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Mortgage Lenders and Brokers in Chula Vista, California

Content reviewed by

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

Chula Vista, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2121 Olympic Pkwy, Chula Vista, CA 91915A+5.0 ★Texas Ratio: 3.68%, Point Mortgage CorpPoint Mortgage Corp2610 El Camino Real Unit A, Carlsbad, CA 92008 1214A+5.0 ★Texas Ratio: 2.57%, US Bank, N.A.US Bank, N.A.1343 Third Ave, Chula Vista, CA 91911A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA2160 Birch Rd, Chula Vista, CA 91915A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1735 Eastlake Pkwy, Chula Vista, CA 91915A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA352 H St, Chula Vista, CA 91910A+5.0 ★Texas Ratio: 2.82%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.444 Third Ave, Chula Vista, CA 91910A+5.0 ★Texas Ratio: 3.72%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%, Banner BankBanner Bank279 F St, Chula Vista, CA 91910A+5.0 ★Texas Ratio: 2.91%, and First BankFirst Bank878 Eastlake Pkwy, Chula Vista, CA 91914A+5.0 ★Texas Ratio: 4.74%. 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 Chula Vista, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chula Vista 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 Chula Vista, California

Market share is the lender's share of all home loans closed in Chula Vista, 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
JPMorgan Chase Bank, NA 5 offices in Chula Vista 2121 Olympic Pkwy, Chula Vista, CA 91915 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	67 +7 HELOCs	2.1%	90%	$608,880	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, VA, Jumbo	45	1.4%	98%	$700,333	View
US Bank, N.A. 4 offices in Chula Vista 1343 Third Ave, Chula Vista, CA 91911 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	38 +27 HELOCs	1.2%	52.8%	$365,789	View
Wells Fargo Bank NA 6 offices in Chula Vista 2160 Birch Rd, Chula Vista, CA 91915 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	13	0.4%	61.9%	$567,307	View
Bank of America NA 5 offices in Chula Vista 1735 Eastlake Pkwy, Chula Vista, CA 91915 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +66 HELOCs	0.2%	80%	$720,714	View
Citibank, NA 2 offices in Chula Vista 352 H St, Chula Vista, CA 91910 A+5.0 ★Texas Ratio: 2.82%	Conventional, VA, Jumbo, HELOC	7 +2 HELOCs	0.2%	87.5%	$837,857	View
Zions Bancorporation, N.A. 1 office in Chula Vista 444 Third Ave, Chula Vista, CA 91910 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	5 +7 HELOCs	0.2%	70%	$687,000	View
First Ciitizens Bank and Trust 1 office in Chula Vista 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo	2	0.1%	100%	$700,000	View
Banner Bank 1 office in Chula Vista 279 F St, Chula Vista, CA 91910 A+5.0 ★Texas Ratio: 2.91%	FHA, HELOC	1 +16 HELOCs	0%	50%	$865,000	View
First Bank 2 offices in Chula Vista 878 Eastlake Pkwy, Chula Vista, CA 91914 A+5.0 ★Texas Ratio: 4.74%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	33.3%	$1,355,000	View
Enterprise Bank & Trust 1 office in Chula Vista 530 Broadway, Chula Vista, CA 91910 A5.0 ★Texas Ratio: 7.31%	Conventional	1	0%	100%	$1,065,000	View
Mission Federal Credit Union 884 Eastlake Pkwy Ste 1619, Chula Vista, CA 91914 4548 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	50 +95 HELOCs	1.6%	73.3%	$468,000	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	42 +62 HELOCs	1.3%	75.4%	$111,428	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	23	0.7%	88.5%	$162,826	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	18 +11 HELOCs	0.6%	95%	$465,555	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA, Jumbo	18	0.6%	95.7%	$870,000	View
San Diego County Credit Union 303 H St # 1, Chula Vista, CA 91910 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	14 +12 HELOCs	0.4%	73.7%	$262,142	View
California Credit Union 884 Eastlake Pkwy Ste 1615, Chula Vista, CA 91914 4548 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	9 +46 HELOCs	0.3%	69.2%	$292,777	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	9	0.3%	90%	$838,333	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, Jumbo	6	0.2%	66.7%	$858,333	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	5	0.2%	100%	$575,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	4	0.1%	100%	$142,500	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	2 +17 HELOCs	0.1%	40%	$560,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$465,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA	2	0.1%	100%	$650,000
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA, Jumbo	2	0.1%	100%	$990,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	2	0.1%	100%	$1,885,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.1%	100%	$575,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +4 HELOCs	0%	50%	$485,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$555,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$1,025,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0%	100%	$395,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	50%	$275,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0%	100%	$665,000	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	1	0%	50%	$75,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$755,000	View
The First Financial Federal Credit Union 878 Eastlake Pkwy, Chula Vista, CA 91914 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0%	100%	$105,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +4 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 +3 HELOCs	0%	n/a		View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Sesloc Credit Union 1399 E Grand Ave, Arroyo Grande, CA 93420 2421	HELOC	0 +1 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +1 HELOCs	0%	0%		View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	0%		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	110	3.4%	80.4%	$641,272
loanDepot.com LLC	Conventional, FHA, VA, HELOC	76 +7 HELOCs	2.4%	76.8%	$460,000
Paramount Residential Mortgage	Conventional, FHA, VA	52	1.6%	96.3%	$508,269
Resicentral LLC	Conventional, FHA, VA, Jumbo	51	1.6%	96.5%	$697,745
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	37 +3 HELOCs	1.2%	80.4%	$436,081
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, Jumbo, HELOC	27 +1 HELOCs	0.8%	85.7%	$601,666	View
Guild Mortgage Company	Conventional, VA	26	0.8%	85.7%	$398,846
New American Funding, LLC.	Conventional, FHA, VA, HELOC	21 +5 HELOCs	0.7%	80.8%	$545,952
AmWest Funding Corp	Conventional, FHA, VA, Jumbo, HELOC	19 +6 HELOCs	0.6%	100%	$641,842
Hometown Equity Mortgage, LLC	Conventional, FHA, Jumbo	18	0.6%	60%	$766,666
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	15 +1 HELOCs	0.5%	94.1%	$566,333
Home Mortgage Alliance Corp (Hmac)	Conventional	15	0.5%	65.2%	$381,000
Fundloans Capital	Conventional, Jumbo	13	0.4%	100%	$658,846
Carrington Mortgage Services LLC	Conventional, VA	13	0.4%	43.9%	$442,692
Cornerstone First Mortgage, LLC	Conventional, FHA, VA, Jumbo	12	0.4%	92.3%	$622,500
MortgageOne, Inc	Conventional, FHA, VA, Jumbo	12	0.4%	100%	$695,000
San Diego Funding	Conventional, VA, Jumbo	12	0.4%	100%	$685,833
Stg Mortgage Inc	Conventional, FHA	12	0.4%	85.7%	$753,333
Nexera Holding LLC	Conventional	12	0.4%	100%	$325,000
JMJ Financial Group Inc.	Conventional, FHA, VA, Jumbo	11	0.3%	100%	$656,818
Zillow Home Loans, LLC	Conventional, VA, Jumbo	11	0.3%	100%	$645,000
Flexpoint, Inc.	Conventional, FHA	9	0.3%	100%	$547,222
JMAC Lending, Inc.	Conventional, VA	9	0.3%	100%	$640,555
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	8	0.3%	100%	$833,750
Nmsi, Inc.	Conventional	8	0.3%	100%	$643,750
Cake Mortgage Corp.	Conventional, Jumbo	7	0.2%	77.8%	$935,000
American Financial Network, Inc.	Conventional, FHA, VA	6	0.2%	66.7%	$598,333
ClearEdge Lending LLC	Conventional, Jumbo	6	0.2%	66.7%	$658,333
Residential Wholesale Mortgage	Conventional	5	0.2%	100%	$587,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	5	0.2%	100%	$475,000
New Wave Lending Group Inc	Conventional	5	0.2%	100%	$479,000
Geo-Corp, Inc.	FHA	5	0.2%	100%	$749,000
Plaza Home Mortgage, Inc	Conventional, VA, Jumbo	5	0.2%	71.4%	$895,000
ML Mortgage Corp.	Conventional, FHA, VA, Jumbo	4	0.1%	100%	$817,500
Golden Empire Mortgage, Inc.	Conventional, VA	4	0.1%	100%	$647,500
Googain, Inc.	Conventional	4	0.1%	100%	$565,000
Mission Loans, LLC	Conventional	4	0.1%	100%	$160,000
Royal Pacific Funding	Conventional, FHA	3	0.1%	100%	$731,666
Franklin Loan Corporation	Conventional, VA, Jumbo	3	0.1%	100%	$865,000
Citadel Servicing Corporation	Conventional	3	0.1%	80%	$478,333
Vista Point Mortgage, LLC	Conventional	3	0.1%	50%	$495,000
Pacific Lending LLC	Conventional, VA	2	0.1%	100%	$895,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$485,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	33.3%	$500,000
Residential First Capital	Conventional	2	0.1%	100%	$380,000
Hightechlending, Inc	FHA	2	0.1%	100%	$690,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	2	0.1%	100%	$835,000
Greenbox Loans	Conventional	2	0.1%	66.7%	$740,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	66.7%	$370,000
Ardri LLC	Conventional	2	0.1%	75%	$745,000
Iserve Residential Lending	Conventional, FHA	2	0.1%	100%	$685,000
Alameda Mortgage Corporation	FHA	1	0%	100%	$765,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$585,000
AAA Capital Investment, Inc	Conventional	1	0%	100%	$725,000
Augusta Financial, Inc.	Conventional	1	0%	100%	$535,000
Fidelity Lending Solutions Inc	Conventional, Jumbo	1	0%	100%	$1,345,000
PFN Lending Group, Inc.	FHA	1	0%	50%	$1,065,000
Ez Fundings Inc	Conventional	1	0%	100%	$665,000
West Coast Mortgage Group & Realty Co	Conventional	1	0%	100%	$535,000
Calcon Mutual Mortgage LLC	Conventional	1	0%	100%	$155,000
Provident Funding Associates	Conventional	1	0%	50%	$705,000
Lendsure Mortgage Corp.	Conventional	1	0%	66.7%	$1,015,000
Emet Lending Group, Inc.	Conventional, Jumbo	1	0%	100%	$1,125,000
Southland Credit Uniom	Conventional	1	0%	100%	$1,075,000
Summit Funding.Inc	Conventional, Jumbo	1	0%	50%	$1,805,000
Figure Lending LLC	HELOC	0 +89 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +16 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +3 HELOCs	0%	100%
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	0%
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	628 +50 HELOCs	19.7%	87.5%	$730,541
Rocket Mortgage	Conventional, FHA, VA, Jumbo	329	10.3%	83.8%	$473,419
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	174 +131 HELOCs	5.5%	68.1%	$248,505
Lennar Mortgage, LLC	Conventional, FHA, VA	120	3.8%	84.5%	$633,416
Spring Eq, LLC	Conventional, HELOC	72 +46 HELOCs	2.3%	41.1%	$158,611
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	70 +3 HELOCs	2.2%	95.9%	$739,857
Newrez LLC	Conventional, FHA, VA, Jumbo	62	1.9%	78%	$642,096
Freedom Mortgage Corporation	Conventional, FHA, VA	61	1.9%	81.8%	$651,557
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	32 +9 HELOCs	1%	97.4%	$678,125	View
Mortgage Research Center	FHA, VA, Jumbo	32	1%	64%	$718,750
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	30 +13 HELOCs	0.9%	86.8%	$707,666
Nationstar Mortgage	Conventional, FHA, VA	26	0.8%	71.1%	$336,153
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	20 +2 HELOCs	0.6%	100%	$689,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	19	0.6%	33.3%	$268,684
Cardinal Financial Company, Li	Conventional, FHA, VA, Jumbo	17	0.5%	100%	$633,823
HomeBridge Financial Services, Inc	Conventional, FHA, VA, Jumbo, HELOC	16 +35 HELOCs	0.5%	57.1%	$737,500
Intercap Lending Inc	Conventional, Jumbo	16	0.5%	100%	$765,000
Equity Prime Mortgage LLC	Conventional, FHA, VA, Jumbo	15	0.5%	75%	$748,333
Triad Financial Services, Inc.	Conventional	15	0.5%	75.6%	$175,666
Amerisave Mortgage Company	Conventional, VA	15	0.5%	41.7%	$206,333
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	14 +1 HELOCs	0.4%	93.3%	$677,857
21St Mortgage	Conventional	14	0.4%	45.5%	$166,428
Planet Home Lending, LLC	Conventional, FHA, VA	13	0.4%	72.2%	$505,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, Jumbo	12	0.4%	92.3%	$675,000	View
Shea Mortgage Inc.	Conventional, VA, Jumbo	12	0.4%	92.3%	$829,166
Village Capital & Investment	FHA, VA, Jumbo	11	0.3%	91.3%	$772,272
First Colony Mortgage Corporat	Conventional, FHA, VA	10	0.3%	100%	$691,000
Movement Mortgage, LLC	Conventional, VA, HELOC	9 +1 HELOCs	0.3%	90%	$626,111
Loanunited.Com, LLC	FHA, VA	9	0.3%	100%	$575,000
Champions Funding, LLC	Conventional, Jumbo	9	0.3%	100%	$747,222
Better Mortgage Corporation	Conventional, FHA, VA, HELOC	8 +1 HELOCs	0.3%	61.5%	$421,250
Arc Home LLC	Conventional, Jumbo	8	0.3%	80%	$1,010,000
Sage Home Loans Corporation	Conventional	8	0.3%	100%	$576,250
Union Home Mortgage Corp.	Conventional, FHA	8	0.3%	100%	$633,750
Bay Equity LLC	Conventional, FHA, VA	7	0.2%	100%	$546,428
Homeowners Financial Group, LLC	Conventional, VA, Jumbo	7	0.2%	100%	$910,714
Nations Direct Mortgage, LLC	Conventional, VA	7	0.2%	77.8%	$593,571
Deephaven Mortgage LLC	Conventional	6	0.2%	60%	$370,000
Discover Bank	Conventional	6	0.2%	14.6%	$130,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	6	0.2%	100%	$748,333	View
American Financial Resources LLC	Conventional, VA	5	0.2%	100%	$651,000
Peoples Mortgage Company	Conventional	5	0.2%	100%	$735,000
Mutual of Omaha Mortgage	Conventional	5	0.2%	62.5%	$543,000
Primelending	Conventional, FHA, Jumbo	4	0.1%	100%	$380,000
Nbkc Bank	Conventional, VA	4	0.1%	80%	$662,500
PHH Mortgage Corporation	Conventional, VA	4	0.1%	66.7%	$600,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, VA	4	0.1%	80%	$505,000	View
Emporium Tpo LLC	Conventional, Jumbo	4	0.1%	100%	$770,000
New Day Financial, LLC.	VA	4	0.1%	27.8%	$625,000
Logan Finance Corporation	Conventional, Jumbo	4	0.1%	100%	$1,275,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +7 HELOCs	0.1%	23.1%	$188,333	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	60%	$788,333
Foundation Mortgage Corporation	Conventional	3	0.1%	100%	$621,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA	3	0.1%	75%	$871,666	View
Ark-La-Tex Financial Services LLC	Conventional, VA	3	0.1%	100%	$608,333
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +9 HELOCs	0.1%	66.7%	$505,000
Lower, LLC	Conventional, FHA, Jumbo, HELOC	2 +1 HELOCs	0.1%	100%	$990,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.1%	100%	$835,000
Everett Financial, Inc.	Conventional, Jumbo	2	0.1%	100%	$835,000
Allied Mortgage Group, Inc	Conventional	2	0.1%	100%	$460,000
Dart Bank	Conventional, FHA	2	0.1%	100%	$470,000
Nqm Funding, LLC	Conventional	2	0.1%	50%	$850,000
Click n' Close, Inc.	Conventional, FHA	2	0.1%	100%	$330,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	2	0.1%	50%	$635,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	2	0.1%	50%	$765,000	View
Waterstone Mortgage Corporation	Conventional	2	0.1%	100%	$285,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	66.7%	$755,000	View
V.I.P. Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$595,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	66.7%	$640,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +7 HELOCs	0%	100%	$375,000
Oaktree Funding Corp	Conventional, HELOC	1 +1 HELOCs	0%	100%	$155,000
Originpoint, LLC	Conventional	1	0%	100%	$315,000
First Community Mortgage, Inc.	VA	1	0%	100%	$705,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	100%	$715,000	View
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	100%	$75,000	View
Neighborhood Loans, Inc	Conventional	1	0%	18.2%	$125,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$575,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	1	0%	100%	$595,000	View
Envoy Mortgage, Ltd	FHA	1	0%	100%	$805,000
Norwich Commercial Group Inc	VA	1	0%	100%	$735,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$805,000	View
AAFMAA Mortgage Services LLC	VA	1	0%	100%	$1,005,000
Advisors Mortgage Group, LLC	VA	1	0%	100%	$755,000
First State Mortgage Services A5.0 ★Texas Ratio: 6.84%	Conventional	1	0%	100%	$915,000	View
Credit Human Federal Credit Un	Conventional	1	0%	33.3%	$115,000
American Financing Corporation	FHA	1	0%	33.3%	$655,000
Clearview Federal Credit Union	Conventional	1	0%	100%	$45,000
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$625,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	VA	1	0%	100%	$905,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0%	100%	$565,000
Teachers Federal Credit Union	Conventional	1	0%	100%	$135,000
Nations Lending Corporation	FHA	1	0%	100%	$345,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$725,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0%	33.3%	$545,000	View
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$625,000
Mortgage Solutions of Colorado	VA	1	0%	50%	$685,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$415,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0%	100%	$435,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$405,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0%	100%	$665,000	View
Leaderone Financial Corp.	Conventional	1	0%	100%	$395,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +21 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +6 HELOCs	0%	0%		View
Alliant Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	100%

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.

Chula Vista 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 Chula Vista, California

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

Types of Mortgage Lenders in Chula Vista, CA

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

Mortgage companies and brokers 144 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 34 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 67 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 79 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 61 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 97 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Chula Vista, CA

Independent mortgage companies closed 82.3 percent of home loans in Chula Vista, California in 2025, banks 7.6 percent and credit unions 10.2 percent. Point Mortgage Corp was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Point Mortgage Corp led with 45 loans.

82.3%

Mortgage companies

7.6%

Banks

10.2%

Credit unions

12%

FHA loans

26%

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 Chula Vista, CA

Who is the largest mortgage lender in Chula Vista, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Chula Vista, California with 67 loans, about 2.1 percent of the market. The largest lender headquartered in California was Point Mortgage Corp with 45 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Chula Vista, California, Resicentral LLC approved the highest share of completed applications in 2025 at 96.5 percent, against a 77.7 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 Chula Vista, CA mortgage lenders offer FHA, VA and USDA loans?

67 lenders closed FHA loans in Chula Vista, California in 2025, led by United Wholesale Mortgage with 106. 79 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 Chula Vista, CA lender list?

Yes. 47 banks and 34 credit unions closed home loans in Chula Vista, California in 2025, alongside 144 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 Chula Vista, CA ranked on this page?

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