Mortgage Lenders and Brokers in Bonsall, 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
Bonsall, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Frontwave Credit UnionFrontwave Credit Union995 Armory Rd, Barstow, CA 92311A+5.0 ★Texas Ratio: 5.74%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Provident Credit UnionProvident Credit Union2250 S Shore Ctr Ste C, Alameda, CA 94501A+5.0 ★Texas Ratio: 0.49%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, 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%, and Wheelhouse Credit UnionWheelhouse Credit Union344 F St, Chula Vista, CA 91910 2645A+5.0 ★Texas Ratio: 1.23%. 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 Bonsall, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bonsall 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 Bonsall, California
Market share is the lender's share of all home loans closed in Bonsall, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, Jumbo, HELOC | 7 +1 HELOCs |
6% | 77.8% | $607,857 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1.7% | 100% | $1,245,000 | View |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $1,345,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.9% | 100% | $995,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo | 1 | 0.9% | 100% | $2,385,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.9% | 50% | $635,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
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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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 14 +1 HELOCs |
12.1% | 100% | $909,285 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 7 | 6% | 87.5% | $845,000 | |
Residential Wholesale Mortgage
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Conventional, VA | 2 | 1.7% | 100% | $375,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 2 | 1.7% | 100% | $1,325,000 | |
AmWest Funding Corp
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Conventional, FHA, Jumbo | 2 | 1.7% | 100% | $1,010,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.9% | 100% | $655,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.9% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.9% | 100% | $455,000 | View |
JMJ Financial Group Inc.
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Conventional | 1 | 0.9% | 100% | $765,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.9% | 100% | $345,000 | |
Southland Credit Uniom
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Conventional | 1 | 0.9% | 100% | $505,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,205,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,275,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.9% | 100% | $755,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 26 +2 HELOCs |
22.4% | 96.3% | $711,153 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 10 | 8.6% | 76.9% | $784,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 4 +4 HELOCs |
3.4% | 57.1% | $552,500 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.6% | 100% | $635,000 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.7% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.7% | 100% | $620,000 | View |
The Loan Store, Inc
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Conventional | 2 | 1.7% | 100% | $610,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.7% | 100% | $750,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 25% | $305,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.9% | 100% | $845,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0.9% | 100% | $155,000 | View |
Primelending
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Conventional | 1 | 0.9% | 100% | $375,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.9% | 50% | $75,000 | |
Newrez LLC
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Conventional | 1 | 0.9% | 100% | $355,000 | |
Signature Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $205,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 50% | $225,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.9% | 100% | $455,000 | |
Advancial Federal Credit Union
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,435,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
VA | 1 | 0.9% | 100% | $425,000 | View |
Cardinal Financial Company, Li
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Conventional | 1 | 0.9% | 100% | $405,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 33.3% | $95,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.9% | 100% | $755,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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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 | ||
Unitus Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bonsall 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 Bonsall, California
Looking for mortgage lenders near me or mortgage brokers near me in Bonsall? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bonsall in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bonsall, CA
Use these to narrow the list above. Each category shows how many Bonsall, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Bonsall, CA
Independent mortgage companies closed 80.2 percent of home loans in Bonsall, California in 2025, banks 10.3 percent and credit unions 9.5 percent. loanDepot.com LLC was the largest mortgage company, US Bank, N.A. the largest bank and Frontwave Credit Union the largest credit union. Among lenders headquartered in California, Frontwave 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 Bonsall, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Bonsall, California with 7 loans, about 6 percent of the market. The largest lender headquartered in California was Frontwave Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Bonsall, California in 2025, led by loanDepot.com LLC with 2. 10 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. 9 banks and 15 credit unions closed home loans in Bonsall, California in 2025, alongside 31 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 Bonsall, 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 Bonsall, 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 Bonsall. 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.
