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Mortgage Lenders and Brokers in Costa Mesa, California

Content reviewed by

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

Costa Mesa, California mortgage lenders include US Bank, N.A.US Bank, N.A.360 E 17th St, Costa Mesa, CA 92627A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1455 Baker St, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2970 Harbor Blvd, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA2700 Harbor Blvd, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA2701 Harbor Blvd Ste C2, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 4.14%, Fifth Third Bank, National AssociationFifth Third Bank, National Association611 Anton Blvd, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 3.22%, First BankFirst Bank3001 Harbor Blvd, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 4.74%, Flexpoint, Inc.Flexpoint, Inc.Costa Mesa, CA, JMAC Lending, Inc.JMAC Lending, Inc.Costa Mesa, CA, and Schoolsfirst FCUSchoolsfirst FCU2300 Harbor Blvd Ste H1, Costa Mesa, CA 92626A+5.0 ★Texas Ratio: 5.56%. 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 Costa Mesa, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Costa Mesa 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 Costa Mesa, California

Market share is the lender's share of all home loans closed in Costa Mesa, 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. 2 offices in Costa Mesa 360 E 17th St, Costa Mesa, CA 92627 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	63 +21 HELOCs	7.8%	73%	$1,044,047	View
JPMorgan Chase Bank, NA 2 offices in Costa Mesa 1455 Baker St, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	23 +4 HELOCs	2.8%	85.2%	$1,078,913	View
Wells Fargo Bank NA 3 offices in Costa Mesa 2970 Harbor Blvd, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	23	2.8%	79.3%	$1,171,521	View
Citibank, NA 2 offices in Costa Mesa 2700 Harbor Blvd, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	20	2.5%	95.2%	$1,250,500	View
Bank of America NA 1 office in Costa Mesa 2701 Harbor Blvd Ste C2, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +26 HELOCs	1.4%	100%	$1,133,181	View
Fifth Third Bank, National Association 1 office in Costa Mesa 611 Anton Blvd, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$835,000	View
First Bank 1 office in Costa Mesa 3001 Harbor Blvd, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +7 HELOCs	0%	n/a		View
Flexpoint, Inc.	Conventional, Jumbo	8	1%	100%	$576,250
JMAC Lending, Inc.	Conventional, VA, Jumbo	3	0.4%	100%	$1,245,000
Schoolsfirst FCU 2300 Harbor Blvd Ste H1, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	38 +108 HELOCs	4.7%	86.7%	$564,473	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	9	1.1%	100%	$1,297,222	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	8 +6 HELOCs	1%	64.3%	$275,000	View
Nuvision Federal Credit Union 3195 Harbor Blvd, COSTA MESA, CA 92626 2514 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	6 +7 HELOCs	0.7%	100%	$1,186,666	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.7%	85.7%	$1,596,666	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.7%	75%	$225,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.6%	62.5%	$1,493,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional, HELOC	5 +1 HELOCs	0.6%	100%	$149,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	5	0.6%	83.3%	$1,191,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 2701 Harbor Blvd, Costa Mesa, CA 92626 A+5.0 ★Texas Ratio: 2.66%	Conventional, HELOC	3 +17 HELOCs	0.4%	100%	$525,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.4%	100%	$568,333	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	3	0.4%	100%	$851,666	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	2	0.2%	100%	$1,255,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	2	0.2%	100%	$845,000	View
Credit Union of Southern California 1835 Newport Blvd, Costa Mesa, CA 92627 5010 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$1,195,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$55,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,545,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	80%	$1,405,000	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%	$425,000	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%	$1,585,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$195,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$915,000	View
Farmers and Merchants Bank of Long Beach 2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	50%	$425,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	1	0.1%	100%	$1,325,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$115,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo	1	0.1%	100%	$1,485,000	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%	$1,355,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$305,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo	1	0.1%	100%	$1,595,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +2 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 +2 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
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	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
Pennymac Loan Services LLC	Conventional, VA, Jumbo	26	3.2%	81.2%	$1,139,230
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	17 +2 HELOCs	2.1%	94.4%	$804,411
loanDepot.com LLC	Conventional, FHA, HELOC	11 +2 HELOCs	1.4%	84.6%	$477,727
Nexera Holding LLC	Conventional, Jumbo	11	1.4%	100%	$1,065,909
ClearEdge Lending LLC	Conventional, Jumbo	8	1%	100%	$1,252,500
AmWest Funding Corp	Conventional, Jumbo, HELOC	7 +5 HELOCs	0.9%	87.5%	$697,857
Kind Lending, LLC	Conventional, FHA, Jumbo	5	0.6%	55.6%	$997,000
New Wave Lending Group Inc	Conventional, Jumbo	5	0.6%	100%	$803,000
Nmsi, Inc.	Conventional, Jumbo	5	0.6%	100%	$1,163,000
MortgageOne, Inc	Conventional, Jumbo	4	0.5%	100%	$967,500
Watermark Capital, Inc.	Conventional	4	0.5%	100%	$877,500
ResMac Inc	Conventional	4	0.5%	100%	$1,257,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	4	0.5%	80%	$900,000	View
JMJ Financial Group Inc.	Conventional	4	0.5%	100%	$727,500
Provident Funding Associates	Conventional	4	0.5%	100%	$635,000
Franklin Loan Corporation	Conventional, Jumbo	4	0.5%	100%	$1,087,500
Coast 2 Coast Funding Group, Inc	Conventional	3	0.4%	100%	$381,666
Royal Pacific Funding	Conventional, Jumbo	3	0.4%	100%	$885,000
Ony Glo, Inc.	Conventional	3	0.4%	100%	$678,333
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.4%	100%	$561,666
Zillow Home Loans, LLC	Conventional	3	0.4%	100%	$938,333
Plaza Home Mortgage, Inc	Conventional, Jumbo	3	0.4%	100%	$1,291,666
Vista Point Mortgage, LLC	Conventional	3	0.4%	100%	$428,333
Fundloans Capital	Conventional	2	0.2%	100%	$500,000
AAA Capital Investment, Inc	Conventional	2	0.2%	100%	$1,010,000
Resicentral LLC	Conventional, Jumbo	2	0.2%	100%	$1,590,000
General Mortgage Capital Corporation	Conventional	2	0.2%	100%	$705,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.2%	40%	$1,235,000
Residential First Capital	Conventional, Jumbo	2	0.2%	100%	$1,450,000
JSB Mortgage Corporation	Conventional	2	0.2%	100%	$1,100,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.2%	66.7%	$925,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	66.7%	$45,000
Cake Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$1,635,000
Financial Partners Credit Unio	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$605,000
Goodleap, LLC	FHA, HELOC	1 +3 HELOCs	0.1%	50%	$205,000
ML Mortgage Corp.	Conventional	1	0.1%	100%	$135,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$1,995,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$815,000
Infinity Equity Group, Inc.	Conventional	1	0.1%	100%	$665,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$955,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$1,145,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$965,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$215,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$1,165,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$1,005,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$545,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$985,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$1,045,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	1	0.1%	100%	$1,955,000
Crestline Funding Corporation	Conventional	1	0.1%	100%	$275,000
Victoria Financial Corp	Conventional	1	0.1%	100%	$805,000
Greenbox Loans	Conventional	1	0.1%	100%	$905,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$1,125,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$325,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$225,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	12.5%	$405,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$1,195,000
Ardri LLC	Conventional	1	0.1%	100%	$655,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$1,055,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$205,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$205,000
Arcstone Financial Inc	Conventional	1	0.1%	100%	$905,000
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	96 +21 HELOCs	11.9%	91.5%	$816,770
Rocket Mortgage	Conventional, FHA, VA, Jumbo	72	8.9%	83%	$743,472
Spring Eq, LLC	Conventional, HELOC	13 +8 HELOCs	1.6%	59.1%	$291,153
Newrez LLC	Conventional, VA, Jumbo	12	1.5%	70.6%	$1,052,500
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	10	1.2%	90.9%	$983,000	View
The Loan Store, Inc	Conventional, Jumbo, HELOC	9 +1 HELOCs	1.1%	78.6%	$1,056,111
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	8 +1 HELOCs	1%	80%	$998,750
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	7	0.9%	87.5%	$886,428	View
Arc Home LLC	Conventional, Jumbo	6	0.7%	85.7%	$1,300,000
Originpoint, LLC	Conventional, Jumbo	6	0.7%	100%	$990,000
Nationstar Mortgage	Conventional, FHA	6	0.7%	75%	$511,666
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	6	0.7%	85.7%	$1,251,666	View
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	4	0.5%	66.7%	$1,052,500
CrossCountry Mortgage, LLC	Conventional, VA	4	0.5%	100%	$845,000
Deephaven Mortgage LLC	Conventional, Jumbo	4	0.5%	57.1%	$602,500
Mortgage Research Center	VA, Jumbo	4	0.5%	80%	$1,072,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	3 +11 HELOCs	0.4%	75%	$298,333
Primelending	Conventional	3	0.4%	100%	$638,333
Teachers Federal Credit Union	Conventional, Jumbo	3	0.4%	100%	$1,408,333
Nations Direct Mortgage, LLC	Conventional	3	0.4%	100%	$341,666
Prosperity Home Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$771,666
Toyota Financial Savings Bank	Conventional	3	0.4%	75%	$788,333
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$820,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$1,875,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.2%	100%	$845,000
Everett Financial, Inc.	Conventional, Jumbo	2	0.2%	100%	$1,505,000
Sage Home Loans Corporation	Conventional, Jumbo	2	0.2%	100%	$1,020,000
Triad Financial Services, Inc.	Conventional	2	0.2%	63.6%	$105,000
Data Mortgage, Inc	Conventional, Jumbo	2	0.2%	100%	$1,290,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	2	0.2%	100%	$780,000
Ameritrust Mortgage Corporation	Conventional	2	0.2%	100%	$580,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	2	0.2%	100%	$900,000	View
Logan Finance Corporation	Conventional, Jumbo	2	0.2%	100%	$1,220,000
Champions Funding, LLC	Conventional, Jumbo	2	0.2%	66.7%	$1,955,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$995,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,705,000	View
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$585,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$1,195,000	View
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	30.8%	$35,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$205,000
Nbkc Bank	Conventional	1	0.1%	100%	$855,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$705,000
Delmar Financial Company	Conventional	1	0.1%	100%	$275,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$655,000
Dart Bank	Conventional	1	0.1%	66.7%	$615,000
Loanunited.Com, LLC	Conventional	1	0.1%	100%	$455,000
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$235,000	View
Amerisave Mortgage Company	Conventional	1	0.1%	10%	$155,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$835,000	View
Obsidian Financial Services	Conventional	1	0.1%	100%	$345,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$605,000
Discover Bank	Conventional	1	0.1%	10%	$155,000
Intercap Lending Inc	Conventional, Jumbo	1	0.1%	100%	$1,845,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$995,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$455,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$705,000
Bay Equity LLC	Conventional	1	0.1%	100%	$795,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional, Jumbo	1	0.1%	100%	$1,605,000	View
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$255,000	View
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$495,000
Reliable Holdings Manager dba Lendz Financial	Conventional, Jumbo	1	0.1%	100%	$1,945,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$1,015,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$1,005,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$435,000	View
V.I.P. Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,525,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.1%	100%	$1,225,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	25%	$385,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$465,000	View
Farm Credit Mid-America, Aca	Conventional, Jumbo	1	0.1%	100%	$1,765,000
21St Mortgage	Conventional	1	0.1%	20%	$75,000
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$1,035,000
Flyhomes Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$875,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +9 HELOCs	0%	0%		View
Alliant Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +6 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +2 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +2 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nasa Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%

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.

Costa Mesa 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 Costa Mesa, California

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

Types of Mortgage Lenders in Costa Mesa, CA

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

Mortgage companies and brokers 122 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 42 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 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 11 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 70 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 93 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Costa Mesa, CA

Independent mortgage companies closed 63.3 percent of home loans in Costa Mesa, California in 2025, banks 26.4 percent and credit unions 10.2 percent. Flexpoint, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 11 loans.

63.3%

Mortgage companies

26.4%

Banks

10.2%

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 Costa Mesa, CA

Who is the largest mortgage lender in Costa Mesa, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Costa Mesa, California with 63 loans, about 7.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Costa Mesa, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 91.5 percent, against a 82 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 Costa Mesa, CA mortgage lenders offer FHA, VA and USDA loans?

10 lenders closed FHA loans in Costa Mesa, California in 2025, led by United Wholesale Mortgage with 4. 11 lenders closed VA loans, led by Mortgage Research Center. 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 Costa Mesa, CA lender list?

Yes. 42 banks and 33 credit unions closed home loans in Costa Mesa, California in 2025, alongside 122 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 Costa Mesa, CA ranked on this page?

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