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Mortgage Lenders and Brokers in Carlsbad, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Carlsbad, California mortgage lenders include US Bank, N.A.US Bank, N.A.770 Carlsbad Village Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7176 Avenida Encinas, Carlsbad, CA 92011A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2560 El Camino Real, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA7700 El Camino Real, Carlsbad, CA 92009A+5.0 ★Texas Ratio: 4.14%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.675 Carlsbad Village Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 3.72%, City National BankCity National Bank2011 Palomar Airport Rd, Carlsbad, CA 92011A+5.0 ★Texas Ratio: 5.55%, PNC Bank N.A.PNC Bank N.A.3231 Camino De Los Coches, Carlsbad, CA 92009A+5.0 ★Texas Ratio: 4.24%, Banner BankBanner Bank5901 Priestly Dr, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 2.91%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust6088 Innovation Way, Carlsbad, CA 92009A5.0 ★Texas Ratio: 7.72%, and Columbia BankColumbia Bank7690 El Camino Real, Carlsbad, CA 92009A+5.0 ★Texas Ratio: 2.28%. 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 Carlsbad, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carlsbad 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 Carlsbad, California

Market share is the lender's share of all home loans closed in Carlsbad, 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
US Bank, N.A. 3 offices in Carlsbad 770 Carlsbad Village Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	135 +44 HELOCs	8.2%	89%	$899,814	View
JPMorgan Chase Bank, NA 6 offices in Carlsbad 7176 Avenida Encinas, Carlsbad, CA 92011 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	54 +4 HELOCs	3.3%	88.7%	$1,176,296	View
Wells Fargo Bank NA 4 offices in Carlsbad 2560 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	46	2.8%	82.1%	$1,332,608	View
Bank of America NA 5 offices in Carlsbad 7700 El Camino Real, Carlsbad, CA 92009 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	36 +76 HELOCs	2.2%	90%	$1,188,888	View
Zions Bancorporation, N.A. 2 offices in Carlsbad 675 Carlsbad Village Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	8 +19 HELOCs	0.5%	100%	$1,781,250	View
City National Bank 1 office in Carlsbad 2011 Palomar Airport Rd, Carlsbad, CA 92011 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.3%	100%	$1,891,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Carlsbad 3231 Camino De Los Coches, Carlsbad, CA 92009 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +12 HELOCs	0.1%	100%	$985,000	View
Banner Bank 1 office in Carlsbad 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	1 +5 HELOCs	0.1%	100%	$1,445,000	View
First Ciitizens Bank and Trust 1 office in Carlsbad 6088 Innovation Way, Carlsbad, CA 92009 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$805,000	View
Columbia Bank 1 office in Carlsbad 7690 El Camino Real, Carlsbad, CA 92009 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo	1	0.1%	50%	$1,645,000	View
MortgageOne, Inc	Conventional, Jumbo	7	0.4%	87.5%	$1,283,571
Mission Federal Credit Union 710 Carlsbad Village Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	33 +83 HELOCs	2%	97.4%	$931,666	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	17 +3 HELOCs	1%	89.5%	$1,363,823	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	13	0.8%	100%	$1,003,461	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	12 +13 HELOCs	0.7%	100%	$541,666	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, VA, Jumbo	8	0.5%	100%	$1,321,250
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	Conventional, Jumbo, HELOC	7 +20 HELOCs	0.4%	57.1%	$256,428	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo, HELOC	7 +2 HELOCs	0.4%	100%	$967,857	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.4%	85.7%	$1,016,666	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.4%	70%	$371,666	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	5 +36 HELOCs	0.3%	100%	$209,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, Jumbo, HELOC	5 +10 HELOCs	0.3%	71.4%	$477,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.3%	83.3%	$1,111,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, VA, Jumbo	5	0.3%	100%	$813,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	4	0.2%	100%	$687,500	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.2%	75%	$1,828,333	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$1,321,666	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	3	0.2%	100%	$898,333	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	2 +14 HELOCs	0.1%	66.7%	$605,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$250,000	View
Citizens Business Bank, NA 19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	2	0.1%	100%	$910,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	2	0.1%	100%	$1,315,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,325,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$455,000	View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$695,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$225,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$555,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
First Western Trust Bank 1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16%	Conventional, Jumbo	1	0.1%	100%	$1,525,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$75,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional, Jumbo	1	0.1%	100%	$1,195,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo	1	0.1%	100%	$1,855,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$295,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0.1%	100%	$1,705,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	1	0.1%	100%	$1,085,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0.1%	100%	$655,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$245,000	View
Umb Bank NA 255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78%	Conventional, Jumbo	1	0.1%	100%	$1,575,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	HELOC	0 +8 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +7 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +2 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +2 HELOCs	0%	n/a		View
Ventura County Credit Union 520 Arneill Rd, Camarillo, CA 93010 6414 B4.6 ★Texas Ratio: 19.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +1 HELOCs	0%	n/a		View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	63	3.8%	88.9%	$1,011,984
loanDepot.com LLC	Conventional, VA, HELOC	17 +4 HELOCs	1%	90%	$410,294
Nexera Holding LLC	Conventional, Jumbo	16	1%	88.9%	$1,210,625
AmWest Funding Corp	Conventional, Jumbo, HELOC	14 +5 HELOCs	0.8%	100%	$915,714
New American Funding, LLC.	Conventional, Jumbo	12	0.7%	70.6%	$588,333
Residential Wholesale Mortgage	Conventional, Jumbo	11	0.7%	100%	$765,909
Franklin Loan Corporation	Conventional, VA, Jumbo	10	0.6%	100%	$1,293,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	9	0.5%	90.9%	$975,000	View
Kind Lending, LLC	Conventional, Jumbo, HELOC	8 +2 HELOCs	0.5%	57.1%	$1,061,250
Vista Point Mortgage, LLC	Conventional, Jumbo	8	0.5%	88.9%	$723,750
Fundloans Capital	Conventional, Jumbo	7	0.4%	87.5%	$1,142,142
JMJ Financial Group Inc.	Conventional, Jumbo	7	0.4%	100%	$853,571
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	7	0.4%	87.5%	$1,069,285
Paramount Residential Mortgage	Conventional	6	0.4%	100%	$621,666
JMAC Lending, Inc.	Conventional	6	0.4%	85.7%	$733,333
Guild Mortgage Company	Conventional, Jumbo	5	0.3%	100%	$611,000
Golden Empire Mortgage, Inc.	Conventional, Jumbo	4	0.2%	100%	$1,050,000
Resicentral LLC	Conventional	4	0.2%	100%	$802,500
American Financial Network, Inc.	Conventional, Jumbo	4	0.2%	100%	$1,237,500
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	4	0.2%	100%	$685,000	View
Zillow Home Loans, LLC	Conventional	4	0.2%	100%	$555,000
Carrington Mortgage Services LLC	Conventional, VA, Jumbo	4	0.2%	66.7%	$795,000
Cake Mortgage Corp.	Conventional, Jumbo	4	0.2%	100%	$1,652,500
Watermark Capital, Inc.	Conventional, Jumbo	3	0.2%	60%	$1,105,000
AAA Capital Investment, Inc	Conventional, Jumbo	3	0.2%	100%	$698,333
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$701,666
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.2%	100%	$841,666
Flexpoint, Inc.	Conventional	3	0.2%	100%	$565,000
San Diego Funding	Conventional, FHA, Jumbo	3	0.2%	100%	$911,666
Stg Mortgage Inc	Conventional, Jumbo	3	0.2%	100%	$1,178,333
Hometown Equity Mortgage, LLC	Conventional, Jumbo	3	0.2%	50%	$1,345,000
Citadel Servicing Corporation	Conventional, Jumbo	3	0.2%	100%	$1,141,666
ClearEdge Lending LLC	Conventional, Jumbo	3	0.2%	100%	$1,608,333
Nmsi, Inc.	Conventional, Jumbo	3	0.2%	100%	$1,071,666
Alameda Mortgage Corporation	Conventional	2	0.1%	100%	$675,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	2	0.1%	100%	$1,145,000
Googain, Inc.	Conventional	2	0.1%	100%	$570,000
Network Capital Funding Corporation	Conventional	2	0.1%	100%	$735,000
American Heritage Lending, LLC	Conventional, Jumbo	2	0.1%	100%	$1,190,000
Provident Funding Associates	Conventional	2	0.1%	100%	$730,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.1%	100%	$1,335,000
Sierra Pacific Mortgage Co. Inc	Conventional, Jumbo	2	0.1%	100%	$1,230,000
Iserve Residential Lending	Conventional	2	0.1%	100%	$615,000
Arcstone Financial Inc	Conventional, Jumbo	2	0.1%	100%	$1,180,000
ML Mortgage Corp.	Conventional	1	0.1%	100%	$1,035,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$3,505,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$405,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$1,475,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$455,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$1,065,000
Dignified Home Loans LLC	Conventional, Jumbo	1	0.1%	100%	$1,225,000
First Nations Home Finance Corporation	Conventional	1	0.1%	100%	$805,000
Greenbox Loans	Conventional, Jumbo	1	0.1%	100%	$725,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$595,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$175,000
Ony Glo, Inc.	Conventional	1	0.1%	33.3%	$355,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$835,000
Intelliloan, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,665,000
T. J. Financial, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,335,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Griffin Funding Inc.	Conventional	1	0.1%	100%	$505,000
Figure Lending LLC	HELOC	0 +23 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	0%
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Bay-Valley Mortgage Group	HELOC	0 +1 HELOCs	0%	n/a
Linked Home Loans, LLC dba Home Guide Mortgage	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	214 +40 HELOCs	12.9%	91.9%	$932,990
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	169 +2 HELOCs	10.2%	83.5%	$671,804
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	57 +5 HELOCs	3.4%	98.3%	$738,684
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	39 +3 HELOCs	2.4%	97.5%	$1,110,641
Newrez LLC	Conventional, FHA, VA, Jumbo	23	1.4%	76.7%	$873,260
Spring Eq, LLC	Conventional, HELOC	21 +8 HELOCs	1.3%	57.5%	$268,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	19 +28 HELOCs	1.1%	67.9%	$575,526
The Loan Store, Inc	Conventional, Jumbo, HELOC	18 +6 HELOCs	1.1%	92%	$728,888
Fairway Independent Mort Corp	Conventional, FHA, Jumbo	18	1.1%	94.7%	$872,777
Better Mortgage Corporation	Conventional, VA, Jumbo, HELOC	17 +8 HELOCs	1%	77.3%	$1,217,941
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	17 +7 HELOCs	1%	95.2%	$874,411	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	17 +1 HELOCs	1%	85.7%	$1,537,352	View
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo	15	0.9%	100%	$1,011,666
Kbhs Home Loans, LLC	Conventional, VA, Jumbo	14	0.8%	87.5%	$873,571
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	13 +2 HELOCs	0.8%	86.7%	$1,361,923	View
Originpoint, LLC	Conventional, VA, Jumbo	13	0.8%	100%	$1,474,230
Nationstar Mortgage	Conventional	11	0.7%	63.2%	$289,545
Primelending	Conventional, Jumbo	9	0.5%	100%	$779,444
Freedom Mortgage Corporation	Conventional, VA, Jumbo	8	0.5%	100%	$886,250
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	8	0.5%	100%	$922,500	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	8	0.5%	88.9%	$2,157,500	View
Amerisave Mortgage Company	Conventional	7	0.4%	46.7%	$183,571
Prosperity Home Mortgage, LLC	Conventional, Jumbo	7	0.4%	100%	$796,428
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.4%	100%	$835,000
Mortgage Research Center	VA, Jumbo	5	0.3%	100%	$1,111,000
Logan Finance Corporation	Conventional, Jumbo	5	0.3%	100%	$1,903,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +16 HELOCs	0.2%	50%	$152,500	View
HomeBridge Financial Services, Inc	Conventional, Jumbo, HELOC	4 +14 HELOCs	0.2%	80%	$1,015,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.2%	100%	$775,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	4	0.2%	77.8%	$360,000
Sage Home Loans Corporation	Conventional	4	0.2%	100%	$582,500
Intercap Lending Inc	Conventional, VA, Jumbo	4	0.2%	100%	$910,000
Bay Equity LLC	Conventional	4	0.2%	100%	$532,500
Champions Funding, LLC	Conventional, Jumbo	4	0.2%	66.7%	$795,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.2%	100%	$1,055,000	View
Emporium Tpo LLC	Conventional, Jumbo	3	0.2%	100%	$1,391,666
Foundation Mortgage Corporation	Conventional, Jumbo	3	0.2%	100%	$701,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	75%	$621,666	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	3	0.2%	100%	$1,618,333	View
Alliant Credit Union	Conventional, HELOC	2 +12 HELOCs	0.1%	66.7%	$950,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.1%	100%	$1,100,000
Oaktree Funding Corp	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$1,280,000
Digital Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$285,000
Arc Home LLC	Conventional, Jumbo	2	0.1%	100%	$1,185,000
Everett Financial, Inc.	Conventional, Jumbo	2	0.1%	100%	$915,000
NOVA Financial & Investment Corporation	Conventional, Jumbo	2	0.1%	100%	$855,000
Discover Bank	Conventional	2	0.1%	11.1%	$110,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$305,000
Ameritrust Mortgage Corporation	Conventional, Jumbo	2	0.1%	100%	$1,250,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	2	0.1%	100%	$930,000	View
Peoples Mortgage Company	Conventional, Jumbo	2	0.1%	100%	$1,395,000
Planet Home Lending, LLC	Conventional, VA, Jumbo	2	0.1%	100%	$620,000
Schaumburg Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 0.87%	Conventional, Jumbo	2	0.1%	100%	$1,180,000	View
V.I.P. Mortgage, Inc.	Conventional	2	0.1%	100%	$620,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$440,000
Compass Mortgage, Inc.	Conventional, Jumbo	2	0.1%	100%	$1,675,000
Quorum Federal Credit Union	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$355,000
First Technology Federal Credit Union	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$315,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	50%	$1,205,000	View
Communityamerica Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$385,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,795,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$475,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$2,285,000	View
Chain Bridge Bank, N.A. A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$325,000	View
Success Lending, LLC	Conventional	1	0.1%	100%	$555,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$895,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$705,000
PHH Mortgage Corporation	VA	1	0.1%	100%	$505,000
Milo Credit, LLC	Conventional, Jumbo	1	0.1%	100%	$2,005,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$655,000	View
Deephaven Mortgage LLC	Conventional	1	0.1%	25%	$255,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$775,000	View
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$1,055,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$1,055,000
Shea Mortgage Inc.	Conventional	1	0.1%	100%	$415,000
Altitude Financial Corporation	Conventional	1	0.1%	100%	$605,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$905,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional, Jumbo	1	0.1%	100%	$1,605,000
Credit Human Federal Credit Un	Conventional	1	0.1%	66.7%	$525,000
Citizens Equity First Credit U	Conventional, Jumbo	1	0.1%	100%	$1,345,000
myCUmortgage	Conventional	1	0.1%	100%	$415,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$605,000	View
Warshaw Capital, LLC	Conventional	1	0.1%	100%	$505,000
Union Home Mortgage Corp.	VA	1	0.1%	100%	$655,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$985,000
Service Federal Credit Union	Conventional, Jumbo	1	0.1%	50%	$1,145,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$155,000
My Mortgage, Inc	Conventional	1	0.1%	100%	$795,000
Nfm, Inc	Conventional	1	0.1%	100%	$895,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	Conventional, Jumbo	1	0.1%	100%	$1,105,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, Jumbo	1	0.1%	100%	$1,705,000	View
Nations Lending Corporation	Conventional	1	0.1%	100%	$275,000
Waterstone Mortgage Corporation	VA	1	0.1%	100%	$595,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$855,000
Bridgewater Bank A+5.0 ★Texas Ratio: 3.43%	Conventional, Jumbo	1	0.1%	100%	$1,605,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	50%	$605,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	VA	1	0.1%	100%	$735,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	FHA	1	0.1%	100%	$455,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$655,000
Lower, LLC	Conventional	1	0.1%	100%	$435,000
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$655,000
Luxury Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$2,195,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$805,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$755,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$505,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +14 HELOCs	0%	0%		View
Fourleaf Federal Credit Union	HELOC	0 +11 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +11 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +10 HELOCs	0%	0%
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +8 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Delta Community Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Carlsbad Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Carlsbad, California

Looking for mortgage lenders near me or mortgage brokers near me in Carlsbad? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carlsbad in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Carlsbad, CA

Use these to narrow the list above. Each category shows how many Carlsbad, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 140 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 55 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 47 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 10 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 29 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 122 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 106 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Carlsbad, CA

Independent mortgage companies closed 67.1 percent of home loans in Carlsbad, California in 2025, banks 25.9 percent and credit unions 7 percent. MortgageOne, Inc 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, Bank of America NA led with 36 loans.

67.1%

Mortgage companies

25.9%

Banks

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Carlsbad, CA

Who is the largest mortgage lender in Carlsbad, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Carlsbad, California with 135 loans, about 8.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 36 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Carlsbad, CA have the highest approval rates?

Among lenders with meaningful volume in Carlsbad, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.3 percent, against a 87.1 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.

Which Carlsbad, CA mortgage lenders offer FHA, VA and USDA loans?

10 lenders closed FHA loans in Carlsbad, California in 2025, led by United Wholesale Mortgage with 4. 29 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.

Are credit unions and local banks included in this Carlsbad, CA lender list?

Yes. 55 banks and 47 credit unions closed home loans in Carlsbad, California in 2025, alongside 140 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.

How are mortgage lenders in Carlsbad, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Carlsbad, 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 Carlsbad, 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 Carlsbad. 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.