☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Mission Viejo

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Mission Viejo, California

Content reviewed by

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

Mission Viejo, California mortgage lenders include US Bank, N.A.US Bank, N.A.25972 Muirlands Blvd, Mission Viejo, CA 92691A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA25112 Marguerite Pkwy, Mission Viejo, CA 92692A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA25330 Marguerite Pkwy, Mission Viejo, CA 92692A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA26151 La Paz Rd, Mission Viejo, CA 92691A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA26002 Marguerite Pkwy, Mission Viejo, CA 92692A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA26941 Crown Valley Pkwy, Mission Viejo, CA 92691A+5.0 ★Texas Ratio: 3.54%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust28641 Marguerite Pkwy, Mission Viejo, CA 92692A5.0 ★Texas Ratio: 7.72%, Schoolsfirst FCUSchoolsfirst FCU26440 La Alameda Ste 100, Mission Viejo, CA 92691A+5.0 ★Texas Ratio: 5.56%, Orange County'S FCUOrange County'S FCU28221 Marguerite Pkwy Ste 7, Mission Viejo, CA 92692 3722A+5.0 ★Texas Ratio: 4.43%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 Mission Viejo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mission Viejo 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 Mission Viejo, California

Market share is the lender's share of all home loans closed in Mission Viejo, 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 Mission Viejo 25972 Muirlands Blvd, Mission Viejo, CA 92691 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	67 +29 HELOCs	5%	81.2%	$884,104	View
JPMorgan Chase Bank, NA 4 offices in Mission Viejo 25112 Marguerite Pkwy, Mission Viejo, CA 92692 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	29 +2 HELOCs	2.2%	80.6%	$818,103	View
Citibank, NA 1 office in Mission Viejo 25330 Marguerite Pkwy, Mission Viejo, CA 92692 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	23 +1 HELOCs	1.7%	100%	$1,035,000	View
Wells Fargo Bank NA 3 offices in Mission Viejo 26151 La Paz Rd, Mission Viejo, CA 92691 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	13	1%	72.2%	$783,461	View
Bank of America NA 2 offices in Mission Viejo 26002 Marguerite Pkwy, Mission Viejo, CA 92692 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	12 +74 HELOCs	0.9%	80%	$704,166	View
BMO Harris Bank NA 1 office in Mission Viejo 26941 Crown Valley Pkwy, Mission Viejo, CA 92691 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	7 +9 HELOCs	0.5%	100%	$1,256,428	View
First Ciitizens Bank and Trust 1 office in Mission Viejo 28641 Marguerite Pkwy, Mission Viejo, CA 92692 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	20%	$125,000	View
Schoolsfirst FCU 26440 La Alameda Ste 100, Mission Viejo, CA 92691 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	71 +207 HELOCs	5.3%	92.2%	$434,718	View
Orange County'S FCU 28221 Marguerite Pkwy Ste 7, Mission Viejo, CA 92692 3722 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	22 +34 HELOCs	1.6%	88.5%	$176,363	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	9	0.7%	81.8%	$290,555	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	8	0.6%	80%	$786,250	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	5 +2 HELOCs	0.4%	100%	$537,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	5	0.4%	100%	$651,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	4 +3 HELOCs	0.3%	66.7%	$695,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	4	0.3%	100%	$1,100,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	4	0.3%	100%	$607,500	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	4	0.3%	66.7%	$1,162,500	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, HELOC	3 +31 HELOCs	0.2%	75%	$665,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.2%	100%	$1,255,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$928,333	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$510,000	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	2 +4 HELOCs	0.1%	66.7%	$1,140,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$1,020,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$405,000	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	0.1%	100%	$630,000	View
San Diego County Credit Union 23982 Alicia Pkwy, Mission Viejo, CA 92691 3942 A+5.0 ★Texas Ratio: 0.52%	Conventional	2	0.1%	100%	$560,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.1%	100%	$975,000	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$205,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$995,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,275,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$1,165,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.1%	100%	$35,000	View
First Commercial Bank (USA) 200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0.1%	100%	$685,000	View
Citizens Business Bank, NA 19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$765,000	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	1	0.1%	100%	$975,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$495,000
Bank Irvine 6201 Oak Canyon Suite 150, Irvine, CA 92618 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$825,000	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional	1	0.1%	50%	$365,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0.1%	100%	$545,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$35,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$205,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	1	0.1%	100%	$1,235,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional	1	0.1%	100%	$975,000	View
Pcb Bank 17709 Pioneer Blvd, Artesia, CA 90701 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0.1%	100%	$885,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	50%	$905,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0.1%	100%	$995,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0.1%	100%	$105,000	View
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%	$45,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +7 HELOCs	0%	0%		View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	HELOC	0 +6 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	0%		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
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	HELOC	0 +2 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +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
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
Gain Federal Credit Union 1800 W Magnolia Blvd, Burbank, CA 91506 1726 A+5.0 ★Texas Ratio: 2.77%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	40	3%	87.2%	$709,000
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	20 +4 HELOCs	1.5%	80%	$491,500
New American Funding, LLC.	Conventional, VA, Jumbo, HELOC	17 +3 HELOCs	1.3%	89.5%	$709,705
Kind Lending, LLC	Conventional, Jumbo	16	1.2%	80%	$520,000
AmWest Funding Corp	Conventional, HELOC	15 +1 HELOCs	1.1%	100%	$727,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA	12	0.9%	92.3%	$644,166
General Mortgage Capital Corporation	Conventional, Jumbo	10	0.7%	100%	$821,000
Guild Mortgage Company	Conventional, FHA	8	0.6%	100%	$615,000
Nmsi, Inc.	Conventional	8	0.6%	100%	$728,750
Paramount Residential Mortgage	Conventional, FHA	8	0.6%	88.9%	$791,250
Nexera Holding LLC	Conventional, Jumbo	8	0.6%	88.9%	$837,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	7	0.5%	87.5%	$357,857	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	7	0.5%	70%	$1,029,285
JMJ Financial Group Inc.	Conventional, Jumbo	7	0.5%	100%	$725,000
New Wave Lending Group Inc	Conventional	7	0.5%	100%	$737,857
AdvantageFirst Lending Inc	Conventional, FHA, VA	6	0.4%	75%	$420,000
American Pacific Mortgage Corporation	Conventional, FHA, Jumbo	6	0.4%	100%	$841,666
Ahl Funding	Conventional, FHA, VA, Jumbo	5	0.4%	100%	$1,103,000
Royal Pacific Funding	Conventional, FHA	5	0.4%	100%	$705,000
Ony Glo, Inc.	Conventional	5	0.4%	55.6%	$719,000
Franklin Loan Corporation	Conventional, VA, Jumbo	5	0.4%	100%	$1,217,000
Hometown Equity Mortgage, LLC	Conventional, Jumbo	5	0.4%	41.7%	$1,121,000
ClearEdge Lending LLC	Conventional, Jumbo	5	0.4%	83.3%	$617,000
Home Mortgage Alliance Corp (Hmac)	Conventional	4	0.3%	80%	$580,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	4	0.3%	100%	$390,000	View
Zillow Home Loans, LLC	Conventional, Jumbo	4	0.3%	80%	$847,500
Vista Point Mortgage, LLC	Conventional, Jumbo	4	0.3%	62.5%	$962,500
Cake Mortgage Corp.	Conventional, Jumbo	4	0.3%	80%	$875,000
JMAC Lending, Inc.	Conventional, Jumbo	4	0.3%	100%	$585,000
Watermark Capital, Inc.	Conventional	3	0.2%	100%	$691,666
AAA Capital Investment, Inc	Conventional	3	0.2%	100%	$875,000
Resicentral LLC	Conventional, FHA	3	0.2%	100%	$938,333
Redwood Residential Acquisition Corporation	Conventional	3	0.2%	100%	$638,333
Greenbox Loans	Conventional, Jumbo	3	0.2%	100%	$1,048,333
JSB Mortgage Corporation	Conventional, Jumbo	3	0.2%	100%	$938,333
Banc One Mortage Corporation	Conventional, Jumbo	3	0.2%	100%	$1,041,666
Financial Partners Credit Unio	Conventional, HELOC	2 +14 HELOCs	0.1%	100%	$1,060,000
MortgageOne, Inc	Conventional, VA	2	0.1%	100%	$615,000
Golden Empire Mortgage, Inc.	Conventional	2	0.1%	100%	$450,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.1%	100%	$260,000
American Financial Network, Inc.	Conventional	2	0.1%	100%	$540,000
Residential First Capital	Conventional	2	0.1%	100%	$250,000
Flexpoint, Inc.	Conventional	2	0.1%	100%	$320,000
Stg Mortgage Inc	Conventional	2	0.1%	100%	$960,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$630,000
Provident Funding Associates	Conventional	2	0.1%	100%	$555,000
Emet Lending Group, Inc.	Conventional	2	0.1%	100%	$490,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$450,000
Carrington Mortgage Services LLC	Conventional, VA	2	0.1%	75%	$1,005,000
ML Mortgage Corp.	Conventional	1	0.1%	100%	$785,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$1,205,000
Alameda Mortgage Corporation	Conventional	1	0.1%	100%	$405,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$925,000
Fundloans Capital	Conventional	1	0.1%	100%	$315,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$705,000
Habitfactory USA Inc dba Loaning AI	Conventional	1	0.1%	100%	$795,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$805,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$355,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$695,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	1	0.1%	100%	$1,405,000
Crestline Funding Corporation	Conventional	1	0.1%	100%	$355,000
Victoria Financial Corp	Conventional	1	0.1%	100%	$1,065,000
Dignified Home Loans LLC	Conventional	1	0.1%	100%	$955,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.1%	100%	$1,715,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$205,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$455,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$1,205,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$655,000
Popa FCU - Cerritos	Conventional	1	0.1%	100%	$65,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	50%	$105,000
Arcstone Financial Inc	Conventional	1	0.1%	100%	$595,000
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +2 HELOCs	0%	n/a
Southland Credit Uniom	HELOC	0 +1 HELOCs	0%	0%
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	187 +2 HELOCs	13.9%	84.8%	$646,497
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	181 +13 HELOCs	13.5%	91.1%	$747,044
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	25 +4 HELOCs	1.9%	96.2%	$841,800
Spring Eq, LLC	Conventional, HELOC	21 +18 HELOCs	1.6%	48.9%	$135,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	21 +3 HELOCs	1.6%	91.3%	$753,571
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	18 +11 HELOCs	1.3%	75%	$362,777
The Loan Store, Inc	Conventional, Jumbo, HELOC	16 +4 HELOCs	1.2%	94.7%	$800,000
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	14 +1 HELOCs	1%	93.3%	$711,428
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	12 +2 HELOCs	0.9%	93.3%	$834,166	View
Primelending	Conventional, VA, Jumbo	9	0.7%	81.8%	$820,555
Sage Home Loans Corporation	Conventional, Jumbo	9	0.7%	100%	$683,888
Guaranteed Rate Affinity, LLC	Conventional	8	0.6%	100%	$773,750
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	7	0.5%	88.9%	$870,714
Nationstar Mortgage	Conventional	7	0.5%	53.8%	$660,714
Everett Financial, Inc.	Conventional, HELOC	6 +1 HELOCs	0.4%	100%	$691,666
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	6	0.4%	85.7%	$1,008,333	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.4%	85.7%	$785,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +15 HELOCs	0.4%	66.7%	$119,000	View
Better Mortgage Corporation	Conventional, FHA, Jumbo, HELOC	5 +2 HELOCs	0.4%	66.7%	$745,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.4%	100%	$1,437,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.4%	100%	$425,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	5	0.4%	100%	$1,121,000	View
Newrez LLC	Conventional, VA	5	0.4%	50%	$583,000
Dart Bank	Conventional	4	0.3%	100%	$670,000
Union Home Mortgage Corp.	Conventional	4	0.3%	100%	$502,500
First Colony Mortgage Corporat	Conventional	4	0.3%	100%	$392,500
RoundPoint Mortgage Servicing LLC	Conventional	4	0.3%	100%	$490,000
Nations Direct Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$580,000
Champions Funding, LLC	Conventional	4	0.3%	57.1%	$735,000
Quorum Federal Credit Union	Conventional, HELOC	3 +6 HELOCs	0.2%	100%	$188,333
Arc Home LLC	Conventional, Jumbo	3	0.2%	100%	$1,285,000
Originpoint, LLC	Conventional, Jumbo	3	0.2%	75%	$755,000
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.2%	35.3%	$481,666
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	100%	$1,058,333
Deephaven Mortgage LLC	Conventional, Jumbo	3	0.2%	75%	$581,666
Bay Equity LLC	Conventional	3	0.2%	100%	$708,333
Ameritrust Mortgage Corporation	Conventional	3	0.2%	100%	$665,000
Mortgage Research Center	VA	3	0.2%	60%	$821,666
Logan Finance Corporation	Conventional	3	0.2%	100%	$715,000
Fairway Independent Mort Corp	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	66.7%	$1,180,000
Primary Residential Mortgage, INC.	Conventional	2	0.1%	100%	$875,000
Amerisave Mortgage Company	Conventional	2	0.1%	25%	$200,000
Nqm Funding, LLC	Conventional	2	0.1%	100%	$795,000
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.1%	100%	$1,070,000	View
Genway Home Mortgage, Inc.	Conventional, FHA, Jumbo	2	0.1%	100%	$1,365,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	100%	$640,000
Summit Mortgage Corporation A5.0 ★Texas Ratio: 6.67%	Conventional	2	0.1%	100%	$645,000	View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$605,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$775,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$965,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$1,135,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$235,000	View
Genisys Credit Union	Conventional	1	0.1%	100%	$825,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$455,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$635,000	View
Envoy Mortgage, Ltd	FHA, Jumbo	1	0.1%	100%	$1,235,000
Nbkc Bank	Conventional	1	0.1%	50%	$895,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$745,000
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$495,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$445,000	View
Emporium Tpo LLC	Conventional	1	0.1%	100%	$505,000
Data Mortgage, Inc	Conventional	1	0.1%	100%	$425,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$585,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$745,000
Discover Bank	Conventional	1	0.1%	9.1%	$65,000
Intercap Lending Inc	Conventional	1	0.1%	100%	$735,000
Citizens Equity First Credit U	Conventional, Jumbo	1	0.1%	100%	$1,995,000
Planet Home Lending, LLC	Conventional	1	0.1%	25%	$745,000
Teachers Federal Credit Union	Conventional	1	0.1%	100%	$1,195,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Gardner Financial Services	Conventional	1	0.1%	100%	$525,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	50%	$925,000	View
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	VA	1	0.1%	100%	$775,000	View
Uif Corporation	Conventional	1	0.1%	100%	$445,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$345,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$735,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$505,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$505,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +13 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +10 HELOCs	0%	0%
HomeBridge Financial Services, Inc	HELOC	0 +7 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +4 HELOCs	0%	50%		View
Connexus Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
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.

Mission Viejo 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 Mission Viejo, California

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

Types of Mortgage Lenders in Mission Viejo, CA

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

Mortgage companies and brokers 125 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 26 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 22 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 60 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 120 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Mission Viejo, CA

Independent mortgage companies closed 70.1 percent of home loans in Mission Viejo, California in 2025, banks 18 percent and credit unions 11.8 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 12 loans.

70.1%

Mortgage companies

18%

Banks

11.8%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Mission Viejo, CA

Who is the largest mortgage lender in Mission Viejo, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Mission Viejo, California with 67 loans, about 5 percent of the market. The largest lender headquartered in California was Bank of America NA with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Mission Viejo, California, Schoolsfirst FCU approved the highest share of completed applications in 2025 at 92.2 percent, against a 84.4 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 Mission Viejo, CA mortgage lenders offer FHA, VA and USDA loans?

26 lenders closed FHA loans in Mission Viejo, California in 2025, led by United Wholesale Mortgage with 9. 22 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 Mission Viejo, CA lender list?

Yes. 47 banks and 50 credit unions closed home loans in Mission Viejo, California in 2025, alongside 125 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 Mission Viejo, CA ranked on this page?

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