Mortgage Lenders and Brokers in El Centro, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
El Centro, California mortgage lenders include Sun Community FCUSun Community FCU1068 Broadway Ave, El Centro, CA 92243 2315A+5.0 ★Texas Ratio: 2.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2303 Cottonwood Dr, El Centro, CA 92243A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.576 W Main St, El Centro, CA 92243A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA1414 W Main St, El Centro, CA 92243A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA750 N Imperial Ave, El Centro, CA 92243A+5.0 ★Texas Ratio: 5.36%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, ClearPath LendingClearPath Lending300 E Magnolia Blvd, Burbank, CA 91502A+5.0 ★Texas Ratio: 2.77%, Frontwave Credit UnionFrontwave Credit Union1443 W Main St, El Centro, CA 92243A+5.0 ★Texas Ratio: 5.74%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. 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 Centro, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in El Centro 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 Centro, California
Market share is the lender's share of all home loans closed in El Centro, 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 |
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1068 Broadway Ave, El Centro, CA 92243 2315 A+5.0 ★Texas Ratio: 2.05% |
Conventional, Jumbo | 14 | 4.3% | 100% | $162,857 | View |
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1 office in El Centro 2303 Cottonwood Dr, El Centro, CA 92243 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 5 +1 HELOCs |
1.5% | 83.3% | $253,000 | View |
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1 office in El Centro 576 W Main St, El Centro, CA 92243 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 37.5% | $98,333 | View |
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1 office in El Centro 1414 W Main St, El Centro, CA 92243 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 100% | $365,000 | View |
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1 office in El Centro 750 N Imperial Ave, El Centro, CA 92243 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $85,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $180,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $95,000 | View |
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300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77% |
VA | 1 | 0.3% | 100% | $525,000 | View |
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1443 W Main St, El Centro, CA 92243 A+5.0 ★Texas Ratio: 5.74% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.3% | 100% | $275,000 | View |
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200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 4% | 86.7% | $265,769 | |
loanDepot.com LLC
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Conventional, HELOC | 8 +1 HELOCs |
2.5% | 66.7% | $163,750 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 6 | 1.8% | 100% | $251,666 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 6 | 1.8% | 100% | $281,666 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 6 | 1.8% | 85.7% | $336,666 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 4 | 1.2% | 100% | $317,500 | |
Guild Mortgage Company
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Conventional | 3 | 0.9% | 100% | $185,000 | |
American Pacific Mortgage Corporation
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FHA | 3 | 0.9% | 60% | $431,666 | |
Kind Lending, LLC
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Conventional | 2 | 0.6% | 100% | $230,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.6% | 100% | $240,000 | |
Mission Loans, LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $245,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 0.6% | 100% | $340,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $105,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Flexpoint, Inc.
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FHA | 1 | 0.3% | 100% | $275,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.3% | 100% | $655,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.3% | 100% | $265,000 | |
Ardri LLC
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Conventional | 1 | 0.3% | 100% | $745,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $55,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 40 +4 HELOCs |
12.3% | 91.1% | $367,250 | |
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A+5.0 ★Texas Ratio: 5.65% |
Conventional, FHA | 33 | 10.1% | 100% | $320,757 | View |
Primelending
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Conventional, FHA, VA | 32 | 9.8% | 97.1% | $208,437 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 8.6% | 60% | $247,500 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 11 | 3.4% | 84.6% | $251,363 | |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 8 | 2.5% | 100% | $357,500 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 2.1% | 100% | $103,571 | |
Triad Financial Services, Inc.
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Conventional | 6 | 1.8% | 54.8% | $146,666 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 1.5% | 85.7% | $267,000 | |
21St Mortgage
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Conventional | 5 | 1.5% | 45.5% | $97,000 | |
Freedom Mortgage Corporation
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FHA | 4 | 1.2% | 50% | $375,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 4 | 1.2% | 100% | $262,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +5 HELOCs |
0.9% | 75% | $471,666 | |
NOVA Financial & Investment Corporation
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Conventional, FHA | 3 | 0.9% | 60% | $171,666 | |
Nbkc Bank
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Conventional | 3 | 0.9% | 100% | $435,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.9% | 100% | $418,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +4 HELOCs |
0.6% | 21.4% | $150,000 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.6% | 100% | $455,000 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $400,000 | |
Wallick and Volk, Inc.
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FHA | 2 | 0.6% | 66.7% | $365,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $195,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 0.6% | 100% | $430,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.6% | 66.7% | $320,000 | |
Pentagon Federal Credit Union
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VA | 2 | 0.6% | 100% | $315,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 21.4% | $175,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.3% | 33.3% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $325,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Fay Servicing LLC
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FHA | 1 | 0.3% | 100% | $305,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 20% | $315,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Lower, LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
Loan Simple, Inc.
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FHA | 1 | 0.3% | 100% | $385,000 | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
El Centro Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in El Centro, California
Looking for mortgage lenders near me or mortgage brokers near me in El Centro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in El Centro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in El Centro, CA
Use these to narrow the list above. Each category shows how many El Centro, CA lenders fit and what that kind of lender is usually best for.
Who Lends in El Centro, CA
Independent mortgage companies closed 77 percent of home loans in El Centro, California in 2025, banks 15 percent and credit unions 8 percent. ClearPath Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Sun Community FCU the largest credit union. Among lenders headquartered in California, Sun Community FCU led with 14 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
Frequently Asked Questions About Mortgage Lenders in El Centro, CA
By home loans closed in 2025, Sun Community FCU was the largest mortgage lender in El Centro, California with 14 loans, about 4.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in El Centro, California in 2025, led by United Wholesale Mortgage with 20. 13 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.
Yes. 12 banks and 14 credit unions closed home loans in El Centro, California in 2025, alongside 59 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.
Lenders are ranked only by the number of home loans they closed in El Centro, 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 Centro, 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 Centro. 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.
