Big Valley Mortgage

What Big Valley Mortgage does

Big Valley Mortgage is a privately held, Fresno, California-based residential mortgage brokerage that originates and refinances home loans for individual consumers, primarily in California's Central Valley and across the state. Per the firmographic profile, the firm was founded in 1990, although the company website does not disclose a founding date and lists no parent company, subsidiaries, or external investors. Operationally, the business runs through a single licensed loan officer, Caleb Parmenter (Sales Manager/Loan Officer, NMLS #938569), who is the named point of contact and the public face of the brand under the domain loansbycaleb.com.

The product portfolio spans the full spectrum of agency and government-backed residential mortgage products: 30-year and 15-year fixed-rate mortgages, adjustable-rate mortgages, FHA, VA, USDA, Jumbo, FHA 203k renovation loans, reverse mortgages (HECM), home equity products, and down payment assistance programs. The company is licensed and markets itself statewide in California, with a stated concentration in six Central Valley communities (Fresno, Clovis, Visalia, Sanger, Madera, Dinuba) and a geographic exclusion of New York. Distribution is direct-to-consumer via the website (online 1003 application, mortgage calculators, community pages with Yelp data), phone, and in-person consultation at the headquarters office at 7485 N Palm Ave, #101, Fresno. Marketing channels include organic SEO, social media (Facebook, Twitter/X, LinkedIn, Pinterest), Google AdSense paid display, and real-estate-agent referrals.

Big Valley Mortgage earns revenue through mortgage origination transaction fees and the secondary-market spread, with no disclosed pricing, public rate cards, or contractual pricing tiers. The technology stack is minimal and entirely third-party: Google Translate for multilingual support, Google Analytics and DoubleClick for tracking, Google AdSense for paid acquisition, and a Yelp embed for community content. There are no proprietary platforms, no API, no developer tools, no AI/ML systems, no patents, no certifications beyond the NMLS license, no disclosed partnerships, and no awards. The leadership section lists founder Kathie Garnier as owner alongside operating loan officer Caleb Parmenter.

Name

Big Valley Mortgage

Legal name

Big Valley Mortgage

Website

https://loansbycaleb.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

Big Valley Mortgage is a Fresno, California-based residential mortgage brokerage originating purchase and refinance loans (FHA, VA, USDA, conventional, jumbo, reverse) for individual consumers in the Central Valley and across California, operated by a single licensed loan officer under the loansbycaleb.com brand.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing
• Government-backed mortgages
• Home equity loans

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Big Valley Mortgage generates revenue through mortgage origination fees and the spread between loan origination and sale of mortgages into the secondary market. The company offers various loan products including conventional, FHA, VA, USDA, jumbo, and reverse mortgages for home purchases and refinances throughout California.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Big Valley Mortgage is a Fresno, California-based mortgage brokerage that originates home purchase loans, refinances, and home equity products for individual consumers. The company offers conventional fixed-rate and adjustable-rate mortgages, government-backed FHA, VA, and USDA loans, jumbo loans, FHA 203k renovation loans, and reverse mortgages, delivered through direct consultation with a licensed loan officer.

Product overview

Big Valley Mortgage, operated by Caleb Parmenter, offers a comprehensive suite of mortgage lending products through a single unified service model. The core offering consists of various loan programs including fixed-rate mortgages (15 and 30-year terms), adjustable rate mortgages, and government-backed loans (FHA, VA, USDA). Specialty products include jumbo loans for high-value properties and FHA 203k renovation financing. The company also provides home refinance options and home equity products. All offerings are accessed through a consumer-facing website with online application forms and evaluation tools, designed for home buyers and refinancers throughout California's Central Valley region.

Differentiator

Problem solved

Functional benefit

Products and services

• 30 Year Fixed Mortgage

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• New American Funding: Retail mortgage lender that, like Big Valley Mortgage, specializes in FHA, VA, USDA, and conventional loans for underserved and first-time buyer segments. Both operate consumer-direct origination models with strong Hispanic-market focus.
• Fairway Independent Mortgage Corporation: Retail mortgage lender with a strong branch and community-based originat...

Broad incumbents

• loanDepot: Large national retail and wholesale mortgage lender offering the full suite of purchase, refi, FHA, VA, USDA, and HELAN products. Comparable product breadth; vastly larger scale, but the same consumer-direct purchase and refi proposition.
• Rocket Mortgage: Largest US online mortgage lender; competes directly for consumer-direct purchase and refi demand. A technology-led scale player that defines the digital competitive backdrop for small retail brokers like Big Valley.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/intent/tweet?text=Home%20-%20https%3A%2F%2Floansbycaleb.com%2F
• Facebookfacebook.com/LoansbyCaleb
• LinkedInlinkedin.com/shareArticle?mini=true&url=https%3A%2F%2Floansbycaleb.com%2F&title=Home
• Pinterestpinterest.com/pin/create/button/?url=https%3A%2F%2Floansbycaleb.com%2F&media=https://d2q7jf20ufvx4s.cloudfront.net/mortgage/images/mortgage-35.jpg&description=Home

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Big Valley Mortgage