Mortgage Lenders and Brokers in Waterford, 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
Waterford, California mortgage lenders include BMO Harris Bank NABMO Harris Bank NA12710 Bentley St, Waterford, CA 95386A+5.0 ★Texas Ratio: 3.54%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, 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 Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. 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 Waterford, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waterford 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 Waterford, California
Market share is the lender's share of all home loans closed in Waterford, 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 Waterford 12710 Bentley St, Waterford, CA 95386 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 3 +7 HELOCs |
1.9% | 75% | $95,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 6 | 3.7% | 75% | $446,666 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $345,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 100% | $320,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional | 1 | 0.6% | 50% | $85,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.6% | 100% | $825,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 50% | $645,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
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 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 7 | 4.3% | 100% | $423,571 | |
Kind Lending, LLC
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Conventional, FHA | 5 | 3.1% | 100% | $347,000 | |
Generations Home Loans, LLC
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Conventional, FHA | 5 | 3.1% | 100% | $421,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 2.5% | 66.7% | $272,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 4 | 2.5% | 80% | $210,000 | View |
JMAC Lending, Inc.
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Conventional, FHA | 4 | 2.5% | 100% | $480,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1.9% | 60% | $425,000 | |
Flexpoint, Inc.
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Conventional, FHA | 3 | 1.9% | 100% | $475,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 2 | 1.2% | 100% | $605,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $55,000 | |
Infinity Equity Group, Inc.
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VA | 1 | 0.6% | 100% | $735,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.6% | 100% | $225,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $475,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.6% | 33.3% | $275,000 | |
Land Home Financial Services,
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VA | 1 | 0.6% | 100% | $535,000 | |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.6% | 100% | $405,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.6% | 100% | $155,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 100% | $615,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.6% | 50% | $345,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 21 +1 HELOCs |
13% | 72.4% | $449,761 | |
Rocket Mortgage
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Conventional, FHA | 15 | 9.3% | 83.3% | $301,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, USDA, HELOC | 9 +1 HELOCs |
5.6% | 100% | $359,444 | |
CrossCountry Mortgage, LLC
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Conventional | 6 | 3.7% | 100% | $345,000 | |
The Loan Store, Inc
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Conventional | 4 | 2.5% | 100% | $407,500 | |
DHI Mortgage Company, LTD.
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Conventional, FHA | 4 | 2.5% | 100% | $475,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 1.9% | 50% | $235,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.9% | 100% | $385,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 1.9% | 100% | $338,333 | |
Amerisave Mortgage Company
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $70,000 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.2% | 100% | $550,000 | |
Discover Bank
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Conventional | 2 | 1.2% | 66.7% | $85,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 1.2% | 100% | $415,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.2% | 66.7% | $125,000 | |
Mortgage Research Center
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VA | 2 | 1.2% | 66.7% | $480,000 | |
21St Mortgage
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Conventional | 2 | 1.2% | 100% | $50,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
myCUmortgage
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Conventional | 1 | 0.6% | 100% | $525,000 | |
Homeowners Financial Group, LLC
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VA | 1 | 0.6% | 100% | $545,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $365,000 | |
Mortgage Solutions of Colorado
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Conventional | 1 | 0.6% | 100% | $475,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $75,000 | |
Agwest Farm Credit, Flca
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Conventional, Jumbo | 1 | 0.6% | 100% | $2,725,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 100% | $505,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $365,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 33.3% | $25,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.6% | 50% | $525,000 | |
Village Capital & Investment
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FHA | 1 | 0.6% | 100% | $405,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Waterford 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 Waterford, California
Looking for mortgage lenders near me or mortgage brokers near me in Waterford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waterford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waterford, CA
Use these to narrow the list above. Each category shows how many Waterford, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Waterford, CA
Independent mortgage companies closed 90.1 percent of home loans in Waterford, California in 2025, banks 7.4 percent and credit unions 2.5 percent. Synergy One Lending, Inc. was the largest mortgage company, BMO Harris Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Synergy One Lending, Inc. led with 6 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 Waterford, CA
By home loans closed in 2025, BMO Harris Bank NA was the largest mortgage lender in Waterford, California with 3 loans, about 1.9 percent of the market. The largest lender headquartered in California was Synergy One Lending, Inc. with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Waterford, California in 2025, led by Rocket Mortgage with 5. 9 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.
Yes. 12 banks and 5 credit unions closed home loans in Waterford, California in 2025, alongside 49 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 Waterford, 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 Waterford, 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 Waterford. 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.
