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Mortgage Lenders and Brokers in Downey, California

Content reviewed by

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

Downey, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8997 Apollo Way, Downey, CA 90242A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.8444 Florence Ave, Downey, CA 90240A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA11021 La Reina Ave, Downey, CA 90241A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA8345 Firestone Blvd, Downey, CA 90241A+5.0 ★Texas Ratio: 5.36%, Downey Federal Credit UnionDowney Federal Credit Union8237 3rd St, Downey, CA 90241 3718A+5.0 ★Texas Ratio: 3.02%, BMO Harris Bank NABMO Harris Bank NA10230 Paramount Blvd, Downey, CA 90241A+5.0 ★Texas Ratio: 3.54%, Citibank, NACitibank, NA8764 Firestone Blvd, Downey, CA 90241A+5.0 ★Texas Ratio: 2.82%, Farmers and Merchants Bank of Long BeachFarmers and Merchants Bank of Long Beach9001 Firestone Blvd, Downey, CA 90241A+5.0 ★Texas Ratio: 0.06%, Financial Partners Credit UnioFinancial Partners Credit UnioDowney, CA, and Schoolsfirst FCUSchoolsfirst FCU9125 Imperial Hwy Ste A, Downey, CA 90242A+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 Downey, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Downey 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 Downey, California

Market share is the lender's share of all home loans closed in Downey, 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 4 offices in Downey 8997 Apollo Way, Downey, CA 90242 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	21 +2 HELOCs	3.1%	84%	$523,571	View
US Bank, N.A. 2 offices in Downey 8444 Florence Ave, Downey, CA 90240 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	15 +10 HELOCs	2.2%	44.1%	$352,333	View
Bank of America NA 3 offices in Downey 11021 La Reina Ave, Downey, CA 90241 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +25 HELOCs	0.9%	85.7%	$635,000	View
Wells Fargo Bank NA 2 offices in Downey 8345 Firestone Blvd, Downey, CA 90241 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.9%	75%	$415,000	View
Downey Federal Credit Union 8237 3rd St, Downey, CA 90241 3718 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	4 +22 HELOCs	0.6%	100%	$55,000	View
BMO Harris Bank NA 1 office in Downey 10230 Paramount Blvd, Downey, CA 90241 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	4 +8 HELOCs	0.6%	66.7%	$932,500	View
Citibank, NA 1 office in Downey 8764 Firestone Blvd, Downey, CA 90241 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	2 +5 HELOCs	0.3%	100%	$340,000	View
Farmers and Merchants Bank of Long Beach 1 office in Downey 9001 Firestone Blvd, Downey, CA 90241 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	100%	$285,000	View
Financial Partners Credit Unio	Conventional, HELOC	5 +49 HELOCs	0.7%	71.4%	$269,000
Schoolsfirst FCU 9125 Imperial Hwy Ste A, Downey, CA 90242 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	30 +46 HELOCs	4.5%	81.1%	$277,666	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	13	1.9%	92.9%	$644,230	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	7	1%	87.5%	$673,571	View
First City Credit Union 500 W Woodbury Rd, Altadena, CA 91001 5410 A+5.0 ★Texas Ratio: 2.03%	Conventional, HELOC	5 +1 HELOCs	0.7%	83.3%	$137,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.6%	80%	$122,500	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	4	0.6%	100%	$90,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	2	0.3%	100%	$170,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.3%	100%	$150,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional	2	0.3%	100%	$115,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional	2	0.3%	100%	$870,000	View
California Credit Union 9300 IMPERIAL HWY, DOWNEY, CA 90242 2813 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	1 +10 HELOCs	0.1%	100%	$155,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$45,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$865,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$405,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$675,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$505,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	50%	$335,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$865,000	View
Long Beach City Employees Federal Credit Union 2845 Temple Ave, Signal Hill, CA 90755 2212	Conventional	1	0.1%	100%	$245,000
Los Angeles Federal Credit Union 11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95%	Conventional	1	0.1%	100%	$105,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$605,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0.1%	100%	$175,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +5 HELOCs	0%	0%		View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	HELOC	0 +5 HELOCs	0%	n/a		View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +3 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 +3 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%	0%		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
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	HELOC	0 +2 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	100%		View
First Ciitizens Bank and Trust 7320 Firestone Blvd Ste 101, Downey, CA 90241 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	0%		View
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, Jumbo, HELOC	34 +1 HELOCs	5.1%	94.3%	$759,411	View
American Financial Network, Inc.	Conventional, FHA	19	2.8%	90.9%	$618,157
Royal Pacific Funding	Conventional, FHA	15	2.2%	100%	$667,000
Pennymac Loan Services LLC	Conventional, FHA, VA	12	1.8%	72.2%	$493,333
AmWest Funding Corp	Conventional, VA, Jumbo, HELOC	11 +4 HELOCs	1.6%	91.7%	$518,636
Kind Lending, LLC	Conventional, FHA	10	1.5%	58.8%	$613,000
Flexpoint, Inc.	Conventional, FHA, Jumbo	10	1.5%	100%	$564,000
loanDepot.com LLC	Conventional, FHA, HELOC	9 +2 HELOCs	1.3%	62.5%	$258,333
New Wave Lending Group Inc	Conventional, Jumbo	9	1.3%	100%	$781,666
Hometown Equity Mortgage, LLC	Conventional	9	1.3%	60%	$560,555
Nmsi, Inc.	Conventional, FHA, Jumbo	8	1.2%	100%	$843,750
Paramount Residential Mortgage	Conventional, FHA	8	1.2%	100%	$608,750
New American Funding, LLC.	Conventional, FHA, HELOC	7 +3 HELOCs	1%	100%	$503,571
Bay-Valley Mortgage Group	Conventional	4	0.6%	100%	$375,000
Ahl Funding	Conventional, FHA	4	0.6%	100%	$942,500
Ez Fundings Inc	Conventional, FHA	4	0.6%	100%	$610,000
American Pacific Mortgage Corporation	Conventional, FHA	4	0.6%	100%	$512,500
Nexera Holding LLC	Conventional, Jumbo	4	0.6%	100%	$467,500
Arcstone Financial Inc	Conventional	4	0.6%	100%	$842,500
JMAC Lending, Inc.	Conventional	4	0.6%	80%	$450,000
Resicentral LLC	Conventional	3	0.4%	100%	$581,666
Bridgeway Lending Partners, LLC	Conventional	3	0.4%	100%	$601,666
Guild Mortgage Company	Conventional, FHA	3	0.4%	100%	$635,000
Campos Financial Corp	Conventional, FHA	3	0.4%	100%	$575,000
Citadel Servicing Corporation	Conventional, Jumbo	3	0.4%	100%	$1,001,666
Popa FCU - Cerritos	Conventional	3	0.4%	100%	$155,000
Vista Point Mortgage, LLC	Conventional	3	0.4%	75%	$305,000
Southland Credit Uniom	Conventional, HELOC	2 +8 HELOCs	0.3%	100%	$170,000
Watermark Capital, Inc.	Conventional	2	0.3%	100%	$530,000
AAA Capital Investment, Inc	Conventional	2	0.3%	100%	$445,000
Mortgage Capital Partners, INC	Conventional, FHA	2	0.3%	100%	$610,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.3%	50%	$570,000
AdvantageFirst Lending Inc	FHA	2	0.3%	100%	$750,000
Fidelity Lending Solutions Inc	Conventional	2	0.3%	100%	$690,000
JMJ Financial Group Inc.	Conventional	2	0.3%	100%	$280,000
Greenbox Loans	Conventional	2	0.3%	100%	$485,000
Ony Glo, Inc.	Conventional	2	0.3%	66.7%	$390,000
JSB Mortgage Corporation	Conventional	2	0.3%	100%	$460,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.3%	100%	$530,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.3%	66.7%	$1,320,000
Cake Mortgage Corp.	Conventional, Jumbo	2	0.3%	100%	$835,000
ML Mortgage Corp.	FHA	1	0.1%	100%	$325,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	50%	$915,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$805,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$1,205,000
Coast 2 Coast Funding Group, Inc	Conventional	1	0.1%	100%	$305,000
Hightechlending, Inc	FHA	1	0.1%	100%	$435,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$435,000
Dignified Home Loans LLC	Conventional	1	0.1%	33.3%	$945,000
Franklin Loan Corporation	Conventional	1	0.1%	100%	$805,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$645,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$615,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$425,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	28.6%	$595,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$965,000
Figure Lending LLC	HELOC	0 +11 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	84	12.5%	78.2%	$508,214
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	68 +14 HELOCs	10.1%	86.2%	$710,147
The Loan Store, Inc	Conventional, VA, HELOC	15 +13 HELOCs	2.2%	94.1%	$712,333
Spring Eq, LLC	Conventional, HELOC	10 +4 HELOCs	1.5%	42.3%	$141,000
Newrez LLC	Conventional, FHA	9	1.3%	47.4%	$365,000
Nationstar Mortgage	Conventional, FHA	9	1.3%	69.2%	$325,000
CrossCountry Mortgage, LLC	Conventional, HELOC	7 +2 HELOCs	1%	100%	$426,428
Freedom Mortgage Corporation	Conventional, FHA	7	1%	87.5%	$639,285
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA	6	0.9%	100%	$721,666	View
Amerisave Mortgage Company	Conventional	5	0.7%	31.2%	$211,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	4 +1 HELOCs	0.6%	80%	$662,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	3 +7 HELOCs	0.4%	66.7%	$168,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	60%	$405,000	View
Data Mortgage, Inc	Conventional, FHA	3	0.4%	100%	$581,666
First Colony Mortgage Corporat	Conventional, FHA	3	0.4%	75%	$791,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +10 HELOCs	0.3%	50%	$100,000	View
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.3%	100%	$770,000	View
All Credit Considered Mortgage, Inc.	Conventional, Jumbo	2	0.3%	100%	$880,000
Nqm Funding, LLC	Conventional	2	0.3%	60%	$485,000
Ameritrust Mortgage Corporation	Conventional, Jumbo	2	0.3%	100%	$1,320,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.3%	40%	$970,000	View
Mutual of Omaha Mortgage	Conventional	2	0.3%	50%	$510,000
Village Capital & Investment	FHA, VA	2	0.3%	80%	$835,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +8 HELOCs	0.1%	100%	$975,000
Fairway Independent Mort Corp	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$1,165,000
Arc Home LLC	Conventional	1	0.1%	100%	$255,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$805,000
Nbkc Bank	Conventional	1	0.1%	100%	$685,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$145,000
Movement Mortgage, LLC	FHA	1	0.1%	100%	$545,000
Deephaven Mortgage LLC	Conventional	1	0.1%	33.3%	$255,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$1,025,000
Discover Bank	Conventional	1	0.1%	25%	$55,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$795,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$175,000
Evergreen Moneysource Mortgage Company	FHA	1	0.1%	100%	$705,000
Peoples Mortgage Company	FHA	1	0.1%	100%	$795,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$245,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$435,000	View
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$645,000
Genway Home Mortgage, Inc.	Conventional	1	0.1%	33.3%	$665,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$315,000
Mld Mortgage, Inc.Dba the Money Store	FHA	1	0.1%	100%	$825,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$565,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$335,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +4 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +2 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal 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.

Downey 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 Downey, California

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

Types of Mortgage Lenders in Downey, CA

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

Mortgage companies and brokers 95 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 22 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 36 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 37 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 10 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 86 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Downey, CA

Independent mortgage companies closed 76.8 percent of home loans in Downey, California in 2025, banks 12.2 percent and credit unions 11 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Downey Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 6 loans.

76.8%

Mortgage companies

12.2%

Banks

11%

Credit unions

14%

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 Downey, CA

Who is the largest mortgage lender in Downey, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Downey, California with 21 loans, about 3.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Downey, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 86.2 percent, against a 78.5 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 Downey, CA mortgage lenders offer FHA, VA and USDA loans?

37 lenders closed FHA loans in Downey, California in 2025, led by United Wholesale Mortgage with 16. 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.

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

Yes. 22 banks and 36 credit unions closed home loans in Downey, California in 2025, alongside 95 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 Downey, CA ranked on this page?

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