Mortgage Lenders and Brokers in National City, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
National City, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1130 E Plaza Blvd, National City, CA 91950A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.22 E 8th St, National City, CA 91950A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA235 E 8th St, National City, CA 91950A+5.0 ★Texas Ratio: 4.14%, Point Mortgage CorpPoint Mortgage Corp3003 Highland Ave Ste 102, National City, CA 91950A+5.0 ★Texas Ratio: 2.57%, California Coast Credit UnionCalifornia Coast Credit Union1704 Sweetwater Rd, National City, CA 91950A+5.0 ★Texas Ratio: 1.25%, California Credit UnionCalifornia Credit Union633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973A+5.0 ★Texas Ratio: 2.90%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%. 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 National City, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in National City 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 National City, California
Market share is the lender's share of all home loans closed in National City, 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 |
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1 office in National City 1130 E Plaza Blvd, National City, CA 91950 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 8 | 2.6% | 88.9% | $435,000 | View |
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1 office in National City 22 E 8th St, National City, CA 91950 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +4 HELOCs |
1% | 42.9% | $88,333 | View |
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1 office in National City 235 E 8th St, National City, CA 91950 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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3003 Highland Ave Ste 102, National City, CA 91950 A+5.0 ★Texas Ratio: 2.57% |
Conventional, FHA | 5 | 1.6% | 100% | $569,000 | View |
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1704 Sweetwater Rd, National City, CA 91950 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 3 +10 HELOCs |
1% | 100% | $151,666 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
Conventional, HELOC | 3 +4 HELOCs |
1% | 75% | $248,333 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 3 +1 HELOCs |
1% | 100% | $145,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 3 | 1% | 100% | $771,666 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 3 | 1% | 100% | $455,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 3 | 1% | 100% | $491,666 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 100% | $130,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $675,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $320,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 2 | 0.6% | 100% | $305,000 | View |
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1302 E Plaza Blvd, National City, CA 91950 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 1 +9 HELOCs |
0.3% | 50% | $605,000 | View |
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1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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11306 South St, Cerritos, CA 90703 A+5.0 ★Texas Ratio: 3.95% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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3003 Highland Ave Ste 102, National City, CA 91950 A+5.0 ★Texas Ratio: 2.57% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.3% | 72.7% | $525,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, VA | 6 | 1.9% | 88.9% | $593,333 | View |
Resicentral LLC
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Conventional, FHA | 5 | 1.6% | 100% | $509,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.3% | 44.4% | $155,000 | |
Paramount Residential Mortgage
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Conventional, VA | 4 | 1.3% | 100% | $617,500 | |
Nexera Holding LLC
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Conventional | 4 | 1.3% | 80% | $522,500 | |
MortgageOne, Inc
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Conventional, FHA | 3 | 1% | 100% | $721,666 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 1% | 100% | $338,333 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 3 | 1% | 60% | $385,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1% | 75% | $651,666 | |
Stg Mortgage Inc
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Conventional, FHA | 3 | 1% | 100% | $675,000 | |
AmWest Funding Corp
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Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $195,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.6% | 100% | $590,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $900,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $295,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.6% | 100% | $575,000 | |
Cake Mortgage Corp.
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Conventional | 2 | 0.6% | 66.7% | $430,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $830,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.3% | 100% | $695,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $585,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Royal Pacific Funding
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FHA | 1 | 0.3% | 100% | $705,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.3% | 100% | $825,000 | |
West Coast Mortgage Group & Realty Co
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Conventional | 1 | 0.3% | 100% | $675,000 | |
Franklin Loan Corporation
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FHA | 1 | 0.3% | 100% | $575,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Ardri LLC
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Conventional | 1 | 0.3% | 100% | $795,000 | |
Iserve Residential Lending
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $715,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 20% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +12 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 64 +5 HELOCs |
20.6% | 87.8% | $654,531 | |
Rocket Mortgage
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Conventional, FHA, VA | 26 | 8.4% | 68.3% | $341,923 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 15 +5 HELOCs |
4.8% | 51.7% | $187,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 10 +2 HELOCs |
3.2% | 100% | $596,000 | |
Newrez LLC
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Conventional, FHA, VA | 10 | 3.2% | 47.6% | $611,000 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 2.3% | 100% | $213,571 | |
Mortgage Research Center
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VA, Jumbo | 7 | 2.3% | 70% | $810,714 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +2 HELOCs |
1.3% | 30.8% | $130,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.3% | 80% | $615,000 | |
Intercap Lending Inc
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Conventional | 4 | 1.3% | 100% | $330,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 1% | 54.5% | $325,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 3 | 1% | 100% | $625,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 2 +6 HELOCs |
0.6% | 100% | $440,000 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +5 HELOCs |
0.6% | 66.7% | $605,000 | |
Arc Home LLC
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Conventional | 2 | 0.6% | 100% | $470,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.6% | 100% | $640,000 | |
Nations Direct Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $775,000 | |
Lower, LLC
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Conventional, VA | 2 | 0.6% | 100% | $430,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $635,000 | View |
Originpoint, LLC
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VA | 1 | 0.3% | 100% | $485,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $705,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.3% | 100% | $735,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $595,000 | View |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 100% | $235,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.3% | 100% | $205,000 | View |
Obsidian Financial Services
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FHA | 1 | 0.3% | 100% | $755,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.3% | 100% | $655,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.3% | 100% | $545,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Saygo Home Loans, LLC
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VA | 1 | 0.3% | 100% | $745,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $745,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 50% | $955,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $555,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 33.3% | $95,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
National City Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in National City, California
Looking for mortgage lenders near me or mortgage brokers near me in National City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in National City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in National City, CA
Use these to narrow the list above. Each category shows how many National City, CA lenders fit and what that kind of lender is usually best for.
Who Lends in National City, CA
Independent mortgage companies closed 82.3 percent of home loans in National City, California in 2025, banks 8.7 percent and credit unions 9 percent. Point Mortgage Corp was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and California Coast Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 0 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
Frequently Asked Questions About Mortgage Lenders in National City, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in National City, California with 8 loans, about 2.6 percent of the market. The largest lender headquartered in California was Bank of America NA with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in National City, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 87.8 percent, against a 77.1 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.
30 lenders closed FHA loans in National City, California in 2025, led by United Wholesale Mortgage with 14. 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.
Yes. 18 banks and 15 credit unions closed home loans in National City, California in 2025, alongside 70 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.
Lenders are ranked only by the number of home loans they closed in National City, 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 National City, 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 National City. 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.
