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Mortgage Lenders and Brokers in Irvine, California

Content reviewed by

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

Irvine, California mortgage lenders include US Bank, N.A.US Bank, N.A.2001 Michelson Dr, Irvine, CA 92612A+5.0 ★Texas Ratio: 2.85%, East West BankEast West Bank14845 Jeffrey Rd, Irvine, CA 92618A+5.0 ★Texas Ratio: 2.84%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3973 Irvine Blvd, Irvine, CA 92602A+5.0 ★Texas Ratio: 3.68%, CTBC Bank USACTBC Bank USA15343 Culver Dr, Irvine, CA 92604A5.0 ★Texas Ratio: 8.76%, Citibank, NACitibank, NA5511 Alton Pkwy, Irvine, CA 92618A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA4500 Barranca Pkwy, Irvine, CA 92604A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5 Park Plz, Irvine, CA 92614A+5.0 ★Texas Ratio: 5.36%, Cathay BankCathay Bank15323 Culver Dr, Irvine, CA 92604A+5.0 ★Texas Ratio: 4.57%, BMO Harris Bank NABMO Harris Bank NA18022 Culver Dr, Irvine, CA 92612A+5.0 ★Texas Ratio: 3.54%, and Preferred BankPreferred Bank890 Roosevelt, Irvine, CA 92620A5.0 ★Texas Ratio: 12.84%. 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 Irvine, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Irvine 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 Irvine, California

Market share is the lender's share of all home loans closed in Irvine, 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. 6 offices in Irvine 2001 Michelson Dr, Irvine, CA 92612 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	301 +57 HELOCs	10.5%	89.2%	$1,229,551	View
East West Bank 3 offices in Irvine 14845 Jeffrey Rd, Irvine, CA 92618 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	131 +25 HELOCs	4.6%	95.7%	$1,142,786	View
JPMorgan Chase Bank, NA 15 offices in Irvine 3973 Irvine Blvd, Irvine, CA 92602 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	118 +2 HELOCs	4.1%	87.6%	$1,260,677	View
CTBC Bank USA 2 offices in Irvine 15343 Culver Dr, Irvine, CA 92604 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	96	3.4%	94.2%	$1,186,562	View
Citibank, NA 2 offices in Irvine 5511 Alton Pkwy, Irvine, CA 92618 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	89 +3 HELOCs	3.1%	90%	$1,322,191	View
Bank of America NA 6 offices in Irvine 4500 Barranca Pkwy, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	85 +138 HELOCs	3%	84.2%	$1,387,588	View
Wells Fargo Bank NA 8 offices in Irvine 5 Park Plz, Irvine, CA 92614 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	79	2.8%	76%	$1,540,949	View
Cathay Bank 3 offices in Irvine 15323 Culver Dr, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	60	2.1%	91.3%	$1,367,333	View
BMO Harris Bank NA 2 offices in Irvine 18022 Culver Dr, Irvine, CA 92612 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	29 +9 HELOCs	1%	85.3%	$1,426,379	View
Preferred Bank 2 offices in Irvine 890 Roosevelt, Irvine, CA 92620 A5.0 ★Texas Ratio: 12.84%	Conventional, Jumbo	22	0.8%	78.6%	$1,550,454	View
City National Bank 2 offices in Irvine 18111 Von Karman Ave, Irvine, CA 92612 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	14 +5 HELOCs	0.5%	78.9%	$1,357,857	View
Hsbc Bank USA, NA 1 office in Irvine 15315 Culver Dr, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	11 +2 HELOCs	0.4%	84.6%	$1,327,727	View
Royal Business Bank 1 office in Irvine 14725 Jeffrey Rd, Irvine, CA 92618 A5.0 ★Texas Ratio: 7.57%	Conventional	8	0.3%	72.7%	$742,500	View
Pcb Bank 1 office in Irvine 13140 Yale Ave, Irvine, CA 92620 A+5.0 ★Texas Ratio: 2.25%	Conventional	7	0.2%	100%	$745,000	View
First Commercial Bank (USA) 1 office in Irvine 4250 Barranca Pkwy, Irvine, CA 92604 A+5.0 ★Texas Ratio: 3.91%	Conventional	6	0.2%	100%	$698,333	View
Woori America Bank 1 office in Irvine 14252 Culver Dr, Irvine, CA 92604 A5.0 ★Texas Ratio: 11.01%	Conventional, Jumbo	6	0.2%	77.8%	$845,000	View
Bank Irvine 6201 Oak Canyon Suite 150, Irvine, CA 92618 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	5	0.2%	100%	$1,587,000	View
Bank of Hope 1 office in Irvine 14407 Culver Dr, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.07%	Conventional, Jumbo	4	0.1%	100%	$960,000	View
First Ciitizens Bank and Trust 1 office in Irvine 2855 Michelle Drive, Irvine, CA 92606 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	3 +4 HELOCs	0.1%	50%	$288,333	View
Zions Bancorporation, N.A. 1 office in Irvine 1900 Main St, Irvine, CA 92614 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +15 HELOCs	0.1%	57.1%	$750,000	View
Mechanics Bank 1 office in Irvine 2211 Michelson Dr, Irvine, CA 92612 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	2	0.1%	66.7%	$1,730,000	View
Sunflower Bank, N.A. 2 offices in Irvine 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional, Jumbo	1	0%	100%	$1,885,000	View
First Bank 1 office in Irvine 14376 Culver Dr, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +5 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	33 +3 HELOCs	1.2%	78.6%	$550,454
Citadel Servicing Corporation	Conventional, Jumbo	15	0.5%	94.4%	$2,357,000
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	14	0.5%	87.5%	$739,285
Vista Point Mortgage, LLC	Conventional, Jumbo	12	0.4%	82.4%	$1,118,333
Zillow Home Loans, LLC	Conventional	11	0.4%	91.7%	$798,636
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	10	0.3%	75%	$969,000	View
Stg Mortgage Inc	Conventional, Jumbo	5	0.2%	71.4%	$1,257,000
ClearEdge Lending LLC	Conventional, Jumbo	4	0.1%	57.1%	$745,000
Intelliloan, Inc.	Conventional	2	0.1%	100%	$470,000
Watermark Capital, Inc.	Conventional	1	0%	100%	$405,000
Ahl Funding	Conventional, Jumbo	1	0%	100%	$1,325,000
Hightechlending, Inc	Conventional	1	0%	100%	$515,000
American Heritage Lending, LLC	Conventional	1	0%	100%	$855,000
Schoolsfirst FCU 5305 Alton Pkwy Ste C, Irvine, CA 92604 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	64 +157 HELOCs	2.2%	95.8%	$556,406	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo, HELOC	22 +1 HELOCs	0.8%	83.3%	$1,055,454	View
Orange County'S FCU 6448 Irvine Blvd, Irvine, CA 92620 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	14 +37 HELOCs	0.5%	60.9%	$268,571	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	13	0.5%	72.2%	$1,356,538	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	11 +6 HELOCs	0.4%	100%	$1,292,272	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	11	0.4%	64.7%	$319,545	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.3%	100%	$522,000	View
Sun West Mortgage Company, Inc 2050 Main St, Irvine, CA 92614 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA, Jumbo	9	0.3%	71.4%	$853,888	View
American Continental Bank 808 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 1.69%	Conventional, Jumbo	7	0.2%	77.8%	$1,640,714	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional, HELOC	5 +2 HELOCs	0.2%	100%	$115,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	5	0.2%	75%	$229,000	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	4 +12 HELOCs	0.1%	50%	$1,297,500	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional	4	0.1%	100%	$940,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	3 +14 HELOCs	0.1%	100%	$341,666	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	3 +5 HELOCs	0.1%	100%	$161,666	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	3 +4 HELOCs	0.1%	100%	$708,333	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$2,105,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo	3	0.1%	75%	$2,271,666	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	3	0.1%	75%	$1,035,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	3	0.1%	100%	$228,333	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	3	0.1%	100%	$911,666	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	3	0.1%	100%	$655,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 15378 Alton Pkwy, Irvine, CA 92618 2362 A+5.0 ★Texas Ratio: 2.66%	Conventional, Jumbo, HELOC	2 +37 HELOCs	0.1%	28.6%	$815,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$1,000,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	33.3%	$655,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional, Jumbo	2	0.1%	50%	$970,000	View
The First Financial Federal Credit Union 14376 Culver Dr, Irvine, CA 92604 A+5.0 ★Texas Ratio: 4.74%	Conventional	2	0.1%	100%	$75,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$405,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0%	50%	$1,375,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	33.3%	$755,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$845,000	View
Firefighters First Federal Credit Union 4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$695,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$585,000	View
New Omni Bank N.A. 9100 Irvine Center Dr, Irvine, CA 92618 B4.5 ★Texas Ratio: 21.13%	Conventional, Jumbo	1	0%	100%	$4,815,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	1	0%	50%	$155,000	View
Altura Credit Union 300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0%	100%	$1,075,000	View
Los Angeles Federal Credit Union 11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95%	Conventional	1	0%	100%	$975,000	View
Open Bank 5141 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 6.54%	Conventional	1	0%	100%	$475,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional	1	0%	100%	$415,000	View
Caltech Employees Federal Credit Union 528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08%	Conventional	1	0%	100%	$405,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$615,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0%	100%	$555,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	VA, Jumbo	1	0%	100%	$4,505,000	View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	Conventional	1	0%	100%	$105,000
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +6 HELOCs	0%	0%		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +2 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +2 HELOCs	0%	n/a		View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +2 HELOCs	0%	n/a		View
Nikkei Credit Union 146 W Carson St, Carson, CA 90745 2601 A5.0 ★Texas Ratio: 13.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Downey Federal Credit Union 8237 3rd St, Downey, CA 90241 3718 A+5.0 ★Texas Ratio: 3.02%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	59	2.1%	86.3%	$972,627
General Mortgage Capital Corporation	Conventional, Jumbo	57	2%	100%	$943,596
AmWest Funding Corp	Conventional, Jumbo, HELOC	42 +6 HELOCs	1.5%	84%	$958,571
New Wave Lending Group Inc	Conventional, Jumbo	35	1.2%	100%	$1,033,285
Emet Lending Group, Inc.	Conventional, Jumbo	27	0.9%	100%	$1,068,703
AAA Capital Investment, Inc	Conventional, Jumbo	25	0.9%	100%	$867,800
Nmsi, Inc.	Conventional, Jumbo	25	0.9%	100%	$935,400
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	16	0.6%	100%	$1,045,625
JSB Mortgage Corporation	Conventional, Jumbo	16	0.6%	100%	$741,250
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	14 +7 HELOCs	0.5%	82.4%	$720,000
Googain, Inc.	Conventional, Jumbo	11	0.4%	100%	$969,545
Nexera Holding LLC	Conventional, Jumbo	11	0.4%	78.6%	$1,158,636
Paramount Residential Mortgage	Conventional, FHA, Jumbo	10	0.3%	100%	$723,000
Bay-Valley Mortgage Group	Conventional	8	0.3%	100%	$667,500
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	8	0.3%	100%	$1,432,500	View
Hometown Equity Mortgage, LLC	Conventional	8	0.3%	57.1%	$693,750
Royal Pacific Funding	Conventional, Jumbo	7	0.2%	100%	$1,006,428
Flexpoint, Inc.	Conventional, Jumbo	7	0.2%	91.7%	$1,479,285
Ony Glo, Inc.	Conventional, Jumbo	7	0.2%	63.6%	$969,285
Fidelity Lending Solutions Inc	Conventional, Jumbo	6	0.2%	100%	$1,176,666
HomeXpress Mortgage Corp.	Conventional, Jumbo	6	0.2%	66.7%	$1,436,666
Victoria Financial Corp	Conventional	6	0.2%	100%	$748,333
Sierra Pacific Mortgage Co. Inc	Conventional	6	0.2%	88.9%	$721,666
T. J. Financial, Inc.	Conventional	6	0.2%	100%	$618,333
Cake Mortgage Corp.	Conventional, Jumbo	5	0.2%	100%	$1,405,000
Alameda Mortgage Corporation	Conventional, Jumbo	4	0.1%	100%	$965,000
Bridgeway Lending Partners, LLC	Conventional	4	0.1%	100%	$777,500
American Financial Network, Inc.	Conventional	4	0.1%	80%	$737,500
Fundloans Capital	Conventional, Jumbo	3	0.1%	100%	$1,648,333
Resicentral LLC	Conventional	3	0.1%	75%	$698,333
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	3	0.1%	75%	$475,000
Habitfactory USA Inc dba Loaning AI	Conventional	3	0.1%	100%	$885,000
Evo Home Loans, LLC dba Epiq Lending	Conventional	3	0.1%	80%	$651,666
Plaza Home Mortgage, Inc	Conventional	3	0.1%	60%	$398,333
JMAC Lending, Inc.	Conventional	3	0.1%	100%	$378,333
Financial Partners Credit Unio	Conventional, HELOC	2 +18 HELOCs	0.1%	50%	$430,000
Guild Mortgage Company	Conventional, VA	2	0.1%	50%	$740,000
ResMac Inc	Conventional, Jumbo	2	0.1%	100%	$1,055,000
Constant Investments, Inc	Conventional	2	0.1%	100%	$755,000
Greenbox Loans	Conventional	2	0.1%	100%	$555,000
Franklin Loan Corporation	Conventional	2	0.1%	100%	$725,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.1%	100%	$1,235,000
Ardri LLC	Conventional, Jumbo	2	0.1%	66.7%	$1,445,000
MortgageOne, Inc	Conventional	1	0%	100%	$805,000
AmeriHome Mortgage Company, LLC	Conventional	1	0%	100%	$545,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0%	100%	$1,605,000
Bnb Financial Inc	Conventional	1	0%	100%	$805,000
Residential First Capital	Conventional	1	0%	100%	$305,000
JMJ Financial Group Inc.	Conventional	1	0%	100%	$545,000
Ez Fundings Inc	FHA, Jumbo	1	0%	100%	$1,235,000
American Internet Mortgage, Inc.	Conventional	1	0%	50%	$705,000
Provident Funding Associates	Conventional	1	0%	50%	$705,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$3,035,000
Southland Credit Uniom	Conventional	1	0%	100%	$455,000
Banc One Mortage Corporation	Conventional	1	0%	100%	$985,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0%	100%	$805,000
Figure Lending LLC	HELOC	0 +31 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, Jumbo	213	7.5%	84.7%	$751,901
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	156 +36 HELOCs	5.5%	87.2%	$888,461
Lennar Mortgage, LLC	Conventional, FHA, VA, Jumbo	152	5.3%	89.5%	$934,539
The Loan Store, Inc	Conventional, FHA, Jumbo, HELOC	22 +8 HELOCs	0.8%	92.9%	$714,545
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	21 +2 HELOCs	0.7%	100%	$1,251,190
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	17 +4 HELOCs	0.6%	100%	$863,235
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	17 +3 HELOCs	0.6%	94.7%	$1,222,058	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	17 +2 HELOCs	0.6%	89.5%	$1,477,941	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	16 +4 HELOCs	0.6%	94.7%	$1,046,875	View
Spring Eq, LLC	Conventional, HELOC	15 +14 HELOCs	0.5%	28.1%	$269,666
Newrez LLC	Conventional, Jumbo	15	0.5%	75%	$710,333
Guaranteed Rate Affinity, LLC	Conventional, FHA, Jumbo, HELOC	14 +1 HELOCs	0.5%	100%	$1,055,714
Primelending	Conventional, Jumbo	14	0.5%	100%	$955,714
Taylor Morrison Home Funding, Inc.	Conventional, Jumbo	11	0.4%	73.3%	$1,105,000
Nationstar Mortgage	Conventional, FHA	11	0.4%	68.8%	$384,090
Logan Finance Corporation	Conventional, Jumbo	11	0.4%	100%	$1,613,181
Everett Financial, Inc.	Conventional, Jumbo	8	0.3%	100%	$1,008,750
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	8	0.3%	72.7%	$1,155,000	View
Better Mortgage Corporation	Conventional, Jumbo, HELOC	7 +8 HELOCs	0.2%	72.7%	$830,714
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	7	0.2%	87.5%	$1,400,714	View
Bay Equity LLC	Conventional, VA, Jumbo	7	0.2%	100%	$1,046,428
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	6	0.2%	77.8%	$825,000
Sage Home Loans Corporation	Conventional	6	0.2%	88.9%	$741,666
Summit Mortgage Bankers, Inc.	Conventional	6	0.2%	100%	$691,666
Union Home Mortgage Corp.	Conventional, FHA	6	0.2%	85.7%	$626,666
Prosperity Home Mortgage, LLC	Conventional	6	0.2%	100%	$726,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	5 +14 HELOCs	0.2%	54.5%	$787,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	5 +7 HELOCs	0.2%	71.4%	$1,913,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	5	0.2%	47.1%	$465,000
Deephaven Mortgage LLC	Conventional	5	0.2%	54.5%	$447,000
Discover Bank	Conventional	5	0.2%	17.9%	$163,000
Ameritrust Mortgage Corporation	Conventional, FHA, Jumbo	5	0.2%	100%	$1,755,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	5	0.2%	100%	$987,000	View
Originpoint, LLC	Conventional, HELOC	4 +1 HELOCs	0.1%	100%	$965,000
Arc Home LLC	Conventional, Jumbo	4	0.1%	57.1%	$1,642,500
Guidance Residential, LLC	Conventional	4	0.1%	100%	$1,032,500
Oaktree Funding Corp	Conventional, Jumbo	4	0.1%	100%	$692,500
Flyhomes Mortgage LLC	Conventional, Jumbo	4	0.1%	100%	$430,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +14 HELOCs	0.1%	50%	$98,333	View
Digital Federal Credit Union	Conventional, HELOC	3 +6 HELOCs	0.1%	60%	$488,333
Alliant Credit Union	Conventional, Jumbo, HELOC	3 +5 HELOCs	0.1%	60%	$1,335,000
Movement Mortgage, LLC	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$851,666
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	3	0.1%	100%	$3,238,333	View
Nbkc Bank	Conventional	3	0.1%	100%	$525,000
Nations Direct Mortgage, LLC	Conventional	3	0.1%	100%	$1,041,666
Mutual of Omaha Mortgage	Conventional	3	0.1%	100%	$715,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	2 +11 HELOCs	0.1%	66.7%	$1,285,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo, HELOC	2 +8 HELOCs	0.1%	83.3%	$955,000	View
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	2	0.1%	100%	$1,580,000	View
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional, Jumbo	2	0.1%	100%	$2,030,000	View
Filo Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$1,325,000
Emporium Tpo LLC	Conventional, Jumbo	2	0.1%	100%	$1,355,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.1%	100%	$655,000	View
Nqm Funding, LLC	Conventional, Jumbo	2	0.1%	100%	$1,145,000
VanDyk Mortgage Corporation	Conventional, VA, Jumbo	2	0.1%	100%	$1,240,000
Teachers Federal Credit Union	Conventional	2	0.1%	100%	$1,020,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	2	0.1%	100%	$1,380,000	View
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional, Jumbo	2	0.1%	100%	$1,460,000	View
Summit Mortgage Corporation A5.0 ★Texas Ratio: 6.67%	Conventional	2	0.1%	100%	$525,000	View
Pulte Mortgage LLC	Conventional	2	0.1%	100%	$915,000
Fairway Independent Mort Corp	Conventional	2	0.1%	100%	$705,000
United Nations Federal CU	Conventional, Jumbo	2	0.1%	100%	$1,170,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$875,000
Champions Funding, LLC	Conventional, Jumbo	2	0.1%	50%	$1,615,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +10 HELOCs	0%	100%	$755,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +7 HELOCs	0%	100%	$785,000
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	1 +3 HELOCs	0%	100%	$1,255,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0%	100%	$1,525,000	View
Boeing Employees' Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$625,000
EMM Loans LLC	FHA	1	0%	100%	$225,000
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$2,255,000
Shinhan Bank America	Conventional	1	0%	100%	$425,000
Cliffco, Inc.	Conventional, Jumbo	1	0%	100%	$1,215,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	50%	$395,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0%	100%	$1,525,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$1,105,000
PHH Mortgage Corporation	Conventional	1	0%	50%	$685,000
Dart Bank	Conventional	1	0%	50%	$505,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$1,205,000	View
Amerisave Mortgage Company	Conventional	1	0%	10%	$265,000
Bayshore Mortgage Funding	Conventional, Jumbo	1	0%	100%	$1,765,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$1,005,000
Securitynational Mortgage Company	Conventional	1	0%	100%	$1,205,000
Kwik Mortgage Corporation	Conventional	1	0%	100%	$1,065,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$775,000
Homeowners Financial Group, LLC	Conventional	1	0%	100%	$495,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0%	100%	$775,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional, Jumbo	1	0%	100%	$1,355,000
Planet Home Lending, LLC	Conventional	1	0%	100%	$355,000
Vellum Mortgage, Inc.	Conventional, Jumbo	1	0%	100%	$1,305,000
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$205,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo	1	0%	100%	$1,225,000	View
Mortgage Research Center	VA, Jumbo	1	0%	100%	$1,365,000
Abbott Laboratories Employees Credit Union	Conventional, Jumbo	1	0%	100%	$1,405,000
Uif Corporation	Conventional	1	0%	100%	$895,000
Genway Home Mortgage, Inc.	Conventional	1	0%	100%	$995,000
Liberty Home Mortgage Corp	Conventional	1	0%	100%	$475,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0%	50%	$1,355,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$525,000
Toyota Financial Savings Bank	Conventional, Jumbo	1	0%	100%	$1,375,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0%	100%	$525,000	View
Industrial and Commercial Bank of China (USA) NA	Conventional, Jumbo	1	0%	100%	$1,555,000
Luxury Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$2,595,000
Leaderone Financial Corp.	Conventional	1	0%	100%	$505,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$795,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$305,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +27 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +13 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +12 HELOCs	0%	50%
Usalliance Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
ANECA Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Capital Credit Union A-5.0 ★Texas Ratio: 15.49%	HELOC	0 +1 HELOCs	0%	n/a		View
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	0%
Communityamerica Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Irvine 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 Irvine, California

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

Types of Mortgage Lenders in Irvine, CA

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

Mortgage companies and brokers 139 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 66 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 58 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 18 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 15 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 128 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 126 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Irvine, CA

Independent mortgage companies closed 50.5 percent of home loans in Irvine, California in 2025, banks 42.7 percent and credit unions 6.8 percent. loanDepot.com LLC was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, East West Bank led with 131 loans.

50.5%

Mortgage companies

42.7%

Banks

6.8%

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 Irvine, CA

Who is the largest mortgage lender in Irvine, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Irvine, California with 301 loans, about 10.5 percent of the market. The largest lender headquartered in California was East West Bank with 131 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Irvine, California, General Mortgage Capital Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 85.3 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 Irvine, CA mortgage lenders offer FHA, VA and USDA loans?

18 lenders closed FHA loans in Irvine, California in 2025, led by United Wholesale Mortgage with 3. 15 lenders closed VA loans, led by Freedom Mortgage Corporation. 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 Irvine, CA lender list?

Yes. 66 banks and 58 credit unions closed home loans in Irvine, California in 2025, alongside 139 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 Irvine, CA ranked on this page?

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