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Mortgage Lenders and Brokers in Lake Forest, California

Content reviewed by

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

Lake Forest, California mortgage lenders include US Bank, N.A.US Bank, N.A.22405 El Toro Rd, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA21731 Lake Forest Dr Ste 101103104, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA24251 Rockfield Blvd, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA23562 El Toro Rd, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA23831 El Toro Rd, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 4.14%, Hometown Equity Mortgage, LLCHometown Equity Mortgage, LLCLake Forest, CA, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Eagle Community Credit UnionEagle Community Credit Union24336 Rockfield Blvd, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 3.63%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, and Orange County'S FCUOrange County'S FCU21791 Lake Forest Dr Ste 110, Lake Forest, CA 92630A+5.0 ★Texas Ratio: 4.43%. 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 Lake Forest, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake Forest 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 Lake Forest, California

Market share is the lender's share of all home loans closed in Lake Forest, 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. 3 offices in Lake Forest 22405 El Toro Rd, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	49 +18 HELOCs	4.6%	79.7%	$887,448	View
JPMorgan Chase Bank, NA 1 office in Lake Forest 21731 Lake Forest Dr Ste 101103104, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	25	2.4%	89.3%	$865,400	View
Wells Fargo Bank NA 1 office in Lake Forest 24251 Rockfield Blvd, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	25	2.4%	80.6%	$1,087,800	View
Citibank, NA 1 office in Lake Forest 23562 El Toro Rd, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	15	1.4%	80%	$1,191,666	View
Bank of America NA 2 offices in Lake Forest 23831 El Toro Rd, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +31 HELOCs	1%	91.7%	$934,090	View
Hometown Equity Mortgage, LLC	Conventional, FHA, Jumbo	6	0.6%	66.7%	$1,076,666
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	55 +94 HELOCs	5.2%	98.2%	$466,636	View
Eagle Community Credit Union 24336 Rockfield Blvd, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 3.63%	Conventional, HELOC	30 +2 HELOCs	2.8%	100%	$156,666	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	24 +2 HELOCs	2.3%	96%	$1,017,083	View
Orange County'S FCU 21791 Lake Forest Dr Ste 110, Lake Forest, CA 92630 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	15 +18 HELOCs	1.4%	80%	$197,666	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	11	1%	61.1%	$293,181	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	9	0.9%	64.3%	$985,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	8	0.8%	90%	$1,082,500	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.6%	85.7%	$1,175,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.5%	83.3%	$1,539,000	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	0.5%	100%	$1,431,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional	5	0.5%	100%	$877,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	5	0.5%	83.3%	$953,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	4	0.4%	100%	$795,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional	4	0.4%	80%	$387,500	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional, Jumbo	3	0.3%	100%	$1,228,333	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	2 +6 HELOCs	0.2%	66.7%	$1,180,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.2%	100%	$1,245,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$410,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo	2	0.2%	100%	$1,675,000	View
Southwestern National Bank 2951 W Ball Rd Unit 100, Anaheim, CA 92804 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	2	0.2%	100%	$1,040,000	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	2	0.2%	100%	$60,000	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 +24 HELOCs	0.1%	33.3%	$1,785,000	View
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$55,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000	View
Bank of Hope 5307 Beach Blvd, Buena Park, CA 90621 A+5.0 ★Texas Ratio: 4.07%	Conventional, Jumbo	1	0.1%	100%	$1,475,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.1%	100%	$655,000	View
Bank Irvine 6201 Oak Canyon Suite 150, Irvine, CA 92618 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
American Continental Bank 808 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$725,000	View
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	FHA	1	0.1%	100%	$625,000	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%	$1,155,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	1	0.1%	100%	$145,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$495,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0.1%	100%	$985,000	View
Mission Federal Credit Union 1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$1,005,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, Jumbo	1	0.1%	100%	$1,295,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$505,000	View
Woori America Bank 5731 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 11.01%	Conventional	1	0.1%	100%	$835,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +8 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 +3 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	HELOC	0 +2 HELOCs	0%	n/a		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +2 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 +2 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
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
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	HELOC	0 +1 HELOCs	0%	0%		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
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	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
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	n/a		View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	23	2.2%	79.3%	$665,434
AmWest Funding Corp	Conventional, FHA, Jumbo, HELOC	18 +4 HELOCs	1.7%	85.7%	$745,000
New American Funding, LLC.	Conventional, FHA, HELOC	15 +1 HELOCs	1.4%	88.2%	$611,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	14	1.3%	100%	$826,428	View
loanDepot.com LLC	Conventional, VA, Jumbo, HELOC	13 +3 HELOCs	1.2%	54.2%	$608,846
General Mortgage Capital Corporation	Conventional, Jumbo	11	1%	91.7%	$988,636
New Wave Lending Group Inc	Conventional, Jumbo	10	0.9%	100%	$861,000
Kind Lending, LLC	Conventional, Jumbo, HELOC	9 +1 HELOCs	0.9%	90%	$689,444
Emet Lending Group, Inc.	Conventional, Jumbo	9	0.9%	100%	$880,555
Zillow Home Loans, LLC	Conventional	7	0.7%	100%	$883,571
Royal Pacific Funding	Conventional, FHA	6	0.6%	100%	$496,666
Nmsi, Inc.	Conventional, Jumbo	6	0.6%	100%	$1,148,333
Resicentral LLC	Conventional	5	0.5%	100%	$749,000
Flexpoint, Inc.	Conventional, Jumbo	5	0.5%	100%	$917,000
JSB Mortgage Corporation	Conventional, Jumbo	5	0.5%	100%	$1,289,000
Paramount Residential Mortgage	Conventional, FHA	5	0.5%	83.3%	$737,000
JMAC Lending, Inc.	Conventional	5	0.5%	100%	$679,000
Googain, Inc.	Conventional, Jumbo	4	0.4%	100%	$1,032,500
Ony Glo, Inc.	Conventional, VA	4	0.4%	80%	$500,000
Financial Partners Credit Unio	Conventional, HELOC	3 +8 HELOCs	0.3%	75%	$381,666
MortgageOne, Inc	Conventional	3	0.3%	100%	$505,000
Guild Mortgage Company	Conventional	3	0.3%	100%	$498,333
JMJ Financial Group Inc.	Conventional	3	0.3%	100%	$665,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	3	0.3%	100%	$965,000
Victoria Financial Corp	Conventional	3	0.3%	100%	$491,666
Franklin Loan Corporation	Conventional, FHA	3	0.3%	100%	$1,008,333
ClearEdge Lending LLC	Conventional, Jumbo	3	0.3%	75%	$891,666
Nexera Holding LLC	Conventional	3	0.3%	100%	$348,333
Carrington Mortgage Services LLC	Conventional, FHA	3	0.3%	60%	$681,666
Vista Point Mortgage, LLC	Conventional, Jumbo	3	0.3%	75%	$838,333
Cake Mortgage Corp.	Conventional	3	0.3%	100%	$408,333
Golden Empire Mortgage, Inc.	FHA, VA	2	0.2%	100%	$725,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.2%	50%	$830,000
American Heritage Lending, LLC	Conventional	2	0.2%	100%	$975,000
T. J. Financial, Inc.	Conventional	2	0.2%	100%	$910,000
ML Mortgage Corp.	Conventional	1	0.1%	100%	$845,000
Watermark Capital, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,295,000
AAA Capital Investment, Inc	Conventional	1	0.1%	75%	$555,000
Mortgage Capital Partners, INC	Conventional	1	0.1%	100%	$205,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	33.3%	$515,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$705,000
Constant Investments, Inc	Conventional	1	0.1%	100%	$925,000
Bay-Valley Mortgage Group	FHA	1	0.1%	100%	$675,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$155,000
Ahl Funding	Conventional	1	0.1%	100%	$785,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$385,000
Greenbox Loans	Conventional	1	0.1%	100%	$265,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$695,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$1,005,000	View
Provident Funding Associates	Conventional	1	0.1%	100%	$725,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	50%	$375,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$1,205,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$1,055,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$105,000
Arcstone Financial Inc	Conventional, Jumbo	1	0.1%	100%	$685,000
Figure Lending LLC	HELOC	0 +21 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	123	11.6%	74.1%	$607,764
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	97 +19 HELOCs	9.2%	83.9%	$821,804
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	17 +2 HELOCs	1.6%	100%	$700,882
The Loan Store, Inc	Conventional, Jumbo, HELOC	15 +3 HELOCs	1.4%	89.5%	$809,000
Nationstar Mortgage	Conventional	14	1.3%	70%	$234,285
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, Jumbo	13	1.2%	86.7%	$731,923	View
Spring Eq, LLC	Conventional, HELOC	12 +13 HELOCs	1.1%	41.4%	$160,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.9%	100%	$789,000
Newrez LLC	Conventional, FHA, VA, Jumbo	10	0.9%	55.6%	$706,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	10	0.9%	84.6%	$955,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, Jumbo, HELOC	8 +8 HELOCs	0.8%	66.7%	$506,250
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo	8	0.8%	88.9%	$1,015,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	6 +1 HELOCs	0.6%	100%	$805,000	View
Primelending	Conventional	6	0.6%	90%	$553,333
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	6	0.6%	85.7%	$966,666	View
Movement Mortgage, LLC	Conventional	6	0.6%	100%	$645,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.6%	100%	$1,026,666	View
Freedom Mortgage Corporation	Conventional, VA, Jumbo	4	0.4%	62.5%	$1,280,000
First Colony Mortgage Corporat	Conventional, Jumbo	4	0.4%	83.3%	$947,500
Ameritrust Mortgage Corporation	Conventional, Jumbo	4	0.4%	100%	$1,005,000
Mortgage Research Center	VA	4	0.4%	100%	$535,000
Logan Finance Corporation	Conventional, Jumbo	4	0.4%	80%	$1,625,000
Prosperity Home Mortgage, LLC	Conventional	4	0.4%	100%	$612,500
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	3 +6 HELOCs	0.3%	80%	$701,666	View
Arc Home LLC	Conventional, Jumbo	3	0.3%	60%	$1,068,333
Discover Bank	Conventional	3	0.3%	42.9%	$111,666
Angel Oak Mortgage Solutions LLC	Conventional	3	0.3%	75%	$448,333
Better Mortgage Corporation	Conventional, HELOC	2 +4 HELOCs	0.2%	28.6%	$660,000
Union Home Mortgage Corp.	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$725,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.2%	100%	$675,000	View
Everett Financial, Inc.	Conventional	2	0.2%	100%	$1,160,000
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.2%	44.4%	$325,000
Dart Bank	Conventional	2	0.2%	100%	$475,000
Toll Brothers Mortgage Company	Conventional	2	0.2%	60%	$835,000
Nqm Funding, LLC	Conventional	2	0.2%	100%	$430,000
Bay Equity LLC	Conventional	2	0.2%	100%	$665,000
Boeing Employees' Credit Union	Conventional	2	0.2%	100%	$420,000
Digital Federal Credit Union	Conventional	2	0.2%	100%	$505,000
Fairway Independent Mort Corp	Conventional, FHA	2	0.2%	100%	$565,000
Ark-La-Tex Financial Services LLC	FHA	2	0.2%	100%	$675,000
Luxury Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$2,155,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.2%	100%	$805,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +10 HELOCs	0.1%	33.3%	$25,000	View
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$475,000	View
HomeBridge Financial Services, Inc	Conventional, Jumbo, HELOC	1 +5 HELOCs	0.1%	100%	$2,405,000
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$55,000
Genisys Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$2,505,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$105,000
Success Lending, LLC	VA	1	0.1%	100%	$625,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$835,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	50%	$385,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$465,000
Triad Financial Services, Inc.	Conventional	1	0.1%	25%	$295,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$955,000
Amerisave Mortgage Company	Conventional	1	0.1%	7.1%	$165,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$545,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$255,000	View
Valon Mortgage	Conventional	1	0.1%	100%	$365,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$805,000
Credit Human Federal Credit Un	Conventional	1	0.1%	60%	$235,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$365,000
Foundation Mortgage Corporation	Conventional, Jumbo	1	0.1%	66.7%	$1,355,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0.1%	100%	$155,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$655,000
Planet Home Lending, LLC	VA	1	0.1%	100%	$535,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$1,195,000	View
T2 Financial LLC	Conventional	1	0.1%	100%	$675,000
Waterstone Mortgage Corporation	VA	1	0.1%	100%	$495,000
Megastar Finanacial Corp	Conventional	1	0.1%	100%	$885,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$905,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$525,000
Genway Home Mortgage, Inc.	Conventional	1	0.1%	100%	$935,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$995,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$655,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$1,065,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$655,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	100%	$355,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$815,000	View
Champions Funding, LLC	Conventional	1	0.1%	100%	$995,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +11 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +6 HELOCs	0%	0%
First Technology Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Signature Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	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%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Teachers Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lower, LLC	HELOC	0 +1 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	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.

Lake Forest 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 Lake Forest, California

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

Types of Mortgage Lenders in Lake Forest, CA

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

Mortgage companies and brokers 117 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 50 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 22 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 18 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 63 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 103 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Lake Forest, CA

Independent mortgage companies closed 62 percent of home loans in Lake Forest, California in 2025, banks 24.2 percent and credit unions 13.7 percent. Hometown Equity Mortgage, 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, Bank of America NA led with 11 loans.

62%

Mortgage companies

24.2%

Banks

13.7%

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 Lake Forest, CA

Who is the largest mortgage lender in Lake Forest, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Lake Forest, California with 49 loans, about 4.6 percent of the market. The largest lender headquartered in California was Bank of America NA with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Lake Forest, California, Schoolsfirst FCU approved the highest share of completed applications in 2025 at 98.2 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 Lake Forest, CA mortgage lenders offer FHA, VA and USDA loans?

22 lenders closed FHA loans in Lake Forest, California in 2025, led by United Wholesale Mortgage with 13. 18 lenders closed VA loans, led by Rocket 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 Lake Forest, CA lender list?

Yes. 47 banks and 50 credit unions closed home loans in Lake Forest, California in 2025, alongside 117 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 Lake Forest, CA ranked on this page?

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