Mortgage Lenders and Brokers in Ramona, 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
Ramona, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1467 Main St, Ramona, CA 92065A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1674 Main St, Ramona, CA 92065A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Mission Federal Credit UnionMission Federal Credit Union1301 17th St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 0.79%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, and California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%. 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 Ramona, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ramona 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 Ramona, California
Market share is the lender's share of all home loans closed in Ramona, 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 Ramona 1467 Main St, Ramona, CA 92065 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $805,000 | View |
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1 office in Ramona 1674 Main St, Ramona, CA 92065 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 1 | 0.3% | 50% | $1,255,000 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.4% | 50% | $547,000 | View |
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1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
Conventional, Jumbo, HELOC | 3 +9 HELOCs |
0.8% | 100% | $921,666 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 3 | 0.8% | 100% | $1,285,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA | 3 | 0.8% | 75% | $585,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 2 +4 HELOCs |
0.6% | 100% | $60,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.6% | 100% | $740,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 66.7% | $185,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
Conventional, HELOC | 1 +10 HELOCs |
0.3% | 100% | $45,000 | View |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $35,000 | View |
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2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $45,000 | View |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
VA | 1 | 0.3% | 100% | $615,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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1357 Healdsburg Ave, Healdsburg, CA 95448 3246 |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $695,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23% |
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 | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 19 | 5.3% | 100% | $496,052 | |
Residential Wholesale Mortgage
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Conventional, FHA, VA | 6 | 1.7% | 100% | $670,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 1.7% | 85.7% | $656,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 5 | 1.4% | 100% | $611,000 | |
Nexera Holding LLC
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Conventional | 5 | 1.4% | 100% | $441,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 4 | 1.1% | 80% | $420,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, Jumbo | 4 | 1.1% | 57.1% | $1,007,500 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 4 | 1.1% | 100% | $422,500 | |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.8% | 57.1% | $371,666 | |
Resicentral LLC
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Conventional, FHA | 3 | 0.8% | 100% | $665,000 | |
Guild Mortgage Company
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Conventional | 3 | 0.8% | 100% | $528,333 | |
Stg Mortgage Inc
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FHA | 3 | 0.8% | 100% | $708,333 | |
Provident Funding Associates
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Conventional | 3 | 0.8% | 100% | $611,666 | |
Hometown Equity Mortgage, LLC
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Conventional, VA | 3 | 0.8% | 60% | $481,666 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 3 | 0.8% | 100% | $758,333 | |
Pacific Lending LLC
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VA | 2 | 0.6% | 100% | $715,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, USDA | 2 | 0.6% | 66.7% | $495,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $715,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 0.6% | 100% | $800,000 | |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 0.6% | 20% | $360,000 | |
Fundloans Capital
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Conventional | 1 | 0.3% | 100% | $805,000 | |
MortgageOne, Inc
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,205,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $815,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.3% | 50% | $735,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.3% | 100% | $845,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $655,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $645,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $735,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.3% | 100% | $445,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $695,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.3% | 100% | $755,000 | |
Greenbox Loans
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Conventional | 1 | 0.3% | 100% | $555,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Generations Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $995,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Figure Lending LLC
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HELOC | 0 +11 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 58 +11 HELOCs |
16.2% | 88.1% | $626,379 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 34 | 9.5% | 83.3% | $464,117 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 13 +6 HELOCs |
3.6% | 76.5% | $558,846 | |
Fairway Independent Mort Corp
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Conventional, VA, HELOC | 10 +1 HELOCs |
2.8% | 100% | $516,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.5% | 90% | $660,555 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 8 +2 HELOCs |
2.2% | 100% | $615,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 2% | 80% | $690,714 | |
Newrez LLC
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Conventional, FHA, VA | 7 | 2% | 77.8% | $582,142 | |
Triad Financial Services, Inc.
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Conventional | 7 | 2% | 80% | $152,142 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 6 +3 HELOCs |
1.7% | 100% | $980,000 | |
The Loan Store, Inc
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Conventional, HELOC | 6 +1 HELOCs |
1.7% | 100% | $673,333 | |
Mortgage Research Center
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VA, Jumbo | 6 | 1.7% | 75% | $975,000 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +5 HELOCs |
1.4% | 25% | $137,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 4 | 1.1% | 71.4% | $575,000 | |
Discover Bank
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Conventional | 3 | 0.8% | 50% | $128,333 | |
HomeBridge Financial Services, Inc
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FHA, VA, Jumbo, HELOC | 2 +1 HELOCs |
0.6% | 100% | $875,000 | |
Primelending
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FHA | 2 | 0.6% | 75% | $675,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $855,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.6% | 66.7% | $640,000 | View |
Champions Funding, LLC
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Conventional, Jumbo | 2 | 0.6% | 40% | $880,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.6% | 66.7% | $680,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $135,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $465,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $325,000 | |
Union Home Mortgage Corp.
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FHA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $685,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $545,000 | |
Arc Home LLC
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Conventional | 1 | 0.3% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $1,075,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $865,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $965,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.3% | 50% | $925,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $865,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 20% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
Obsidian Financial Services
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FHA | 1 | 0.3% | 100% | $905,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.3% | 40% | $195,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.3% | 100% | $955,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $1,035,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $845,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
VA | 1 | 0.3% | 100% | $755,000 | View |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $725,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $585,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.3% | 100% | $735,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,665,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.3% | 100% | $275,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.3% | 100% | $355,000 | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
First Technology Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ramona 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 Ramona, California
Looking for mortgage lenders near me or mortgage brokers near me in Ramona? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ramona in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ramona, CA
Use these to narrow the list above. Each category shows how many Ramona, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Ramona, CA
Independent mortgage companies closed 84.3 percent of home loans in Ramona, California in 2025, banks 9.2 percent and credit unions 6.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Mission Federal Credit Union led with 3 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 Ramona, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Ramona, California with 2 loans, about 0.6 percent of the market. The largest lender headquartered in California was Mission Federal Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ramona, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88.1 percent, against a 79.1 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 Ramona, California in 2025, led by United Wholesale Mortgage with 11. 28 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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. 23 banks and 19 credit unions closed home loans in Ramona, California in 2025, alongside 83 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 Ramona, 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 Ramona, 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 Ramona. 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.
