Mortgage Lenders and Brokers in Winter Gardens, 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
Winter Gardens, California mortgage lenders include Mission Federal Credit UnionMission Federal Credit Union1301 17th St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Banner BankBanner Bank5901 Priestly Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.91%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, and Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%. 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 Winter Gardens, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winter 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 Winter Gardens, California
Market share is the lender's share of all home loans closed in Winter 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 |
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1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 3 +8 HELOCs |
1.1% | 100% | $431,666 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 3 +4 HELOCs |
1.1% | 80% | $81,666 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +2 HELOCs |
1.1% | 75% | $275,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.1% | 100% | $708,333 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 2 | 0.8% | 100% | $30,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.8% | 100% | $105,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $645,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
FHA | 1 | 0.4% | 100% | $795,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.4% | 100% | $715,000 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.4% | 100% | $585,000 | View |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 33.3% | $115,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.4% | 100% | $715,000 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 14 | 5.3% | 83.3% | $632,857 | |
Kind Lending, LLC
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Conventional | 5 | 1.9% | 100% | $231,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.8% | 100% | $570,000 | |
Stg Mortgage Inc
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FHA | 2 | 0.8% | 100% | $765,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.8% | 100% | $450,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 0.8% | 100% | $585,000 | |
Residential Wholesale Mortgage
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FHA | 1 | 0.4% | 100% | $725,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.4% | 100% | $735,000 | |
Watermark Capital, Inc.
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VA | 1 | 0.4% | 100% | $445,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.4% | 33.3% | $415,000 | |
Resicentral LLC
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FHA | 1 | 0.4% | 100% | $725,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 50% | $95,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $455,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.4% | 100% | $645,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.4% | 100% | $775,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.4% | 100% | $595,000 | |
Greenbox Loans
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Conventional | 1 | 0.4% | 100% | $625,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,165,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.4% | 100% | $445,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.4% | 50% | $745,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $785,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 64 +8 HELOCs |
24.3% | 87.7% | $607,031 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 12.9% | 91.9% | $472,058 | |
Triad Financial Services, Inc.
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Conventional | 16 | 6.1% | 63.2% | $215,625 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 3% | 88.9% | $583,750 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 7 | 2.7% | 100% | $655,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +8 HELOCs |
2.3% | 60% | $315,000 | |
21St Mortgage
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Conventional | 6 | 2.3% | 31.6% | $206,666 | |
The Loan Store, Inc
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Conventional | 5 | 1.9% | 83.3% | $507,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +4 HELOCs |
1.5% | 33.3% | $120,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 1.5% | 100% | $735,000 | |
Freedom Mortgage Corporation
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VA | 3 | 1.1% | 75% | $451,666 | |
Credit Human Federal Credit Un
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Conventional | 3 | 1.1% | 55.6% | $148,333 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 1.1% | 100% | $481,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 2 | 0.8% | 100% | $595,000 | View |
Bay Equity LLC
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Conventional, VA | 2 | 0.8% | 100% | $395,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.8% | 100% | $680,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 50% | $570,000 | |
Village Capital & Investment
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VA | 2 | 0.8% | 66.7% | $815,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
American Financial Resources LLC
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VA | 1 | 0.4% | 100% | $765,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.4% | 100% | $15,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.4% | 100% | $675,000 | View |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.4% | 50% | $395,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $585,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 25% | $95,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
Obsidian Financial Services
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FHA | 1 | 0.4% | 100% | $785,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $745,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.4% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 1.41% |
VA | 1 | 0.4% | 100% | $915,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 0.4% | 100% | $415,000 | View |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.4% | 100% | $625,000 | |
Lower, LLC
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,085,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.4% | 100% | $695,000 | |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
HomeStreet Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Winter 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 Winter Gardens, California
Looking for mortgage lenders near me or mortgage brokers near me in Winter Gardens? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winter Gardens in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winter Gardens, CA
Use these to narrow the list above. Each category shows how many Winter Gardens, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Winter Gardens, CA
Independent mortgage companies closed 87.5 percent of home loans in Winter Gardens, California in 2025, banks 6.1 percent and credit unions 6.5 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Mission Federal Credit Union led with 3 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 Winter Gardens, CA
By home loans closed in 2025, Mission Federal Credit Union was the largest mortgage lender in Winter Gardens, California with 3 loans, about 1.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Winter Gardens, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87.7 percent, against a 77.2 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.
13 lenders closed FHA loans in Winter Gardens, California in 2025, led by United Wholesale Mortgage with 17. 23 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. 18 banks and 16 credit unions closed home loans in Winter Gardens, California in 2025, alongside 64 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 Winter 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 Winter 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 Winter 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.
