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Mortgage Lenders and Brokers in Visalia, California

Content reviewed by

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

Visalia, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA200 S Court St, Visalia, CA 93291A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA414 W Main St, Visalia, CA 93291A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA2301 S Mooney Blvd, Visalia, CA 93277A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA2400 S Mooney Blvd, Visalia, CA 93277A+5.0 ★Texas Ratio: 4.14%, Tri Counties BankTri Counties Bank618 W Main St, Visalia, CA 93291A+5.0 ★Texas Ratio: 5.34%, Citizens Business Bank, NACitizens Business Bank, NA701 W Main St, Visalia, CA 93291A+5.0 ★Texas Ratio: 0.53%, Mechanics BankMechanics Bank4002 S Demaree St, Visalia, CA 93277A+5.0 ★Texas Ratio: 1.81%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, and Educational Employees Credit UnionEducational Employees Credit Union3612 S Mooney Blvd, Visalia, CA 93277 8511A+5.0 ★Texas Ratio: 0.58%. 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 Visalia, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Visalia 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 Visalia, California

Market share is the lender's share of all home loans closed in Visalia, 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
JPMorgan Chase Bank, NA 3 offices in Visalia 200 S Court St, Visalia, CA 93291 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	42 +5 HELOCs	2%	91.7%	$322,380	View
Wells Fargo Bank NA 3 offices in Visalia 414 W Main St, Visalia, CA 93291 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	11	0.5%	68.8%	$223,181	View
BMO Harris Bank NA 1 office in Visalia 2301 S Mooney Blvd, Visalia, CA 93277 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, HELOC	7 +10 HELOCs	0.3%	87.5%	$409,285	View
Bank of America NA 2 offices in Visalia 2400 S Mooney Blvd, Visalia, CA 93277 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	6 +31 HELOCs	0.3%	100%	$363,333	View
Tri Counties Bank 1 office in Visalia 618 W Main St, Visalia, CA 93291 A+5.0 ★Texas Ratio: 5.34%	Conventional, HELOC	2 +10 HELOCs	0.1%	50%	$130,000	View
Citizens Business Bank, NA 1 office in Visalia 701 W Main St, Visalia, CA 93291 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0%	100%	$355,000	View
Mechanics Bank 1 office in Visalia 4002 S Demaree St, Visalia, CA 93277 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 HELOCs	0%	n/a		View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, USDA, Jumbo	134	6.2%	96.5%	$372,089	View
US Bank, N.A. 11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	14 +2 HELOCs	0.7%	58.3%	$179,285	View
Educational Employees Credit Union 3612 S Mooney Blvd, Visalia, CA 93277 8511 A+5.0 ★Texas Ratio: 0.58%	Conventional, HELOC	13 +61 HELOCs	0.6%	44.8%	$275,000	View
Safe 1 Credit Union 1407 E Noble Ave, Visalia, CA 93292 A+5.0 ★Texas Ratio: 1.69%	Conventional	8	0.4%	80%	$70,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	6 +2 HELOCs	0.3%	85.7%	$421,666	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	5	0.2%	100%	$339,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.2%	55.6%	$99,000	View
Valley Strong Credit Union 1501 S Mooney Blvd, Visalia, CA 93277 2125 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	4 +21 HELOCs	0.2%	66.7%	$190,000	View
Noble Federal Credit Union 175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29%	Conventional, HELOC	4 +2 HELOCs	0.2%	62.5%	$157,500	View
Tulare County Federal Credit Union 5133 W Walnut Ave, Visalia, CA 93277 3474	Conventional	4	0.2%	87.5%	$52,500
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	3	0.1%	100%	$258,333
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	2	0.1%	100%	$175,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.1%	100%	$100,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	1 +19 HELOCs	0%	33.3%	$445,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$295,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	FHA	1	0%	100%	$215,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$105,000	View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$165,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$105,000	View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	Conventional	1	0%	100%	$335,000
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	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
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Logix Federal Credit Union 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
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +1 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +1 HELOCs	0%	n/a		View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Golden Empire Mortgage, Inc.	Conventional, FHA, VA, Jumbo	239	11.1%	95.8%	$368,556
Alameda Mortgage Corporation	Conventional, FHA, VA	137	6.4%	95.1%	$301,350
Pennymac Loan Services LLC	Conventional, FHA, VA	70	3.3%	79.8%	$230,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	61 +3 HELOCs	2.8%	78.5%	$221,885
Kind Lending, LLC	Conventional, FHA, VA	49	2.3%	83.1%	$335,000
Pacific Lending LLC	Conventional, FHA, VA, Jumbo	42	2%	100%	$398,809
Inspire Home Loans Inc.	Conventional, FHA	20	0.9%	83.3%	$394,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	14	0.7%	100%	$290,000	View
AdvantageFirst Lending Inc	Conventional, FHA, VA	11	0.5%	78.6%	$334,090
New American Funding, LLC.	Conventional, FHA, HELOC	9 +1 HELOCs	0.4%	90%	$369,444
Guild Mortgage Company	Conventional, FHA	8	0.4%	100%	$345,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	8	0.4%	80%	$378,750
Carrington Mortgage Services LLC	Conventional, FHA, VA	7	0.3%	43.5%	$275,000
Mason-McDuffie Mortgage Corporation	Conventional, FHA, VA	7	0.3%	100%	$359,285
JMAC Lending, Inc.	Conventional, FHA	7	0.3%	100%	$369,285
AmWest Funding Corp	Conventional, HELOC	6 +1 HELOCs	0.3%	85.7%	$316,666
Residential Wholesale Mortgage	Conventional, FHA	6	0.3%	100%	$345,000
Coastal Funding SLC, Inc.	Conventional, FHA	6	0.3%	100%	$386,666
Paramount Residential Mortgage	Conventional, FHA	6	0.3%	100%	$475,000
Plaza Home Mortgage, Inc	Conventional, FHA	6	0.3%	100%	$255,000
Goodleap, LLC	Conventional, VA, HELOC	4 +10 HELOCs	0.2%	83.3%	$180,000
ML Mortgage Corp.	Conventional, FHA, VA	4	0.2%	100%	$365,000
AmeriHome Mortgage Company, LLC	FHA	4	0.2%	100%	$375,000
Flexpoint, Inc.	Conventional	4	0.2%	100%	$330,000
American Pacific Mortgage Corporation	Conventional, FHA, VA	4	0.2%	66.7%	$377,500
Resicentral LLC	Conventional, Jumbo	3	0.1%	100%	$895,000
Intelliloan, Inc.	Conventional, FHA	3	0.1%	100%	$271,666
Provident Funding Associates	Conventional	3	0.1%	100%	$261,666
Hometown Equity Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$271,666
Nmsi, Inc.	Conventional	3	0.1%	100%	$368,333
American Financial Network, Inc.	Conventional, FHA, Jumbo	2	0.1%	100%	$685,000
ResMac Inc	Conventional, Jumbo	2	0.1%	100%	$675,000
Southland Credit Uniom	Conventional	2	0.1%	100%	$325,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$435,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$465,000
Bay-Valley Mortgage Group	FHA	1	0%	100%	$295,000
Royal Pacific Funding	FHA	1	0%	100%	$365,000
Dignified Home Loans LLC	Conventional	1	0%	100%	$265,000
Greenbox Loans	Conventional	1	0%	100%	$215,000
Ony Glo, Inc.	Conventional	1	0%	100%	$525,000
Emet Lending Group, Inc.	Conventional	1	0%	100%	$425,000
Mission Loans, LLC	FHA	1	0%	100%	$415,000
Ardri LLC	Conventional	1	0%	100%	$325,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$355,000
Zillow Home Loans, LLC	Conventional	1	0%	100%	$265,000
ClearEdge Lending LLC	Conventional	1	0%	100%	$325,000
Arcstone Financial Inc	FHA	1	0%	100%	$365,000
Figure Lending LLC	HELOC	0 +39 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +14 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	206	9.6%	77.2%	$231,116
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	205 +5 HELOCs	9.6%	87.8%	$368,414
DHI Mortgage Company, LTD.	Conventional, FHA, VA	74	3.5%	93.7%	$395,000
Newrez LLC	Conventional, FHA, VA	73	3.4%	78.5%	$291,164
Freedom Mortgage Corporation	Conventional, FHA, VA	56	2.6%	88.3%	$382,857
Clm Mortgage, Inc	Conventional, FHA, VA	38	1.8%	100%	$437,105
Nationstar Mortgage	Conventional, FHA, VA	38	1.8%	76.9%	$135,789
Mortgage Research Center	Conventional, FHA, VA, Jumbo	32	1.5%	63.5%	$399,375
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	32	1.5%	100%	$287,812
Spring Eq, LLC	Conventional, HELOC	27 +10 HELOCs	1.3%	40.9%	$77,592
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	22 +15 HELOCs	1%	95.7%	$265,454
Planet Home Lending, LLC	Conventional, FHA, VA, Jumbo	22	1%	95.7%	$359,090
Amerisave Mortgage Company	Conventional, FHA, VA	21	1%	39.6%	$191,666
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	20	0.9%	95.2%	$317,000
Everett Financial, Inc.	Conventional, FHA	16	0.7%	100%	$280,625
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	14 +2 HELOCs	0.7%	100%	$254,285
Lennar Mortgage, LLC	Conventional, FHA	13	0.6%	76.5%	$371,923
Panorama Mortgage Group, LLC	Conventional, FHA	11	0.5%	100%	$234,090
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.5%	30%	$320,000
Equity Prime Mortgage LLC	FHA	9	0.4%	90%	$341,666
New Day Financial, LLC.	VA	8	0.4%	72.7%	$390,000
Triad Financial Services, Inc.	Conventional	7	0.3%	66.7%	$129,285
The Loan Store, Inc	Conventional, FHA, VA, HELOC	6 +6 HELOCs	0.3%	80%	$318,333
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	6 +3 HELOCs	0.3%	85.7%	$416,666
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, HELOC	6 +3 HELOCs	0.3%	100%	$440,000	View
American Financing Corporation	Conventional, FHA, VA	6	0.3%	75%	$280,000
Primelending	Conventional, VA	5	0.2%	100%	$305,000
Self Help Federal Credit Union	Conventional	5	0.2%	100%	$259,000
Village Capital & Investment	FHA, VA	5	0.2%	69.2%	$383,000
Quorum Federal Credit Union	Conventional, HELOC	4 +14 HELOCs	0.2%	100%	$80,000
Primary Residential Mortgage, INC.	Conventional, FHA	4	0.2%	100%	$372,500
Mutual of Omaha Mortgage	Conventional, VA	4	0.2%	57.1%	$480,000
Fairway Independent Mort Corp	Conventional, FHA	4	0.2%	100%	$252,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	4	0.2%	66.7%	$495,000	View
Discover Bank	Conventional	3	0.1%	21.4%	$68,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	3	0.1%	60%	$548,333	View
First Alliance Credit Union A+5.0 ★Texas Ratio: 0.55%	Conventional	3	0.1%	100%	$365,000	View
Nations Direct Mortgage, LLC	FHA, VA	3	0.1%	100%	$405,000
21St Mortgage	Conventional	3	0.1%	33.3%	$81,666
Angel Oak Mortgage Solutions LLC	Conventional	3	0.1%	100%	$485,000
Genisys Credit Union	Conventional	2	0.1%	100%	$415,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$365,000	View
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.1%	66.7%	$205,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$490,000
PHH Mortgage Corporation	FHA	2	0.1%	100%	$395,000
Deephaven Mortgage LLC	Conventional	2	0.1%	33.3%	$530,000
Union Home Mortgage Corp.	VA	2	0.1%	100%	$380,000
Ameritrust Mortgage Corporation	Conventional	2	0.1%	66.7%	$280,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$570,000	View
V.I.P. Mortgage, Inc.	Conventional	2	0.1%	100%	$450,000
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$370,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +3 HELOCs	0%	33.3%	$305,000
Alliant Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$465,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$425,000	View
Arc Home LLC	Conventional	1	0%	100%	$235,000
First State Bank A5.0 ★Texas Ratio: 6.84%	Conventional	1	0%	100%	$155,000	View
First Community Mortgage, Inc.	Conventional	1	0%	100%	$565,000
American Financial Resources LLC	FHA	1	0%	100%	$405,000
Royal United Mortgage LLC	Conventional	1	0%	100%	$55,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0%	100%	$335,000	View
Sage Home Loans Corporation	Conventional	1	0%	50%	$475,000
Movement Mortgage, LLC	Conventional	1	0%	100%	$405,000
Loanunited.Com, LLC	FHA	1	0%	50%	$335,000
Michigan Mutual, Inc	Conventional	1	0%	100%	$215,000
Nqm Funding, LLC	Conventional	1	0%	80%	$575,000
Peak Residential Lending Inc	Conventional	1	0%	100%	$245,000
Oceanside Mortgage Company	FHA	1	0%	100%	$325,000
Credit Human Federal Credit Un	Conventional	1	0%	75%	$115,000
myCUmortgage	FHA	1	0%	100%	$325,000
Strong Home Mortgage, LLC	FHA	1	0%	100%	$285,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$75,000
Encompass Lending Group, L.P.	FHA	1	0%	100%	$415,000
Peoples Mortgage Company	Conventional	1	0%	100%	$145,000
Utah Power Credit Union	Conventional	1	0%	100%	$135,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0%	100%	$355,000	View
Agwest Farm Credit, Flca	Conventional	1	0%	100%	$475,000
Prosperity Home Mortgage, LLC	Conventional	1	0%	100%	$355,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$205,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0%	25%	$85,000	View
Lower, LLC	Conventional	1	0%	100%	$95,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$465,000	View
State Departmenet Federal Credit Union	Conventional	1	0%	100%	$155,000
Texana Bank	VA	1	0%	100%	$615,000
Top Flite Financial, Inc.	FHA	1	0%	100%	$55,000
Leaderone Financial Corp.	Conventional	1	0%	100%	$355,000
Champions Funding, LLC	Conventional	1	0%	50%	$185,000
American Neighborhood Mortgage Acceptance Company	VA	1	0%	100%	$425,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +17 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +6 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Wings Financial Credit Union A+5.0 ★Texas Ratio: 2.07%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumers Credit Union	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.

Visalia 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 Visalia, California

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

Types of Mortgage Lenders in Visalia, CA

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

Mortgage companies and brokers 115 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 31 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 36 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 71 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 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 9 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 76 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Visalia, CA

Independent mortgage companies closed 88.4 percent of home loans in Visalia, California in 2025, banks 7.4 percent and credit unions 4.2 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Educational Employees Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 6 loans.

88.4%

Mortgage companies

7.4%

Banks

4.2%

Credit unions

29%

FHA loans

11%

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 Visalia, CA

Who is the largest mortgage lender in Visalia, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Visalia, California with 42 loans, about 2 percent of the market. The largest lender headquartered in California was Bank of America NA with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Visalia, California, Change Lending approved the highest share of completed applications in 2025 at 96.5 percent, against a 82.4 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 Visalia, CA mortgage lenders offer FHA, VA and USDA loans?

71 lenders closed FHA loans in Visalia, California in 2025, led by Golden Empire Mortgage, Inc. with 84. 47 lenders closed VA loans, led by Mortgage Research Center, 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 Visalia, CA lender list?

Yes. 31 banks and 36 credit unions closed home loans in Visalia, California in 2025, alongside 115 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 Visalia, CA ranked on this page?

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