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Mortgage Lenders and Brokers in Escondido, California

Content reviewed by

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

Escondido, California mortgage lenders include US Bank, N.A.US Bank, N.A.303 W Grand Ave, Escondido, CA 92025A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1510 W Valley Pkwy, Escondido, CA 92029A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA116 E Grand Ave, Escondido, CA 92025A+5.0 ★Texas Ratio: 3.68%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust300 W Grand Ave, Escondido, CA 92025A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA640 W Mission Ave, Escondido, CA 92025A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA1505 E Valley Pkwy, Escondido, CA 92027A+5.0 ★Texas Ratio: 2.82%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.150 N Quince St, Escondido, CA 92025A+5.0 ★Texas Ratio: 3.72%, Banner BankBanner Bank355 W Grand Ave, Escondido, CA 92025A+5.0 ★Texas Ratio: 2.91%, Mission Federal Credit UnionMission Federal Credit Union1500 E Valley Pkwy, Escondido, CA 92027 2316A+5.0 ★Texas Ratio: 0.79%, and California Credit UnionCalifornia Credit Union1230 Auto Park Way, Escondido, CA 92029A+5.0 ★Texas Ratio: 2.90%. 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 Escondido, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Escondido 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 Escondido, California

Market share is the lender's share of all home loans closed in Escondido, 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 Escondido 303 W Grand Ave, Escondido, CA 92025 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	58 +24 HELOCs	2.9%	79.2%	$659,827	View
Wells Fargo Bank NA 4 offices in Escondido 1510 W Valley Pkwy, Escondido, CA 92029 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	34	1.7%	79.1%	$892,058	View
JPMorgan Chase Bank, NA 4 offices in Escondido 116 E Grand Ave, Escondido, CA 92025 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	29 +7 HELOCs	1.5%	85.7%	$581,206	View
First Ciitizens Bank and Trust 1 office in Escondido 300 W Grand Ave, Escondido, CA 92025 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	12 +2 HELOCs	0.6%	66.7%	$290,833	View
Bank of America NA 2 offices in Escondido 640 W Mission Ave, Escondido, CA 92025 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +28 HELOCs	0.4%	87.5%	$612,142	View
Citibank, NA 1 office in Escondido 1505 E Valley Pkwy, Escondido, CA 92027 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	5	0.3%	71.4%	$1,139,000	View
Zions Bancorporation, N.A. 1 office in Escondido 150 N Quince St, Escondido, CA 92025 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	3 +11 HELOCs	0.2%	70%	$595,000	View
Banner Bank 1 office in Escondido 355 W Grand Ave, Escondido, CA 92025 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	3 +5 HELOCs	0.2%	100%	$301,666	View
Mission Federal Credit Union 1500 E Valley Pkwy, Escondido, CA 92027 2316 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	33 +54 HELOCs	1.7%	90.2%	$724,090	View
California Credit Union 1230 Auto Park Way, Escondido, CA 92029 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo, HELOC	19 +9 HELOCs	1%	90.9%	$702,368	View
California Coast Credit Union 962 W Valley Pkwy, Escondido, CA 92025 2554 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	15 +42 HELOCs	0.8%	72.7%	$112,333	View
San Diego County Credit Union 150 E Valley Pkwy, Escondido, CA 92025 A+5.0 ★Texas Ratio: 0.52%	Conventional, Jumbo, HELOC	15 +11 HELOCs	0.8%	60%	$321,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	14 +10 HELOCs	0.7%	100%	$357,142	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA, Jumbo	12	0.6%	93.3%	$558,333	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	10	0.5%	83.3%	$154,000	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	7	0.4%	100%	$779,285	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	5 +1 HELOCs	0.3%	66.7%	$675,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, HELOC	5 +1 HELOCs	0.3%	83.3%	$579,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, VA	5	0.3%	100%	$527,000
Frontwave Credit Union 1645 S Centre City Pkwy Ste B, Escondido, CA 92025 6068 A+5.0 ★Texas Ratio: 5.74%	Conventional, Jumbo, HELOC	4 +9 HELOCs	0.2%	85.7%	$527,500	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	4	0.2%	100%	$525,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	4	0.2%	66.7%	$917,500	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	3 +14 HELOCs	0.2%	100%	$735,000	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	3 +11 HELOCs	0.2%	60%	$505,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$380,000	View
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	FHA	2	0.1%	100%	$575,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	100%	$215,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$1,055,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$865,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$575,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	1	0.1%	100%	$465,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$165,000	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%	$75,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$1,025,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$565,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	1	0.1%	100%	$155,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	HELOC	0 +4 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +2 HELOCs	0%	n/a		View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +1 HELOCs	0%	n/a		View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +1 HELOCs	0%	0%		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	54	2.7%	82.4%	$684,074
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	26 +1 HELOCs	1.3%	73.7%	$540,769
loanDepot.com LLC	Conventional, FHA, VA, HELOC	24 +2 HELOCs	1.2%	64.9%	$407,500
Nmsi, Inc.	Conventional, Jumbo	21	1.1%	100%	$720,714
New American Funding, LLC.	Conventional, FHA, HELOC	17 +2 HELOCs	0.9%	81.8%	$555,000
Golden Empire Mortgage, Inc.	Conventional, FHA, VA	17	0.9%	100%	$461,470
AmWest Funding Corp	Conventional, FHA, Jumbo	16	0.8%	100%	$568,125
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	16	0.8%	81.8%	$531,250	View
Zillow Home Loans, LLC	Conventional, FHA	15	0.8%	100%	$616,333
Paramount Residential Mortgage	Conventional, FHA, VA	14	0.7%	93.3%	$603,571
Guild Mortgage Company	Conventional, VA	13	0.7%	100%	$405,000
New Wave Lending Group Inc	Conventional	11	0.6%	100%	$532,272
Sierra Pacific Mortgage Co. Inc	Conventional, VA	11	0.6%	92.3%	$558,636
Resicentral LLC	Conventional, FHA	9	0.5%	100%	$467,222
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA, Jumbo	9	0.5%	83.3%	$499,444
Provident Funding Associates	Conventional	9	0.5%	90%	$552,777
American Pacific Mortgage Corporation	Conventional, FHA, VA	9	0.5%	90%	$568,333
Residential Wholesale Mortgage	Conventional, FHA, Jumbo	8	0.4%	100%	$741,250
Franklin Loan Corporation	Conventional	8	0.4%	88.9%	$422,500
Carrington Mortgage Services LLC	Conventional, VA	8	0.4%	40.9%	$343,750
Pacific Lending LLC	Conventional, FHA, VA	7	0.4%	100%	$600,714
Cornerstone First Mortgage, LLC	Conventional, FHA	6	0.3%	100%	$545,000
American Financial Network, Inc.	Conventional, FHA, Jumbo	5	0.3%	100%	$731,000
Flexpoint, Inc.	Conventional	5	0.3%	100%	$537,000
JMJ Financial Group Inc.	Conventional, FHA, VA	4	0.2%	100%	$820,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	4	0.2%	100%	$262,500	View
Hometown Equity Mortgage, LLC	Conventional, FHA	4	0.2%	36.4%	$762,500
Nexera Holding LLC	Conventional	4	0.2%	66.7%	$635,000
JMAC Lending, Inc.	Conventional, VA	4	0.2%	100%	$820,000
Fundloans Capital	Conventional, Jumbo	3	0.2%	100%	$1,135,000
MortgageOne, Inc	Conventional	3	0.2%	100%	$565,000
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$515,000
Googain, Inc.	Conventional, Jumbo	3	0.2%	100%	$1,331,666
American Internet Mortgage, Inc.	Conventional	3	0.2%	100%	$535,000
Summit Funding.Inc	Conventional	3	0.2%	100%	$395,000
Vista Point Mortgage, LLC	Conventional	3	0.2%	100%	$291,666
Bay-Valley Mortgage Group	Conventional	2	0.1%	100%	$695,000
HomeXpress Mortgage Corp.	Conventional	2	0.1%	50%	$840,000
Royal Pacific Funding	Conventional, FHA	2	0.1%	100%	$600,000
Ez Fundings Inc	Conventional	2	0.1%	100%	$700,000
Crestline Funding Corporation	Conventional	2	0.1%	100%	$475,000
First Nations Home Finance Corporation	Conventional, FHA	2	0.1%	100%	$470,000
Calcon Mutual Mortgage LLC	Conventional, FHA	2	0.1%	75%	$490,000
Stg Mortgage Inc	Conventional, FHA	2	0.1%	100%	$385,000
Generations Home Loans, LLC	Conventional	2	0.1%	100%	$305,000
Ardri LLC	Conventional	2	0.1%	66.7%	$660,000
Iserve Residential Lending	Conventional	2	0.1%	100%	$630,000
Citadel Servicing Corporation	Conventional, Jumbo	2	0.1%	100%	$915,000
ClearEdge Lending LLC	Conventional	2	0.1%	66.7%	$625,000
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.1%	40%	$475,000
Cake Mortgage Corp.	Conventional, Jumbo	2	0.1%	100%	$700,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$785,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$735,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	1	0.1%	66.7%	$1,425,000
North Coast Financial, Inc.	Conventional	1	0.1%	100%	$805,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$645,000
Residential First Capital	Conventional	1	0.1%	100%	$415,000
Ahl Funding	FHA	1	0.1%	100%	$615,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,285,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$355,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$755,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$125,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$805,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$955,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$1,035,000
Coastal Funding SLC, Inc.	Conventional	1	0.1%	100%	$355,000
Figure Lending LLC	HELOC	0 +28 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Mason-McDuffie Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	343 +33 HELOCs	17.3%	89.6%	$650,014
Rocket Mortgage	Conventional, FHA, VA, Jumbo	239	12%	84%	$475,669
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	53 +46 HELOCs	2.7%	74.3%	$350,471
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	52 +5 HELOCs	2.6%	100%	$737,884
Newrez LLC	Conventional, FHA, VA, Jumbo	40	2%	78.4%	$673,000
The Loan Store, Inc	Conventional, VA, HELOC	30 +19 HELOCs	1.5%	87.8%	$583,000
Spring Eq, LLC	Conventional, HELOC	26 +19 HELOCs	1.3%	47.4%	$123,461
Nationstar Mortgage	Conventional, FHA, VA	23	1.2%	70.6%	$317,608
Kbhs Home Loans, LLC	Conventional, FHA, VA, Jumbo	22	1.1%	84.6%	$856,363
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	22	1.1%	89.7%	$696,363
Fairway Independent Mort Corp	Conventional, FHA, VA, HELOC	19 +1 HELOCs	1%	95.2%	$551,842
Guaranteed Rate, Inc.	Conventional, Jumbo	17	0.9%	100%	$764,411
21St Mortgage	Conventional	15	0.8%	42.1%	$195,666
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	14 +4 HELOCs	0.7%	89.5%	$700,714	View
Equity Prime Mortgage LLC	Conventional, FHA, VA, Jumbo	14	0.7%	82.4%	$709,285
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	13	0.7%	46.2%	$472,692
Homeowners Financial Group, LLC	Conventional, FHA, VA, Jumbo	13	0.7%	93.3%	$828,076
Mortgage Research Center	VA	12	0.6%	70.6%	$527,500
Better Mortgage Corporation	Conventional, FHA, VA, Jumbo, HELOC	11 +3 HELOCs	0.6%	73.3%	$724,090
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	11 +1 HELOCs	0.6%	100%	$635,909
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	10	0.5%	100%	$561,000	View
American Financial Resources LLC	Conventional, FHA, VA	9	0.5%	100%	$493,888
Amerisave Mortgage Company	Conventional, FHA	9	0.5%	33.3%	$151,666
Village Capital & Investment	FHA, VA	9	0.5%	70%	$782,777
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	8	0.4%	72.7%	$645,000	View
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	8	0.4%	80%	$768,750
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	7	0.4%	100%	$970,714	View
Triad Financial Services, Inc.	Conventional	7	0.4%	72.7%	$193,571
Cardinal Financial Company, Li	Conventional, FHA, Jumbo	7	0.4%	100%	$552,142
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	6 +8 HELOCs	0.3%	75%	$540,000
Deephaven Mortgage LLC	Conventional	6	0.3%	85.7%	$368,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +8 HELOCs	0.3%	71.4%	$145,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.3%	100%	$543,000	View
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	5	0.3%	100%	$805,000
Champions Funding, LLC	Conventional, Jumbo	5	0.3%	55.6%	$777,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	4 +6 HELOCs	0.2%	100%	$535,000
Sage Home Loans Corporation	Conventional, VA	4	0.2%	100%	$737,500
Click n' Close, Inc.	Conventional, FHA	4	0.2%	100%	$540,000
Union Home Mortgage Corp.	Conventional	4	0.2%	100%	$667,500
Bay Equity LLC	Conventional	4	0.2%	100%	$577,500
First Colony Mortgage Corporat	Conventional, FHA, VA	4	0.2%	100%	$617,500
Logan Finance Corporation	Conventional, Jumbo	4	0.2%	100%	$665,000
Nations Direct Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$585,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.2%	100%	$977,500	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	4	0.2%	100%	$682,500
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	4	0.2%	100%	$702,500	View
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	3 +6 HELOCs	0.2%	100%	$918,333
Primelending	Conventional, VA	3	0.2%	100%	$418,333
Nbkc Bank	Conventional	3	0.2%	100%	$668,333
Loanunited.Com, LLC	Conventional, VA	3	0.2%	60%	$571,666
Emporium Tpo LLC	Conventional, Jumbo	3	0.2%	100%	$965,000
Nqm Funding, LLC	Conventional, VA, Jumbo	3	0.2%	100%	$1,051,666
Discover Bank	Conventional	3	0.2%	12%	$138,333
T2 Financial LLC	Conventional, VA	3	0.2%	100%	$911,666
Pike Creek Mortgage Services, Inc.	Conventional, FHA	3	0.2%	100%	$631,666
V.I.P. Mortgage, Inc.	Conventional, VA	3	0.2%	100%	$508,333
Alliant Credit Union	Conventional, Jumbo, HELOC	2 +13 HELOCs	0.1%	100%	$1,280,000
Quorum Federal Credit Union	Conventional, HELOC	2 +9 HELOCs	0.1%	66.7%	$225,000
Oaktree Funding Corp	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$295,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$685,000	View
Everett Financial, Inc.	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$745,000
Arc Home LLC	Conventional	2	0.1%	100%	$710,000
Originpoint, LLC	Conventional, FHA, Jumbo	2	0.1%	100%	$850,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$765,000
PHH Mortgage Corporation	FHA, VA	2	0.1%	66.7%	$605,000
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$860,000
Credit Human Federal Credit Un	Conventional	2	0.1%	36.4%	$175,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$335,000	View
Mutual of Omaha Mortgage	VA	2	0.1%	40%	$670,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$380,000	View
Lower, LLC	Conventional	2	0.1%	75%	$385,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$795,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$755,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$215,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$735,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$365,000
Orchard Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$455,000	View
Dart Bank	Conventional	1	0.1%	100%	$1,075,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$615,000	View
Data Mortgage, Inc	FHA	1	0.1%	100%	$555,000
Intercap Lending Inc	Conventional	1	0.1%	100%	$325,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$845,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$885,000
Citizens Equity First Credit U	Conventional, Jumbo	1	0.1%	100%	$1,265,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional, Jumbo	1	0.1%	100%	$1,205,000	View
Strong Home Mortgage, LLC	FHA	1	0.1%	50%	$785,000
Ameritrust Mortgage Corporation	FHA	1	0.1%	100%	$755,000
New Day Financial, LLC.	VA	1	0.1%	25%	$755,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$515,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$965,000
Starboard Financial Management, LLC	Conventional	1	0.1%	100%	$965,000
UNMB Home Loans Inc	FHA	1	0.1%	100%	$985,000
Peoples Mortgage Company	Conventional	1	0.1%	100%	$715,000
Planet Home Lending, LLC	VA, Jumbo	1	0.1%	25%	$1,205,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$945,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$105,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$675,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$155,000	View
Megastar Finanacial Corp	FHA	1	0.1%	100%	$985,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	1	0.1%	100%	$1,205,000	View
Interstate Home Loan Center, Inc.	Conventional	1	0.1%	100%	$615,000
Busey Bank A+5.0 ★Texas Ratio: 2.31%	Conventional	1	0.1%	100%	$345,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$855,000
Compass Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,555,000
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$1,065,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	50%	$455,000	View
Direct Rate Home Loans, Inc	Conventional	1	0.1%	100%	$555,000
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$795,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$1,015,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +3 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
RBC Bank (Georgia), N.A.	HELOC	0 +1 HELOCs	0%	n/a
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.

Escondido 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 Escondido, California

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

Types of Mortgage Lenders in Escondido, CA

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

Mortgage companies and brokers 153 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 32 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 57 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 54 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 99 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Escondido, CA

Independent mortgage companies closed 78.3 percent of home loans in Escondido, California in 2025, banks 12.9 percent and credit unions 8.8 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 7 loans.

78.3%

Mortgage companies

12.9%

Banks

8.8%

Credit unions

10%

FHA loans

13%

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 Escondido, CA

Who is the largest mortgage lender in Escondido, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Escondido, California with 58 loans, about 2.9 percent of the market. The largest lender headquartered in California was Bank of America NA with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Escondido, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 81.5 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 Escondido, CA mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Escondido, California in 2025, led by United Wholesale Mortgage with 56. 57 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 Escondido, CA lender list?

Yes. 47 banks and 32 credit unions closed home loans in Escondido, California in 2025, alongside 153 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 Escondido, CA ranked on this page?

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