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Mortgage Lenders and Brokers in Laguna Niguel, California

Content reviewed by

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

Laguna Niguel, California mortgage lenders include US Bank, N.A.US Bank, N.A.27211 La Paz Rd, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA32361 Golden Lantern, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA30162 Crown Valley Pkwy, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA32331 Golden Lantern, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA30311 Street Of The Golden Lantern, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 2.82%, Schoolsfirst FCUSchoolsfirst FCU27120 Alicia Pkwy, Laguna Niguel, CA 92677A+5.0 ★Texas Ratio: 5.56%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%. 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 Niguel, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Laguna Niguel 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 Niguel, California

Market share is the lender's share of all home loans closed in Laguna Niguel, 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 Laguna Niguel 27211 La Paz Rd, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	55 +16 HELOCs	6.5%	78.9%	$1,079,727	View
JPMorgan Chase Bank, NA 4 offices in Laguna Niguel 32361 Golden Lantern, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	27 +6 HELOCs	3.2%	79.4%	$922,407	View
Bank of America NA 1 office in Laguna Niguel 30162 Crown Valley Pkwy, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	22 +54 HELOCs	2.6%	91.7%	$1,237,272	View
Wells Fargo Bank NA 4 offices in Laguna Niguel 32331 Golden Lantern, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	22	2.6%	78.6%	$1,325,000	View
Citibank, NA 1 office in Laguna Niguel 30311 Street Of The Golden Lantern, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	13 +1 HELOCs	1.5%	82.4%	$1,072,692	View
Schoolsfirst FCU 27120 Alicia Pkwy, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	32 +72 HELOCs	3.8%	91.9%	$568,750	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	8	0.9%	100%	$1,160,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.9%	80%	$326,250	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +4 HELOCs	0.6%	100%	$1,209,000	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	5 +3 HELOCs	0.6%	83.3%	$2,455,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.6%	83.3%	$1,159,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.5%	80%	$1,502,500	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +8 HELOCs	0.4%	87.5%	$2,521,666	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	3	0.4%	100%	$1,065,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, Jumbo	3	0.4%	60%	$928,333	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	2 +15 HELOCs	0.2%	50%	$165,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.2%	100%	$3,005,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	2	0.2%	100%	$1,070,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 28121 Crown Valley Pkwy Ste K, Laguna Niguel, CA 92677 1491 A+5.0 ★Texas Ratio: 2.66%	Conventional, HELOC	1 +22 HELOCs	0.1%	100%	$1,025,000	View
San Diego County Credit Union 32341 Golden Lantern Ste A, Laguna Niguel, CA 92677 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$485,000	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 +1 HELOCs	0.1%	100%	$2,305,000	View
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
First Commercial Bank (USA) 200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0.1%	100%	$905,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$125,000
Bank Irvine 6201 Oak Canyon Suite 150, Irvine, CA 92618 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	1	0.1%	100%	$1,255,000	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional	1	0.1%	100%	$555,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional	1	0.1%	100%	$1,015,000	View
Altura Credit Union 300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	100%	$1,205,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$955,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$865,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0.1%	100%	$95,000	View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	Conventional, Jumbo	1	0.1%	100%	$1,285,000
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$125,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +4 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 +4 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +3 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 +2 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 +2 HELOCs	0%	n/a		View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	n/a		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 +1 HELOCs	0%	n/a		View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	HELOC	0 +1 HELOCs	0%	n/a		View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	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
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	HELOC	0 +1 HELOCs	0%	n/a		View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	28	3.3%	87.5%	$844,285
loanDepot.com LLC	Conventional, HELOC	17 +2 HELOCs	2%	81%	$376,764
New American Funding, LLC.	Conventional, Jumbo, HELOC	11 +3 HELOCs	1.3%	100%	$895,909
Franklin Loan Corporation	Conventional, Jumbo	11	1.3%	100%	$798,636
AmWest Funding Corp	Conventional, Jumbo, HELOC	9 +2 HELOCs	1.1%	100%	$688,333
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	8	0.9%	88.9%	$660,000	View
Citadel Servicing Corporation	Conventional, Jumbo	7	0.8%	100%	$1,187,857
Vista Point Mortgage, LLC	Conventional, Jumbo	7	0.8%	100%	$910,714
Nexera Holding LLC	Conventional, Jumbo	5	0.6%	100%	$1,177,000
Cake Mortgage Corp.	Conventional, Jumbo	5	0.6%	100%	$1,103,000
Golden Empire Mortgage, Inc.	Conventional	4	0.5%	100%	$257,500
Paramount Residential Mortgage	Conventional	4	0.5%	100%	$470,000
JMAC Lending, Inc.	Conventional, Jumbo	4	0.5%	100%	$917,500
JSB Mortgage Corporation	Conventional, Jumbo	3	0.4%	100%	$1,808,333
Hometown Equity Mortgage, LLC	Conventional, FHA	3	0.4%	50%	$485,000
Kind Lending, LLC	Conventional, HELOC	2 +2 HELOCs	0.2%	22.2%	$405,000
Alameda Mortgage Corporation	Conventional	2	0.2%	100%	$425,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.2%	66.7%	$165,000
Guild Mortgage Company	Conventional	2	0.2%	100%	$655,000
PFN Lending Group, Inc.	Conventional, Jumbo	2	0.2%	100%	$855,000
Googain, Inc.	Conventional	2	0.2%	100%	$670,000
Residential First Capital	Conventional, Jumbo	2	0.2%	100%	$870,000
Ahl Funding	Conventional	2	0.2%	100%	$655,000
First Stardand Financial dba Nexcap Home Loans	Conventional	2	0.2%	100%	$400,000
Evo Home Loans, LLC dba Epiq Lending	Conventional, Jumbo	2	0.2%	100%	$1,305,000
Ony Glo, Inc.	Conventional	2	0.2%	100%	$605,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.2%	100%	$430,000
Zillow Home Loans, LLC	Conventional	2	0.2%	66.7%	$425,000
Nmsi, Inc.	Conventional, Jumbo	2	0.2%	100%	$1,155,000
Plaza Home Mortgage, Inc	Conventional	2	0.2%	100%	$230,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$1,165,000
MortgageOne, Inc	Conventional	1	0.1%	100%	$1,005,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$225,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$775,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$3,375,000
Resicentral LLC	Conventional	1	0.1%	50%	$225,000
AdvantageFirst Lending Inc	Conventional	1	0.1%	50%	$165,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.1%	50%	$1,515,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$765,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$875,000
ResMac Inc	Conventional, Jumbo	1	0.1%	100%	$1,835,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$515,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$1,115,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$255,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$935,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$205,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$505,000	View
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$655,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$1,065,000
Emet Lending Group, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,285,000
ClearEdge Lending LLC	Conventional	1	0.1%	33.3%	$795,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +6 HELOCs	0%	0%
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	101	11.9%	72.2%	$731,930
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	87 +18 HELOCs	10.3%	87.4%	$836,379
Guaranteed Rate, Inc.	Conventional, Jumbo	16	1.9%	94.1%	$1,052,500
CrossCountry Mortgage, LLC	Conventional, Jumbo	16	1.9%	94.7%	$945,625
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	13	1.5%	100%	$972,692	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	12 +1 HELOCs	1.4%	92.3%	$672,500	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	11 +2 HELOCs	1.3%	100%	$1,095,000	View
Spring Eq, LLC	Conventional, HELOC	9 +8 HELOCs	1.1%	33.3%	$188,333
The Loan Store, Inc	Conventional, VA, Jumbo, HELOC	9 +3 HELOCs	1.1%	91.7%	$839,444
Nationstar Mortgage	Conventional, VA	8	0.9%	75%	$435,000
Logan Finance Corporation	Conventional, Jumbo	8	0.9%	100%	$1,603,750
Newrez LLC	Conventional, VA, Jumbo	7	0.8%	63.6%	$979,285
Teachers Federal Credit Union	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.7%	100%	$1,328,333
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	6	0.7%	100%	$946,666
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	6	0.7%	100%	$2,036,666	View
Originpoint, LLC	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.6%	100%	$1,939,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	5	0.6%	100%	$1,271,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA	5	0.6%	100%	$669,000
Deephaven Mortgage LLC	Conventional, Jumbo	5	0.6%	100%	$797,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA, Jumbo	5	0.6%	100%	$779,000	View
Nations Direct Mortgage, LLC	Conventional, VA, Jumbo	5	0.6%	100%	$979,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +7 HELOCs	0.5%	80%	$222,500	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.5%	100%	$1,650,000	View
Better Mortgage Corporation	Conventional	4	0.5%	80%	$315,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +5 HELOCs	0.4%	60%	$445,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	3	0.4%	100%	$1,141,666	View
Prosperity Home Mortgage, LLC	Conventional, Jumbo	3	0.4%	100%	$1,405,000
Champions Funding, LLC	Conventional	3	0.4%	75%	$528,333
Alliant Credit Union	Conventional, Jumbo, HELOC	2 +6 HELOCs	0.2%	100%	$1,690,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$380,000	View
RBC Bank (Georgia), N.A.	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$785,000
Arc Home LLC	Conventional	2	0.2%	100%	$775,000
Canopy Mortgage, LLC	Conventional	2	0.2%	100%	$755,000
Dart Bank	Conventional	2	0.2%	66.7%	$940,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0.2%	100%	$720,000	View
Lennar Mortgage, LLC	Conventional	2	0.2%	100%	$1,030,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	2	0.2%	100%	$1,175,000	View
Mortgage Research Center	VA, Jumbo	2	0.2%	100%	$1,095,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$105,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	50%	$1,255,000
First Technology Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$855,000
Movement Mortgage, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$655,000
Oaktree Funding Corp	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,885,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,495,000
First Community Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,345,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, Jumbo	1	0.1%	100%	$1,705,000	View
Primelending	VA	1	0.1%	100%	$575,000
Everett Financial, Inc.	Conventional	1	0.1%	50%	$605,000
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	25%	$55,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$785,000
Directors Mortgage, Inc	Conventional	1	0.1%	100%	$755,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$565,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$515,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0.1%	100%	$1,555,000
Data Mortgage, Inc	Conventional	1	0.1%	100%	$375,000
Nqm Funding, LLC	Conventional	1	0.1%	50%	$855,000
Discover Bank	Conventional	1	0.1%	8.3%	$55,000
Merck Employees FCU	Conventional	1	0.1%	100%	$625,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$505,000
Bay Equity LLC	Conventional	1	0.1%	100%	$495,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$595,000
Real Genius LLC	Conventional	1	0.1%	100%	$745,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$445,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$65,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$905,000
Nfm, Inc	Conventional	1	0.1%	100%	$175,000
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$635,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	Conventional, Jumbo	1	0.1%	100%	$1,525,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$1,155,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$1,195,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$105,000	View
Abbott Laboratories Employees Credit Union	Conventional	1	0.1%	100%	$205,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$1,035,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$1,145,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$445,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$505,000	View
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$605,000
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$745,000
Texana Bank	Conventional	1	0.1%	100%	$425,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$755,000	View
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$1,005,000
Quorum Federal Credit Union	HELOC	0 +8 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +7 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +7 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Union Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Consumers 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.

Laguna Niguel 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 Niguel, California

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

Types of Mortgage Lenders in Laguna Niguel, CA

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

Mortgage companies and brokers 107 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 41 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 8 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 14 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 68 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 90 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Laguna Niguel, CA

Independent mortgage companies closed 63.6 percent of home loans in Laguna Niguel, California in 2025, banks 28.8 percent and credit unions 7.6 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 22 loans.

63.6%

Mortgage companies

28.8%

Banks

7.6%

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 Niguel, CA

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

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Laguna Niguel, California with 55 loans, about 6.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Laguna Niguel, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87.4 percent, against a 82.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Laguna Niguel, CA mortgage lenders offer FHA, VA and USDA loans?

8 lenders closed FHA loans in Laguna Niguel, California in 2025, led by United Wholesale Mortgage with 5. 14 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 Laguna Niguel, CA lender list?

Yes. 46 banks and 41 credit unions closed home loans in Laguna Niguel, California in 2025, alongside 107 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 Niguel, CA ranked on this page?

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