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Mortgage Lenders and Brokers in El Cajon, California

Content reviewed by

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

El Cajon, California mortgage lenders include US Bank, N.A.US Bank, N.A.1608 Broadway, El Cajon, CA 92021A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2644 Jamacha Rd, El Cajon, CA 92019A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA512 Fletcher Pkwy, El Cajon, CA 92020A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA13465 Camino Canada, El Cajon, CA 92021A+5.0 ★Texas Ratio: 5.36%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1024 Graves Ave, El Cajon, CA 92021A+5.0 ★Texas Ratio: 3.72%, BMO Harris Bank NABMO Harris Bank NA1234 E Main St, El Cajon, CA 92021A+5.0 ★Texas Ratio: 3.54%, Mechanics BankMechanics Bank368 Broadway, El Cajon, CA 92021A+5.0 ★Texas Ratio: 1.81%, Banner BankBanner Bank742 Fletcher Pkwy, El Cajon, CA 92020A+5.0 ★Texas Ratio: 2.91%, California Coast Credit UnionCalifornia Coast Credit Union898 Jackman St, El Cajon, CA 92020 3057A+5.0 ★Texas Ratio: 1.25%, and Mission Federal Credit UnionMission Federal Credit Union270 Fletcher Pkwy, El Cajon, CA 92020A+5.0 ★Texas Ratio: 0.79%. 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 El Cajon, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in El Cajon 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 El Cajon, California

Market share is the lender's share of all home loans closed in El Cajon, 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 El Cajon 1608 Broadway, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	19 +18 HELOCs	2.3%	74.1%	$445,526	View
JPMorgan Chase Bank, NA 4 offices in El Cajon 2644 Jamacha Rd, El Cajon, CA 92019 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	14 +1 HELOCs	1.7%	87.5%	$667,857	View
Bank of America NA 2 offices in El Cajon 512 Fletcher Pkwy, El Cajon, CA 92020 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +17 HELOCs	0.6%	62.5%	$583,000	View
Wells Fargo Bank NA 5 offices in El Cajon 13465 Camino Canada, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	4	0.5%	66.7%	$637,500	View
Zions Bancorporation, N.A. 1 office in El Cajon 1024 Graves Ave, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +5 HELOCs	0.2%	66.7%	$835,000	View
BMO Harris Bank NA 1 office in El Cajon 1234 E Main St, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$965,000	View
Mechanics Bank 1 office in El Cajon 368 Broadway, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	1	0.1%	100%	$1,105,000	View
Banner Bank 1 office in El Cajon 742 Fletcher Pkwy, El Cajon, CA 92020 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +3 HELOCs	0%	n/a		View
California Coast Credit Union 898 Jackman St, El Cajon, CA 92020 3057 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	12 +30 HELOCs	1.5%	81.2%	$115,000	View
Mission Federal Credit Union 270 Fletcher Pkwy, El Cajon, CA 92020 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	7 +23 HELOCs	0.9%	100%	$639,285	View
Point Mortgage Corp 780 Jamacha Rd, El Cajon, CA 92019 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, VA	4	0.5%	100%	$677,500	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.5%	100%	$627,500	View
San Diego County Credit Union 312 W Main St, El Cajon, CA 92020 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	2 +4 HELOCs	0.2%	40%	$75,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$335,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	2	0.2%	75%	$830,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.2%	100%	$135,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	100%	$110,000	View
California Credit Union 301 N Magnolia Ave Ste 102, El Cajon, CA 92020 3994 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	1 +8 HELOCs	0.1%	33.3%	$255,000	View
Mypoint Credit Union 780 Jamacha Rd, El Cajon, CA 92019 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$25,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$255,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$875,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	20%	$205,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$365,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$355,000
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	1	0.1%	100%	$815,000	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%	$145,000	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	1	0.1%	100%	$145,000	View
Wheelhouse Credit Union 306 Broadway, El Cajon, CA 92021 A+5.0 ★Texas Ratio: 1.23%	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%	n/a		View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	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
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	HELOC	0 +1 HELOCs	0%	n/a
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA	31	3.8%	68.8%	$520,806
loanDepot.com LLC	Conventional, FHA, VA, HELOC	15 +1 HELOCs	1.8%	75%	$480,333
Cornerstone First Mortgage, LLC	Conventional, FHA, Jumbo	10	1.2%	100%	$756,000
Kind Lending, LLC	Conventional, FHA, VA, HELOC	8 +1 HELOCs	1%	80%	$363,750
Guild Mortgage Company	Conventional, FHA	8	1%	100%	$431,250
Nexera Holding LLC	Conventional	7	0.9%	100%	$600,714
New American Funding, LLC.	Conventional, FHA, VA, HELOC	6 +3 HELOCs	0.7%	85.7%	$491,666
Resicentral LLC	Conventional, FHA, VA	6	0.7%	85.7%	$651,666
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	6	0.7%	87.5%	$380,000
AmWest Funding Corp	Conventional, VA, HELOC	5 +1 HELOCs	0.6%	100%	$573,000
Stg Mortgage Inc	Conventional, FHA	5	0.6%	100%	$793,000
Zillow Home Loans, LLC	Conventional, FHA, VA	5	0.6%	100%	$553,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	4	0.5%	100%	$690,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.5%	57.1%	$595,000
Residential Wholesale Mortgage	Conventional, FHA	3	0.4%	100%	$608,333
Fidelity Lending Solutions Inc	Conventional	3	0.4%	100%	$625,000
Hometown Equity Mortgage, LLC	Conventional, FHA	3	0.4%	60%	$495,000
MortgageOne, Inc	Conventional, VA	2	0.2%	100%	$755,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.2%	50%	$130,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.2%	66.7%	$850,000
Franklin Loan Corporation	Conventional, FHA	2	0.2%	100%	$775,000
Iserve Residential Lending	Conventional, VA, Jumbo	2	0.2%	100%	$845,000
Nmsi, Inc.	Conventional	2	0.2%	100%	$600,000
Cake Mortgage Corp.	Conventional	2	0.2%	100%	$840,000
JMAC Lending, Inc.	Conventional, VA	2	0.2%	100%	$700,000
Golden Empire Mortgage, Inc.	VA	1	0.1%	100%	$585,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$735,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$355,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,265,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$545,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$645,000
San Diego Funding	Conventional	1	0.1%	100%	$535,000
Generations Home Loans, LLC	VA	1	0.1%	100%	$805,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$235,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$345,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$915,000
ClearEdge Lending LLC	Conventional, Jumbo	1	0.1%	100%	$1,275,000
Paramount Residential Mortgage	FHA	1	0.1%	50%	$365,000
Carrington Mortgage Services LLC	VA	1	0.1%	37.5%	$315,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$305,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	137	16.9%	83.7%	$462,226
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	132 +18 HELOCs	16.3%	83.5%	$685,833
Mortgage Research Center	VA	21	2.6%	84.6%	$585,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	20 +22 HELOCs	2.5%	62.5%	$333,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	17 +1 HELOCs	2.1%	100%	$640,294
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	16 +1 HELOCs	2%	88.9%	$538,125
The Loan Store, Inc	Conventional, FHA, HELOC	15 +2 HELOCs	1.8%	94.1%	$592,333
Kbhs Home Loans, LLC	Conventional, FHA, VA	15	1.8%	100%	$673,000
Triad Financial Services, Inc.	Conventional	14	1.7%	76.7%	$142,142
Spring Eq, LLC	Conventional, HELOC	13 +11 HELOCs	1.6%	42.9%	$156,538
21St Mortgage	Conventional	13	1.6%	43.3%	$111,153
Freedom Mortgage Corporation	Conventional, FHA, VA	10	1.2%	80%	$633,000
Nationstar Mortgage	Conventional	8	1%	88.9%	$183,750
Nqm Funding, LLC	Conventional	7	0.9%	87.5%	$572,142
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	6	0.7%	100%	$621,666	View
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	5 +10 HELOCs	0.6%	83.3%	$589,000
Newrez LLC	Conventional, VA	5	0.6%	50%	$387,000
Loanunited.Com, LLC	Conventional, VA	5	0.6%	100%	$617,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	4 +1 HELOCs	0.5%	100%	$800,000	View
Equity Prime Mortgage LLC	Conventional, FHA	4	0.5%	80%	$817,500
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA, VA, Jumbo	4	0.5%	80%	$832,500	View
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	3 +3 HELOCs	0.4%	60%	$745,000
Guaranteed Rate Affinity, LLC	Conventional, VA	3	0.4%	100%	$571,666
Obsidian Financial Services	Conventional, FHA, VA	3	0.4%	100%	$818,333
Credit Human Federal Credit Un	Conventional	3	0.4%	57.1%	$138,333
First Colony Mortgage Corporat	Conventional, VA	3	0.4%	100%	$648,333
Cardinal Financial Company, Li	Conventional	3	0.4%	80%	$495,000
Logan Finance Corporation	Conventional	3	0.4%	100%	$531,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.4%	100%	$771,666	View
Village Capital & Investment	FHA, VA	3	0.4%	100%	$788,333
Better Mortgage Corporation	Conventional, HELOC	2 +2 HELOCs	0.2%	50%	$270,000
Arc Home LLC	Conventional	2	0.2%	100%	$575,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	2	0.2%	100%	$900,000	View
Primelending	Conventional, Jumbo	2	0.2%	100%	$645,000
Lakeview Loan Servicing, LLC	Conventional, VA	2	0.2%	26.3%	$825,000
Movement Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$655,000
Oaktree Funding Corp	Conventional	2	0.2%	100%	$275,000
Amerisave Mortgage Company	Conventional	2	0.2%	20%	$105,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.2%	100%	$760,000	View
Intercap Lending Inc	Conventional	2	0.2%	100%	$315,000
Securitynational Mortgage Company	Conventional, VA, Jumbo	2	0.2%	100%	$1,005,000
Union Home Mortgage Corp.	Conventional	2	0.2%	75%	$425,000
Homeowners Financial Group, LLC	Conventional	2	0.2%	100%	$610,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	66.7%	$290,000
Nations Direct Mortgage, LLC	Conventional, VA	2	0.2%	100%	$590,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	2	0.2%	100%	$535,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	2	0.2%	100%	$240,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.2%	100%	$550,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$115,000	View
American Financial Resources LLC	Conventional	1	0.1%	50%	$205,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$1,055,000	View
Greenstate Credit Union	Conventional	1	0.1%	100%	$325,000
Canopy Mortgage, LLC	VA	1	0.1%	100%	$775,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$455,000	View
HomeStreet Bank	Conventional	1	0.1%	100%	$355,000
Valon Mortgage	Conventional	1	0.1%	100%	$175,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$605,000
Bay Equity LLC	Conventional	1	0.1%	100%	$795,000
New Day Financial, LLC.	VA	1	0.1%	100%	$685,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	VA	1	0.1%	100%	$895,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$315,000	View
Starboard Financial Management, LLC	Conventional	1	0.1%	100%	$455,000
Nations Lending Corporation	VA	1	0.1%	100%	$605,000
T2 Financial LLC	Conventional	1	0.1%	100%	$745,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$145,000	View
Saygo Home Loans, LLC	VA	1	0.1%	100%	$595,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$385,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$475,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$475,000
Lower, LLC	Conventional	1	0.1%	100%	$425,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$985,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$125,000
Alliant Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Lafayette 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
State Departmenet 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.

El Cajon 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 El Cajon, California

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

Types of Mortgage Lenders in El Cajon, CA

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

Mortgage companies and brokers 102 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 30 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 31 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 18 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 67 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in El Cajon, CA

Independent mortgage companies closed 83.4 percent of home loans in El Cajon, California in 2025, banks 10 percent and credit unions 6.7 percent. Point Mortgage Corp was the largest mortgage company, US Bank, N.A. the largest bank and California Coast Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 5 loans.

83.4%

Mortgage companies

10%

Banks

6.7%

Credit unions

FHA loans

19%

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 El Cajon, CA

Who is the largest mortgage lender in El Cajon, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in El Cajon, California with 19 loans, about 2.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in El Cajon, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 83.7 percent, against a 78.9 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 El Cajon, CA mortgage lenders offer FHA, VA and USDA loans?

31 lenders closed FHA loans in El Cajon, California in 2025, led by United Wholesale Mortgage with 17. 47 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 El Cajon, CA lender list?

Yes. 30 banks and 26 credit unions closed home loans in El Cajon, California in 2025, alongside 102 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 El Cajon, CA ranked on this page?

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