☰

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 / Oceanside

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Oceanside, California

Content reviewed by

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

Oceanside, California mortgage lenders include US Bank, N.A.US Bank, N.A.4136 Oceanside Blvd, Oceanside, CA 92056A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4147 Oceanside Blvd, Oceanside, CA 92056A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA845 College Blvd, Oceanside, CA 92057A+5.0 ★Texas Ratio: 5.36%, Frontwave Credit UnionFrontwave Credit Union2454 Vista Way, Oceanside, CA 92054A+5.0 ★Texas Ratio: 5.74%, Bank of America NABank of America NA702 Mission Ave, Oceanside, CA 92054A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.815 Mission Ave, Oceanside, CA 92054A+5.0 ★Texas Ratio: 4.24%, Schoolsfirst FCUSchoolsfirst FCU3430 Marron Rd Ste 200, Oceanside, CA 92056A+5.0 ★Texas Ratio: 5.56%, Mission Federal Credit UnionMission Federal Credit Union47 Douglas Dr Ste 100, Oceanside, CA 92058 7867A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union3485 Marron Rd, Oceanside, CA 92056A+5.0 ★Texas Ratio: 1.25%, and San Diego County Credit UnionSan Diego County Credit Union625 College Blvd, Oceanside, CA 92057A+5.0 ★Texas Ratio: 0.52%. 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 Oceanside, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oceanside 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 Oceanside, California

Market share is the lender's share of all home loans closed in Oceanside, 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 Oceanside 4136 Oceanside Blvd, Oceanside, CA 92056 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	69 +44 HELOCs	2.7%	71%	$578,913	View
JPMorgan Chase Bank, NA 4 offices in Oceanside 4147 Oceanside Blvd, Oceanside, CA 92056 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	40 +5 HELOCs	1.6%	91.1%	$628,500	View
Wells Fargo Bank NA 3 offices in Oceanside 845 College Blvd, Oceanside, CA 92057 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	38	1.5%	84.4%	$517,105	View
Frontwave Credit Union 2454 Vista Way, Oceanside, CA 92054 A+5.0 ★Texas Ratio: 5.74%	Conventional, HELOC	30 +33 HELOCs	1.2%	79.1%	$159,333	View
Bank of America NA 1 office in Oceanside 702 Mission Ave, Oceanside, CA 92054 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	23 +35 HELOCs	0.9%	85.7%	$820,652	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Oceanside 815 Mission Ave, Oceanside, CA 92054 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +16 HELOCs	0.1%	100%	$170,000	View
Schoolsfirst FCU 3430 Marron Rd Ste 200, Oceanside, CA 92056 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	29 +38 HELOCs	1.1%	87.9%	$489,482	View
Mission Federal Credit Union 47 Douglas Dr Ste 100, Oceanside, CA 92058 7867 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	23 +81 HELOCs	0.9%	85.7%	$484,130	View
California Coast Credit Union 3485 Marron Rd, Oceanside, CA 92056 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	15 +27 HELOCs	0.6%	84.2%	$140,333	View
San Diego County Credit Union 625 College Blvd, Oceanside, CA 92057 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	13 +8 HELOCs	0.5%	68.4%	$174,230	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	13	0.5%	100%	$866,538	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, VA	12	0.5%	90%	$665,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, VA	9	0.4%	100%	$583,888	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	8 +3 HELOCs	0.3%	100%	$487,500	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	7 +6 HELOCs	0.3%	100%	$625,000	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	7 +2 HELOCs	0.3%	87.5%	$617,857	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	6	0.2%	75%	$780,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.2%	35.7%	$269,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	4	0.2%	100%	$785,000
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	3 +3 HELOCs	0.1%	100%	$628,333	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.1%	50%	$978,333	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	3	0.1%	100%	$141,666	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	3	0.1%	100%	$501,666	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	2 +4 HELOCs	0.1%	66.7%	$255,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	2 +1 HELOCs	0.1%	33.3%	$720,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	2	0.1%	66.7%	$500,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	2	0.1%	100%	$1,705,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.1%	66.7%	$930,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo	2	0.1%	100%	$995,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional	2	0.1%	100%	$835,000	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	1 +12 HELOCs	0%	50%	$645,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$395,000	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$125,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$375,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0%	100%	$965,000	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0%	100%	$255,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional	1	0%	100%	$875,000	View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	Conventional	1	0%	100%	$105,000
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0%	100%	$995,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0%	66.7%	$135,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional	1	0%	100%	$225,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0%	100%	$325,000	View
Alta Vista Credit Union 1425 W LUGONIA AVE, REDLANDS, CA 92374 A+5.0 ★Texas Ratio: 3.38%	Conventional	1	0%	100%	$645,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0%	100%	$465,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional	1	0%	50%	$515,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0%	100%	$165,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0%	100%	$745,000	View
Umb Bank NA 255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78%	Conventional	1	0%	100%	$405,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	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
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	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%	n/a		View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	0%		View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	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
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	93	3.6%	83.3%	$652,849
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	35 +7 HELOCs	1.4%	83.3%	$542,142
Kind Lending, LLC	Conventional, VA, HELOC	23 +1 HELOCs	0.9%	79.3%	$547,608
Guild Mortgage Company	Conventional, FHA, VA	20	0.8%	95.8%	$500,500
Franklin Loan Corporation	Conventional, Jumbo	19	0.7%	100%	$558,684
New American Funding, LLC.	Conventional, FHA	19	0.7%	86.4%	$500,789
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, Jumbo, HELOC	18 +1 HELOCs	0.7%	95.2%	$597,777	View
AmWest Funding Corp	Conventional, VA, Jumbo, HELOC	17 +2 HELOCs	0.7%	94.4%	$684,411
Zillow Home Loans, LLC	Conventional, VA	17	0.7%	100%	$526,176
Residential Wholesale Mortgage	Conventional, FHA, VA	15	0.6%	100%	$589,666
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, Jumbo	13	0.5%	100%	$628,076
Provident Funding Associates	Conventional	12	0.5%	100%	$616,666
Resicentral LLC	Conventional, VA	11	0.4%	100%	$642,272
Nexera Holding LLC	Conventional, Jumbo	11	0.4%	91.7%	$576,818
Golden Empire Mortgage, Inc.	Conventional, VA, Jumbo	10	0.4%	90.9%	$743,000
American Pacific Mortgage Corporation	Conventional, VA	10	0.4%	76.9%	$646,000
MortgageOne, Inc	Conventional, VA, Jumbo	9	0.4%	100%	$683,888
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.4%	54.2%	$433,888
JMAC Lending, Inc.	Conventional, VA, Jumbo	8	0.3%	100%	$700,000
Cornerstone First Mortgage, LLC	Conventional, FHA	7	0.3%	100%	$687,857
Paramount Residential Mortgage	Conventional, VA, Jumbo	7	0.3%	100%	$583,571
New Wave Lending Group Inc	Conventional, Jumbo	6	0.2%	100%	$786,666
ClearEdge Lending LLC	Conventional	6	0.2%	66.7%	$726,666
Fundloans Capital	Conventional, Jumbo	5	0.2%	100%	$1,073,000
American Financial Network, Inc.	Conventional, VA	5	0.2%	100%	$765,000
Stg Mortgage Inc	Conventional, Jumbo	5	0.2%	87.5%	$677,000
Hometown Equity Mortgage, LLC	Conventional, FHA	5	0.2%	41.7%	$307,000
Nmsi, Inc.	Conventional	5	0.2%	100%	$505,000
Plaza Home Mortgage, Inc	Conventional, Jumbo	5	0.2%	71.4%	$579,000
JMJ Financial Group Inc.	Conventional, VA	4	0.2%	100%	$690,000
Flexpoint, Inc.	Conventional	4	0.2%	100%	$657,500
ML Mortgage Corp.	Conventional, FHA	3	0.1%	100%	$915,000
Watermark Capital, Inc.	Conventional	3	0.1%	100%	$598,333
AdvantageFirst Lending Inc	Conventional, FHA, VA	3	0.1%	75%	$415,000
Calcon Mutual Mortgage LLC	Conventional, VA	3	0.1%	100%	$621,666
American Internet Mortgage, Inc.	Conventional	3	0.1%	60%	$348,333
Summit Funding.Inc	Conventional	3	0.1%	100%	$481,666
Arcstone Financial Inc	Conventional, FHA, Jumbo	3	0.1%	100%	$1,455,000
Mission Loans, LLC	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$230,000
Alameda Mortgage Corporation	Conventional, VA	2	0.1%	100%	$515,000
AAA Capital Investment, Inc	Conventional	2	0.1%	100%	$225,000
Pacific Lending LLC	Conventional	2	0.1%	100%	$590,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	75%	$555,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.1%	100%	$215,000
Googain, Inc.	Conventional	2	0.1%	100%	$415,000
First Stardand Financial dba Nexcap Home Loans	Conventional	2	0.1%	100%	$340,000
First Nations Home Finance Corporation	Conventional, VA	2	0.1%	66.7%	$795,000
Ony Glo, Inc.	Conventional, VA	2	0.1%	66.7%	$475,000
Intelliloan, Inc.	FHA	2	0.1%	100%	$555,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.1%	66.7%	$525,000
Goodleap, LLC	Conventional, HELOC	1 +7 HELOCs	0%	100%	$435,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	100%	$905,000
Constant Investments, Inc	Conventional	1	0%	100%	$355,000
Bay-Valley Mortgage Group	Conventional	1	0%	100%	$135,000
HomeXpress Mortgage Corp.	Conventional	1	0%	33.3%	$195,000
Ahl Funding	VA	1	0%	100%	$435,000
Royal Pacific Funding	Conventional	1	0%	100%	$825,000
Ez Fundings Inc	FHA	1	0%	100%	$505,000
Victoria Financial Corp	Conventional	1	0%	100%	$565,000
San Diego Funding	FHA	1	0%	100%	$575,000
American Finance House Lariba	Conventional	1	0%	100%	$605,000
Land Home Financial Services,	Conventional	1	0%	100%	$425,000
JSB Mortgage Corporation	Conventional	1	0%	100%	$585,000
Loanleaders of America, Inc	Conventional	1	0%	100%	$305,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	VA, Jumbo	1	0%	100%	$2,205,000	View
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$1,045,000
Southland Credit Uniom	Conventional	1	0%	100%	$785,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$1,645,000
Figure Lending LLC	HELOC	0 +31 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +3 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	449 +43 HELOCs	17.5%	90.2%	$654,665
Rocket Mortgage	Conventional, FHA, VA, Jumbo	297	11.6%	86.1%	$488,501
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	90 +8 HELOCs	3.5%	100%	$649,444
Lennar Mortgage, LLC	Conventional, VA, Jumbo	83	3.2%	91.2%	$803,795
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	69 +79 HELOCs	2.7%	74%	$253,985
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	52 +9 HELOCs	2%	91.9%	$626,538
Newrez LLC	Conventional, FHA, VA, Jumbo	51	2%	73.6%	$677,352
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	36 +2 HELOCs	1.4%	95.5%	$736,944	View
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	35	1.4%	97.2%	$654,714
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	32 +4 HELOCs	1.2%	100%	$728,125
Mortgage Research Center	VA, Jumbo	29	1.1%	69%	$698,103
Freedom Mortgage Corporation	Conventional, FHA, VA	27	1.1%	86.5%	$592,037
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	26	1%	100%	$637,692
Spring Eq, LLC	Conventional, HELOC	21 +16 HELOCs	0.8%	41.2%	$163,095
Triad Financial Services, Inc.	Conventional	18	0.7%	65.7%	$285,000
Nationstar Mortgage	Conventional, FHA, VA	18	0.7%	79.2%	$284,444
Amerisave Mortgage Company	Conventional	15	0.6%	44.1%	$189,666
Kbhs Home Loans, LLC	Conventional, FHA, VA	13	0.5%	81.2%	$820,384
Better Mortgage Corporation	Conventional, VA, Jumbo, HELOC	12 +4 HELOCs	0.5%	75%	$632,500
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	11	0.4%	100%	$745,909	View
Intercap Lending Inc	Conventional, VA	10	0.4%	100%	$468,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	9	0.4%	100%	$697,222	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	8	0.3%	88.9%	$548,750	View
NOVA Financial & Investment Corporation	Conventional, VA	8	0.3%	100%	$467,500
Credit Human Federal Credit Un	Conventional	8	0.3%	66.7%	$150,000
New Day Financial, LLC.	VA	8	0.3%	57.1%	$558,750
Prosperity Home Mortgage, LLC	Conventional	8	0.3%	100%	$623,750
21St Mortgage	Conventional	8	0.3%	29%	$246,250
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	8	0.3%	100%	$617,500	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.3%	31.8%	$407,857
Discover Bank	Conventional	7	0.3%	33.3%	$125,000
First Colony Mortgage Corporat	Conventional, FHA, Jumbo	7	0.3%	90.9%	$619,285
Planet Home Lending, LLC	Conventional, FHA, VA	7	0.3%	100%	$626,428
Ark-La-Tex Financial Services LLC	Conventional, VA	7	0.3%	100%	$736,428
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	6 +13 HELOCs	0.2%	75%	$696,666
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	6 +1 HELOCs	0.2%	100%	$635,000
Primelending	Conventional, VA	6	0.2%	66.7%	$565,000
Equity Prime Mortgage LLC	FHA, VA	6	0.2%	85.7%	$545,000
Movement Mortgage, LLC	Conventional, VA	6	0.2%	100%	$710,000
Union Home Mortgage Corp.	Conventional	6	0.2%	100%	$631,666
Cardinal Financial Company, Li	Conventional, FHA	6	0.2%	100%	$466,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +13 HELOCs	0.2%	71.4%	$93,000	View
Originpoint, LLC	Conventional	5	0.2%	100%	$507,000
Bay Equity LLC	Conventional, VA	5	0.2%	100%	$571,000
Nations Direct Mortgage, LLC	Conventional	5	0.2%	83.3%	$543,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.2%	100%	$715,000	View
T2 Financial LLC	Conventional, FHA	4	0.2%	100%	$477,500
Pike Creek Mortgage Services, Inc.	Conventional	4	0.2%	100%	$657,500
RoundPoint Mortgage Servicing LLC	Conventional	4	0.2%	100%	$490,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	4	0.2%	100%	$500,000	View
Tomo Mortgage LLC	Conventional	4	0.2%	100%	$695,000
Champions Funding, LLC	Conventional	4	0.2%	100%	$595,000
Success Lending, LLC	Conventional, VA, Jumbo	3	0.1%	75%	$798,333
Deephaven Mortgage LLC	Conventional	3	0.1%	75%	$558,333
American Financing Corporation	Conventional, VA	3	0.1%	50%	$331,666
Peoples Mortgage Company	Conventional, Jumbo	3	0.1%	100%	$1,021,666
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.1%	100%	$1,280,000
Arc Home LLC	Conventional	2	0.1%	100%	$755,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$470,000
Sage Home Loans Corporation	Conventional	2	0.1%	50%	$745,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	2	0.1%	66.7%	$455,000	View
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$720,000
Oaktree Funding Corp	Conventional, Jumbo	2	0.1%	100%	$800,000
Emporium Tpo LLC	Conventional, Jumbo	2	0.1%	100%	$1,195,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	2	0.1%	100%	$770,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	2	0.1%	100%	$1,375,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.1%	100%	$785,000	View
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	2	0.1%	100%	$350,000	View
Teachers Federal Credit Union	Conventional	2	0.1%	66.7%	$815,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	2	0.1%	100%	$625,000	View
V.I.P. Mortgage, Inc.	Conventional, VA	2	0.1%	100%	$895,000
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$1,040,000
Village Capital & Investment	VA	2	0.1%	50%	$700,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +11 HELOCs	0%	100%	$505,000	View
Pentagon Federal Credit Union	VA, HELOC	1 +10 HELOCs	0%	50%	$715,000
Alliant Credit Union	Conventional, HELOC	1 +9 HELOCs	0%	100%	$1,015,000
Valon Mortgage	Conventional, HELOC	1 +5 HELOCs	0%	100%	$225,000
Usalliance Federal Credit Union	Conventional, Jumbo, HELOC	1 +4 HELOCs	0%	100%	$705,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$705,000	View
Shinhan Bank America	Conventional	1	0%	100%	$815,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional, Jumbo	1	0%	100%	$1,375,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$805,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	VA	1	0%	100%	$815,000	View
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$825,000
Nbkc Bank	Conventional	1	0%	50%	$785,000
Directors Mortgage, Inc	Conventional, Jumbo	1	0%	100%	$1,265,000
Dart Bank	Conventional	1	0%	100%	$515,000
Security Home Mortgage	Conventional	1	0%	100%	$735,000
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0%	100%	$755,000	View
HomeStreet Bank	Conventional	1	0%	100%	$635,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$665,000	View
Altitude Financial Corporation	Conventional	1	0%	100%	$675,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$685,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0%	100%	$785,000
Service Federal Credit Union	Conventional, Jumbo	1	0%	100%	$1,185,000
Ameritrust Mortgage Corporation	Conventional	1	0%	100%	$715,000
Nfm, Inc	Conventional	1	0%	100%	$295,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0%	25%	$655,000	View
Churchill Mortgage Corporation	Conventional	1	0%	100%	$285,000
Starboard Financial Management, LLC	Conventional	1	0%	100%	$345,000
Belem Servicing, LLC dba Patriot Home Mortgage	VA	1	0%	100%	$495,000
Boeing Employees' Credit Union	Conventional	1	0%	100%	$385,000
Embrace Home Loans, Inc.	Conventional	1	0%	100%	$305,000
Nations Lending Corporation	Conventional	1	0%	100%	$375,000
Waterstone Mortgage Corporation	Conventional	1	0%	100%	$705,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	VA	1	0%	100%	$725,000	View
GuardHill Financial LLC	Conventional	1	0%	100%	$1,035,000
Genway Home Mortgage, Inc.	Conventional	1	0%	50%	$775,000
Logan Finance Corporation	Conventional	1	0%	100%	$715,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	50%	$875,000	View
Mutual of Omaha Mortgage	FHA	1	0%	33.3%	$675,000
Veritas Funding, LLC	FHA	1	0%	100%	$405,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$495,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0%	100%	$455,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0%	100%	$55,000	View
Lower, LLC	Conventional	1	0%	100%	$945,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$865,000
Top Flite Financial, Inc.	VA	1	0%	50%	$435,000
Luxury Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$1,835,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +21 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +5 HELOCs	0%	0%
Gte Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Angel Oak Mortgage Solutions LLC	HELOC	0 +2 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
All In Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a		View
State Departmenet Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Oceanside 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 Oceanside, California

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

Types of Mortgage Lenders in Oceanside, CA

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

Mortgage companies and brokers 151 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 60 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 48 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 73 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 55 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 111 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Oceanside, CA

Independent mortgage companies closed 79.4 percent of home loans in Oceanside, California in 2025, banks 11.7 percent and credit unions 8.9 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Frontwave Credit Union the largest credit union. Among lenders headquartered in California, Frontwave Credit Union led with 30 loans.

79.4%

Mortgage companies

11.7%

Banks

8.9%

Credit unions

FHA loans

17%

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 Oceanside, CA

Who is the largest mortgage lender in Oceanside, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Oceanside, California with 69 loans, about 2.7 percent of the market. The largest lender headquartered in California was Frontwave Credit Union with 30 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Oceanside, California, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 83 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 Oceanside, CA mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in Oceanside, California in 2025, led by United Wholesale Mortgage with 44. 73 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 Oceanside, CA lender list?

Yes. 60 banks and 48 credit unions closed home loans in Oceanside, California in 2025, alongside 151 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 Oceanside, CA ranked on this page?

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