Mortgage Lenders and Brokers in Whitley Gardens, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Whitley Gardens, California mortgage lenders include The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, CoastHills Credit UnionCoastHills Credit Union1580 W Branch St, Arroyo Grande, CA 93420 1819, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Logix Federal Credit UnionLogix Federal Credit Union100 N First St Ste 100, Burbank, CA 91502 1845A+5.0 ★Texas Ratio: 5.23%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.69%, Monterra Credit UnionMonterra Credit Union415 Westlake Ctr, Daly City, CA 94015 1432A+5.0 ★Texas Ratio: 2.93%, Umb Bank NAUmb Bank NA255 E River Park Cir, Fresno, CA 93720A+5.0 ★Texas Ratio: 1.78%, and Sesloc Credit UnionSesloc Credit Union1399 E Grand Ave, Arroyo Grande, CA 93420 2421. 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 Whitley Gardens, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Whitley Gardens 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 Whitley Gardens, California
Market share is the lender's share of all home loans closed in Whitley Gardens, 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 |
|---|---|---|---|---|---|---|
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
2% | 100% | $215,000 | View |
|
590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 100% | $715,000 | View |
|
14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 2% | 100% | $1,955,000 | View |
|
1580 W Branch St, Arroyo Grande, CA 93420 1819 |
Conventional | 1 | 2% | 100% | $125,000 | View |
|
5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2% | 100% | $365,000 | View |
|
100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional | 1 | 2% | 100% | $315,000 | View |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 2% | 100% | $115,000 | View |
|
415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 2% | 100% | $175,000 | View |
|
255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 2% | 100% | $25,000 | View |
|
1399 E Grand Ave, Arroyo Grande, CA 93420 2421 |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Paramount Residential Mortgage
|
Conventional, FHA | 4 | 8% | 100% | $542,500 | |
Kind Lending, LLC
|
Conventional | 3 | 6% | 100% | $655,000 | |
Pennymac Loan Services LLC
|
Conventional | 2 | 4% | 66.7% | $110,000 | |
Golden Empire Mortgage, Inc.
|
Conventional | 1 | 2% | 100% | $585,000 | |
loanDepot.com LLC
|
Conventional | 1 | 2% | 100% | $265,000 | |
Home Mortgage Alliance Corp (Hmac)
|
Conventional | 1 | 2% | 100% | $545,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 2% | 100% | $535,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 2% | 100% | $595,000 | |
Coastal Funding SLC, Inc.
|
FHA | 1 | 2% | 100% | $765,000 | |
Carrington Mortgage Services LLC
|
Conventional | 1 | 2% | 100% | $95,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 6 | 12% | 100% | $445,000 | |
Guaranteed Rate, Inc.
|
FHA, VA | 4 | 8% | 100% | $757,500 | |
Rocket Mortgage
|
Conventional, VA | 4 | 8% | 100% | $510,000 | |
United Wholesale Mortgage
|
Conventional, VA, HELOC | 3 +1 HELOCs |
6% | 100% | $425,000 | |
Newrez LLC
|
Conventional | 2 | 4% | 66.7% | $515,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 50% | $515,000 | |
|
A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 2% | 100% | $655,000 | View |
Freedom Mortgage Corporation
|
VA | 1 | 2% | 50% | $685,000 | |
Nationstar Mortgage
|
Conventional | 1 | 2% | 100% | $115,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 1 | 2% | 100% | $495,000 | |
21St Mortgage
|
Conventional | 1 | 2% | 33.3% | $815,000 | |
Alliant Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Whitley Gardens 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 Whitley Gardens, California
Looking for mortgage lenders near me or mortgage brokers near me in Whitley Gardens? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Whitley Gardens in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Whitley Gardens, CA
Use these to narrow the list above. Each category shows how many Whitley Gardens, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Whitley Gardens, CA
Independent mortgage companies closed 80 percent of home loans in Whitley Gardens, California in 2025, banks 6 percent and credit unions 14 percent. Paramount Residential Mortgage was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, The Golden 1 Credit Union led with 1 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 Whitley Gardens, CA
By home loans closed in 2025, The Golden 1 Credit Union was the largest mortgage lender in Whitley Gardens, California with 1 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Whitley Gardens, California in 2025, led by Guaranteed Rate, Inc. with 3. 4 lenders closed VA loans, led by Guaranteed Rate, Inc.. 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. 6 banks and 10 credit unions closed home loans in Whitley Gardens, California in 2025, alongside 21 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 Whitley Gardens, 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 Whitley Gardens, 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 Whitley Gardens. 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.
