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Mortgage Lenders and Brokers in Manhattan Beach, California

Content reviewed by

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

Manhattan Beach, California mortgage lenders include Citibank, NACitibank, NA2710 N Sepulveda Blvd, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA1129 N Sepulveda Blvd, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1200 Highland Ave, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA601 N Sepulveda Blvd, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.400 Manhattan Beach Blvd, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA2612 North Sepulveda Boulevard, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 3.54%, Kinecta Federal Credit UnionKinecta Federal Credit Union1440 Rosecrans Ave, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 3.82%, City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, Citizens Bank, NACitizens Bank, NA750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941A+5.0 ★Texas Ratio: 5.44%, 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 Manhattan Beach, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Manhattan 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 Manhattan Beach, California

Market share is the lender's share of all home loans closed in Manhattan 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
Citibank, NA 1 office in Manhattan Beach 2710 N Sepulveda Blvd, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	41 +2 HELOCs	10.5%	97.7%	$2,090,853	View
Wells Fargo Bank NA 2 offices in Manhattan Beach 1129 N Sepulveda Blvd, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	38	9.8%	82.6%	$2,302,631	View
Bank of America NA 2 offices in Manhattan Beach 1200 Highland Ave, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	34 +26 HELOCs	8.7%	91.9%	$2,203,823	View
JPMorgan Chase Bank, NA 5 offices in Manhattan Beach 601 N Sepulveda Blvd, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	24 +5 HELOCs	6.2%	84.4%	$2,515,000	View
US Bank, N.A. 1 office in Manhattan Beach 400 Manhattan Beach Blvd, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	23 +6 HELOCs	5.9%	76.7%	$2,216,739	View
BMO Harris Bank NA 1 office in Manhattan Beach 2612 North Sepulveda Boulevard, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	10 +1 HELOCs	2.6%	76.9%	$2,483,000	View
Kinecta Federal Credit Union 1440 Rosecrans Ave, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo, HELOC	1 +18 HELOCs	0.3%	50%	$1,965,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	8 +4 HELOCs	2.1%	100%	$2,755,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	6 +1 HELOCs	1.5%	100%	$4,275,000	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	1.3%	100%	$3,949,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	1.3%	100%	$2,603,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.8%	100%	$1,978,333	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.8%	60%	$2,298,333	View
Valley National Bank 225 N Beverly Dr, Beverly Hills, CA 90212 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	3	0.8%	100%	$3,885,000	View
The Northern Trust Co 2049 Century Park E, Los Angeles, CA 90067 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	2	0.5%	100%	$5,655,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	2	0.5%	100%	$380,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.5%	100%	$170,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	50%	$1,275,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0.3%	100%	$1,445,000	View
Citizens Business Bank, NA 1800 N Sepulveda Blvd, Manhattan Beach, CA 90266 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	1	0.3%	100%	$1,575,000	View
Farmers and Merchants Bank of Long Beach 2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06%	Conventional, Jumbo	1	0.3%	50%	$1,285,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	1	0.3%	100%	$1,805,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.3%	100%	$4,675,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0.3%	100%	$7,325,000	View
Malaga Bank, FSB 2514 Via Tejon, Palos Verdes Peninsula, CA 90274 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.3%	100%	$535,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +9 HELOCs	0%	n/a		View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	HELOC	0 +4 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 +4 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +2 HELOCs	0%	n/a		View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	HELOC	0 +2 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	50%		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
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	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%	0%		View
First Ciitizens Bank and Trust 1570 Rosecrans Ave Ste F, Manhattan Beach, CA 90266 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	0%		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +1 HELOCs	0%	n/a		View
Fundloans Capital	Conventional, Jumbo	6	1.5%	100%	$2,693,333
ClearEdge Lending LLC	Conventional, Jumbo	4	1%	100%	$1,432,500
loanDepot.com LLC	Conventional, Jumbo	3	0.8%	60%	$2,158,333
Mortgage Capital Partners, INC	Conventional, Jumbo	3	0.8%	100%	$1,771,666
Pennymac Loan Services LLC	Conventional, Jumbo	3	0.8%	100%	$1,818,333
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.8%	60%	$2,081,666
New American Funding, LLC.	Conventional, Jumbo	3	0.8%	100%	$2,218,333
Kind Lending, LLC	Conventional, Jumbo	2	0.5%	66.7%	$945,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	2	0.5%	100%	$2,250,000
New Wave Lending Group Inc	Conventional	2	0.5%	100%	$1,175,000
Nexera Holding LLC	Conventional, Jumbo	2	0.5%	100%	$1,480,000
AmWest Funding Corp	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$115,000
PFN Lending Group, Inc.	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$1,185,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.3%	100%	$1,555,000
Watermark Capital, Inc.	Conventional, Jumbo	1	0.3%	100%	$1,875,000
AAA Capital Investment, Inc	Conventional, Jumbo	1	0.3%	100%	$1,985,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.3%	100%	$1,325,000
Fidelity Lending Solutions Inc	Conventional, Jumbo	1	0.3%	100%	$2,505,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.3%	100%	$155,000	View
JMJ Financial Group Inc.	VA, Jumbo	1	0.3%	100%	$1,845,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.3%	100%	$2,955,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.3%	100%	$1,845,000
Stg Mortgage Inc	Conventional, Jumbo	1	0.3%	100%	$1,485,000
American Pacific Mortgage Corporation	Conventional, Jumbo	1	0.3%	100%	$2,345,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.3%	100%	$2,805,000
Vista Point Mortgage, LLC	Conventional	1	0.3%	100%	$425,000
Cake Mortgage Corp.	Conventional	1	0.3%	100%	$1,005,000
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	24 +1 HELOCs	6.2%	96%	$2,504,166	View
Rocket Mortgage	Conventional, VA, Jumbo	17	4.4%	81%	$1,296,764
Originpoint, LLC	Conventional, Jumbo	10	2.6%	100%	$2,084,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	9 +2 HELOCs	2.3%	100%	$2,052,777	View
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	9 +2 HELOCs	2.3%	90%	$2,352,777
United Wholesale Mortgage	Conventional, Jumbo, HELOC	6 +2 HELOCs	1.5%	85.7%	$1,256,666
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo	5	1.3%	100%	$2,221,000	View
Logan Finance Corporation	Conventional, Jumbo	4	1%	80%	$2,432,500
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	1%	80%	$2,930,000	View
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.8%	75%	$1,835,000
Guaranteed Rate, Inc.	Conventional, Jumbo	3	0.8%	100%	$1,455,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.5%	100%	$1,080,000
The Loan Store, Inc	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.5%	100%	$1,255,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.5%	100%	$4,000,000	View
Ameritrust Mortgage Corporation	Conventional, Jumbo	2	0.5%	100%	$1,955,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$1,215,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.3%	50%	$1,195,000	View
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	1	0.3%	100%	$2,455,000
American Airlines Federal Cred	Conventional	1	0.3%	100%	$715,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo	1	0.3%	100%	$3,005,000	View
Freedom Mortgage Corporation	VA	1	0.3%	100%	$775,000
Newrez LLC	Conventional	1	0.3%	33.3%	$85,000
PHH Mortgage Corporation	Conventional	1	0.3%	100%	$1,205,000
Oaktree Funding Corp	Conventional, Jumbo	1	0.3%	100%	$1,465,000
Emporium Tpo LLC	Conventional, Jumbo	1	0.3%	100%	$1,285,000
East Coast Capital Corp.	Conventional, Jumbo	1	0.3%	100%	$1,635,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.3%	100%	$1,605,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.3%	100%	$805,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.3%	50%	$305,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.3%	100%	$525,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.3%	100%	$6,205,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.3%	100%	$985,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.3%	100%	$1,755,000
Plainscapital Bank A+5.0 ★Texas Ratio: 4.03%	Conventional, Jumbo	1	0.3%	100%	$15,005,000	View
Champions Funding, LLC	Conventional, Jumbo	1	0.3%	100%	$1,935,000
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +4 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	0%
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +2 HELOCs	0%	n/a		View
Spring Eq, LLC	HELOC	0 +2 HELOCs	0%	40%
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Everett Financial, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
Communityamerica Federal Credit Union	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.

Manhattan 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 Manhattan Beach, California

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

Types of Mortgage Lenders in Manhattan Beach, CA

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

Mortgage companies and brokers 53 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 4 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 50 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Manhattan Beach, CA

Independent mortgage companies closed 32.4 percent of home loans in Manhattan Beach, California in 2025, banks 65.3 percent and credit unions 2.3 percent. Change Lending was the largest mortgage company, Citibank, NA the largest bank and Kinecta Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 34 loans.

32.4%

Mortgage companies

65.3%

Banks

2.3%

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 Manhattan Beach, CA

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

By home loans closed in 2025, Citibank, NA was the largest mortgage lender in Manhattan Beach, California with 41 loans, about 10.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 34 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Yes. 37 banks and 24 credit unions closed home loans in Manhattan Beach, California in 2025, alongside 53 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 Manhattan Beach, CA ranked on this page?

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