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Mortgage Lenders and Brokers in Laguna Beach, California

Content reviewed by

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

Laguna Beach, California mortgage lenders include US Bank, N.A.US Bank, N.A.229 Broadway St, Laguna Beach, CA 92651A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA299 Ocean Ave, Laguna Beach, CA 92651A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA260 Ocean Ave, Laguna Beach, CA 92651A+5.0 ★Texas Ratio: 5.36%, Farmers and Merchants Bank of Long BeachFarmers and Merchants Bank of Long Beach401 Glenneyre Street, Laguna Beach, CA 92651A+5.0 ★Texas Ratio: 0.06%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, and Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Laguna Beach, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Laguna Beach 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 Laguna Beach, California

Market share is the lender's share of all home loans closed in Laguna Beach, 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. 1 office in Laguna Beach 229 Broadway St, Laguna Beach, CA 92651 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	20 +8 HELOCs	6.2%	71%	$1,996,500	View
Bank of America NA 1 office in Laguna Beach 299 Ocean Ave, Laguna Beach, CA 92651 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	18 +19 HELOCs	5.6%	90%	$2,721,111	View
Wells Fargo Bank NA 1 office in Laguna Beach 260 Ocean Ave, Laguna Beach, CA 92651 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	15	4.6%	65.2%	$1,920,333	View
Farmers and Merchants Bank of Long Beach 1 office in Laguna Beach 401 Glenneyre Street, Laguna Beach, CA 92651 A+5.0 ★Texas Ratio: 0.06%	Conventional, Jumbo	2	0.6%	50%	$1,265,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	14 +1 HELOCs	4.3%	88.2%	$2,416,428	View
JPMorgan Chase Bank, NA 14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	13 +5 HELOCs	4%	66.7%	$3,881,923	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +2 HELOCs	1.9%	85.7%	$2,708,333	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	1.9%	100%	$2,398,333	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	4 +3 HELOCs	1.2%	75%	$2,612,500	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	2 +19 HELOCs	0.6%	100%	$715,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.6%	100%	$1,090,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.6%	100%	$4,515,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.6%	100%	$1,805,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	2	0.6%	100%	$2,505,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	2	0.6%	100%	$490,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.3%	50%	$2,005,000	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, Jumbo, HELOC	1 +3 HELOCs	0.3%	100%	$2,325,000	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	1 +3 HELOCs	0.3%	100%	$2,125,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$1,005,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$2,045,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo	1	0.3%	100%	$3,825,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.3%	100%	$755,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0.3%	100%	$2,395,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	1	0.3%	100%	$3,505,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.3%	50%	$4,585,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional, Jumbo	1	0.3%	100%	$2,455,000	View
The Northern Trust Co 2049 Century Park E, Los Angeles, CA 90067 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	1	0.3%	100%	$3,085,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.3%	100%	$1,195,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.3%	100%	$155,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	HELOC	0 +3 HELOCs	0%	0%		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	HELOC	0 +1 HELOCs	0%	n/a		View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	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
Umb Bank NA 255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View
Fundloans Capital	Conventional, Jumbo	7	2.2%	100%	$1,513,571
AmWest Funding Corp	Conventional, Jumbo, HELOC	4 +1 HELOCs	1.2%	80%	$1,305,000
loanDepot.com LLC	Conventional, Jumbo	4	1.2%	100%	$615,000
ClearEdge Lending LLC	Conventional, Jumbo	4	1.2%	71.4%	$2,490,000
Cake Mortgage Corp.	Conventional, Jumbo	4	1.2%	100%	$2,047,500
Kind Lending, LLC	Conventional, Jumbo	3	0.9%	60%	$1,668,333
Pennymac Loan Services LLC	Conventional, VA	3	0.9%	75%	$801,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	3	0.9%	100%	$1,988,333	View
Flexpoint, Inc.	Conventional, Jumbo	3	0.9%	75%	$1,668,333
Franklin Loan Corporation	Conventional, Jumbo	3	0.9%	100%	$1,228,333
Citadel Servicing Corporation	Conventional, Jumbo	3	0.9%	100%	$2,475,000
Vista Point Mortgage, LLC	Conventional, Jumbo	3	0.9%	60%	$741,666
AAA Capital Investment, Inc	Conventional, Jumbo	2	0.6%	100%	$2,445,000
American Financial Network, Inc.	Conventional, Jumbo	2	0.6%	100%	$2,075,000
Ony Glo, Inc.	Conventional, Jumbo	2	0.6%	50%	$480,000
JSB Mortgage Corporation	Conventional, Jumbo	2	0.6%	100%	$1,855,000
New American Funding, LLC.	Conventional, Jumbo	2	0.6%	100%	$945,000
Banc One Mortage Corporation	Conventional, Jumbo	2	0.6%	100%	$1,320,000
Nexera Holding LLC	Conventional, Jumbo	2	0.6%	100%	$1,760,000
Arcstone Financial Inc	Conventional, Jumbo	2	0.6%	100%	$2,300,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.3%	100%	$2,745,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.3%	33.3%	$225,000
General Mortgage Capital Corporation	Conventional, Jumbo	1	0.3%	100%	$1,605,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.3%	50%	$1,225,000
Royal Pacific Funding	Conventional	1	0.3%	100%	$825,000
Hightechlending, Inc	Conventional, Jumbo	1	0.3%	100%	$755,000
Greenbox Loans	Conventional	1	0.3%	100%	$455,000
Stg Mortgage Inc	Conventional, Jumbo	1	0.3%	100%	$2,305,000
Southland Credit Uniom	Conventional	1	0.3%	100%	$995,000
Paramount Residential Mortgage	Conventional, Jumbo	1	0.3%	100%	$2,205,000
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	25 +4 HELOCs	7.7%	83.9%	$1,659,800
Rocket Mortgage	Conventional, Jumbo	17	5.3%	60.7%	$1,150,882
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	12 +1 HELOCs	3.7%	80%	$3,658,333	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	11	3.4%	100%	$3,318,636	View
Originpoint, LLC	Conventional, Jumbo	5	1.5%	100%	$2,241,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	4 +1 HELOCs	1.2%	100%	$2,007,500	View
Newrez LLC	Conventional, Jumbo	4	1.2%	66.7%	$1,345,000
CrossCountry Mortgage, LLC	Conventional, Jumbo	4	1.2%	100%	$912,500
Arc Home LLC	Conventional, Jumbo	3	0.9%	100%	$1,965,000
Deephaven Mortgage LLC	Conventional, Jumbo	3	0.9%	100%	$755,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	3	0.9%	100%	$2,645,000
Union Savings Bank	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.6%	100%	$2,780,000
Better Mortgage Corporation	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.6%	50%	$1,165,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.6%	100%	$3,845,000	View
Ameritrust Mortgage Corporation	Conventional, Jumbo	2	0.6%	100%	$1,445,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	2	0.6%	66.7%	$1,465,000	View
Logan Finance Corporation	Conventional, Jumbo	2	0.6%	100%	$2,565,000
Champions Funding, LLC	Conventional, Jumbo	2	0.6%	66.7%	$2,005,000
The Loan Store, Inc	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.3%	100%	$1,835,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.3%	50%	$2,995,000	View
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	1	0.3%	100%	$4,405,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.3%	100%	$585,000
Everett Financial, Inc.	Conventional, Jumbo	1	0.3%	100%	$1,485,000
Lakeview Loan Servicing, LLC	Conventional	1	0.3%	100%	$255,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.3%	100%	$1,195,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.3%	100%	$805,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0.3%	100%	$1,525,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional	1	0.3%	100%	$935,000	View
Nqm Funding, LLC	Conventional	1	0.3%	100%	$1,005,000
First Colony Mortgage Corporat	Conventional, Jumbo	1	0.3%	100%	$1,325,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.3%	100%	$395,000
Planet Home Lending, LLC	Conventional, Jumbo	1	0.3%	100%	$2,615,000
Teachers Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$2,195,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.3%	100%	$125,000	View
Nationstar Mortgage	Conventional	1	0.3%	100%	$85,000
GuardHill Financial LLC	Conventional, Jumbo	1	0.3%	100%	$1,435,000
Digital Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$1,305,000
Prosperity Home Mortgage, LLC	Conventional	1	0.3%	100%	$755,000
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.3%	100%	$1,365,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	VA, Jumbo	1	0.3%	100%	$1,345,000
Ark-La-Tex Financial Services LLC	Conventional, Jumbo	1	0.3%	100%	$1,375,000
Flyhomes Mortgage LLC	Conventional, Jumbo	1	0.3%	100%	$1,705,000
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +2 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	n/a		View
Guaranteed Rate, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
Spring Eq, LLC	HELOC	0 +1 HELOCs	0%	0%

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.

Laguna Beach 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 Laguna Beach, California

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

Types of Mortgage Lenders in Laguna Beach, CA

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

Mortgage companies and brokers 63 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 39 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 3 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 81 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 51 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Laguna Beach, CA

Independent mortgage companies closed 50.8 percent of home loans in Laguna Beach, California in 2025, banks 45.2 percent and credit unions 4 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 18 loans.

50.8%

Mortgage companies

45.2%

Banks

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 Laguna Beach, CA

Who is the largest mortgage lender in Laguna Beach, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Laguna Beach, California with 20 loans, about 6.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Yes. 39 banks and 21 credit unions closed home loans in Laguna Beach, California in 2025, alongside 63 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 Laguna Beach, CA ranked on this page?

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