage Group & Realty Co	Conventional	1	0.1%	100%	$255,000
American Finance House Lariba	Conventional	1	0.1%	100%	$345,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$625,000
Land Home Financial Services,	VA	1	0.1%	100%	$565,000
Intelliloan, Inc.	Conventional	1	0.1%	100%	$605,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	25%	$675,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$235,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$395,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +3 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	174 +5 HELOCs	18%	88%	$497,183
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	170	17.5%	84.6%	$519,117
Rocket Mortgage	Conventional, FHA, VA, Jumbo	110	11.4%	86.4%	$370,363
Lennar Mortgage, LLC	Conventional, FHA, VA	66	6.8%	88.3%	$504,696
CrossCountry Mortgage, LLC	Conventional, FHA, VA	26	2.7%	96.3%	$544,230
The Loan Store, Inc	Conventional, FHA, VA, HELOC	19 +4 HELOCs	2%	95.2%	$488,157
Nationstar Mortgage	Conventional, FHA, VA	15	1.5%	89.5%	$187,000
Spring Eq, LLC	Conventional, HELOC	12 +5 HELOCs	1.2%	44.8%	$113,333
Newrez LLC	Conventional, FHA, VA	11	1.1%	66.7%	$367,727
Movement Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	10 +2 HELOCs	1%	100%	$526,000
Freedom Mortgage Corporation	FHA, VA	8	0.8%	72.7%	$495,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	FHA, USDA, HELOC	7 +1 HELOCs	0.7%	88.9%	$446,428	View
Fairway Independent Mort Corp	Conventional	6	0.6%	85.7%	$435,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	5 +2 HELOCs	0.5%	71.4%	$297,000
Equity Prime Mortgage LLC	FHA, VA	4	0.4%	100%	$415,000
Homeamerican Mortgage Corporation	Conventional, FHA	4	0.4%	100%	$510,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	3 +6 HELOCs	0.3%	100%	$471,666
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	100%	$405,000
Sage Home Loans Corporation	Conventional	3	0.3%	75%	$438,333
Amerisave Mortgage Company	Conventional, VA	3	0.3%	40%	$251,666
Union Home Mortgage Corp.	Conventional, FHA, VA	3	0.3%	100%	$548,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.3%	100%	$681,666	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.2%	100%	$555,000	View
Primelending	Conventional	2	0.2%	100%	$585,000
Primary Residential Mortgage, INC.	Conventional, VA	2	0.2%	100%	$505,000
Everett Financial, Inc.	Conventional, FHA	2	0.2%	100%	$270,000
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.2%	21.1%	$305,000
Canopy Mortgage, LLC	Conventional	2	0.2%	100%	$480,000
NOVA Financial & Investment Corporation	Conventional, FHA	2	0.2%	66.7%	$260,000
PHH Mortgage Corporation	Conventional, VA	2	0.2%	100%	$500,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$265,000
Bay Equity LLC	Conventional	2	0.2%	100%	$335,000
Mortgage Research Center	VA	2	0.2%	50%	$390,000
Uif Corporation	Conventional	2	0.2%	100%	$530,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.2%	100%	$330,000	View
Mutual of Omaha Mortgage	Conventional, FHA	2	0.2%	100%	$360,000
Ark-La-Tex Financial Services LLC	Conventional, VA	2	0.2%	100%	$545,000
Top Flite Financial, Inc.	FHA	2	0.2%	100%	$485,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.2%	100%	$525,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$105,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$525,000
Nbkc Bank	Conventional	1	0.1%	100%	$465,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	50%	$315,000	View
Delmar Financial Company	Conventional	1	0.1%	100%	$265,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$545,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$1,145,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$445,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$395,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$365,000
Discover Bank	Conventional	1	0.1%	12.5%	$45,000
Das Acquisition Company, LLC	FHA	1	0.1%	100%	$645,000
Peak Residential Lending Inc	Conventional	1	0.1%	100%	$765,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$725,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$495,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$645,000	View
Nations Lending Corporation	Conventional	1	0.1%	100%	$535,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$705,000	View
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$485,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	50%	$465,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	VA	1	0.1%	100%	$565,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	50%	$445,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	VA	1	0.1%	100%	$545,000	View
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$515,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	33.3%	$425,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	50%	$225,000
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	1	0.1%	50%	$95,000	View
First Technology Federal Credit Union	Conventional	1	0.1%	100%	$125,000
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$485,000	View
Village Capital & Investment	VA	1	0.1%	50%	$515,000
Alliant Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Ussfcu	HELOC	0 +1 HELOCs	0%	n/a
Ukrainian Federal Credit Union A5.0 ★Texas Ratio: 10.53%	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Vineyard Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Vineyard, California

Looking for mortgage lenders near me or mortgage brokers near me in Vineyard? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Vineyard in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Vineyard, CA

Use these to narrow the list above. Each category shows how many Vineyard, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 36 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 31 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 67 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Vineyard, CA

Independent mortgage companies closed 89.7 percent of home loans in Vineyard, California in 2025, banks 6.1 percent and credit unions 4.2 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 13 loans.

89.7%

Mortgage companies

6.1%

Banks

4.2%

Credit unions

15%

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Vineyard, CA

Who is the largest mortgage lender in Vineyard, CA?

By home loans closed in 2025, Schoolsfirst FCU was the largest mortgage lender in Vineyard, California with 13 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Vineyard, CA have the highest approval rates?

Among lenders with meaningful volume in Vineyard, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 88.3 percent, against a 82.3 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.

Which Vineyard, CA mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in Vineyard, California in 2025, led by United Wholesale Mortgage with 31. 31 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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.

Are credit unions and local banks included in this Vineyard, CA lender list?

Yes. 36 banks and 21 credit unions closed home loans in Vineyard, California in 2025, alongside 96 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.

How are mortgage lenders in Vineyard, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Vineyard, 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 Vineyard, 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 Vineyard. 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.