Mortgage Lenders and Brokers in Rancho Mission Viejo, 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
Rancho Mission Viejo, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA30773 Gateway Pl, Rancho Mission Viejo, CA 92694A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA30605 Gateway Pl, Rancho Mission Viejo, CA 92694A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Orange County'S FCUOrange County'S FCU2390 E Orangewood Ave Ste 106, Anaheim, CA 92806A+5.0 ★Texas Ratio: 4.43%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, and Royal Business BankRoyal Business Bank901 S Baldwin Ave, Arcadia, CA 91007A5.0 ★Texas Ratio: 7.57%. 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 Rancho Mission Viejo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho 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 Rancho Mission Viejo, California
Market share is the lender's share of all home loans closed in Rancho 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 |
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1 office in Rancho Mission Viejo 30773 Gateway Pl, Rancho Mission Viejo, CA 92694 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 19 | 4.1% | 86.4% | $999,210 | View |
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1 office in Rancho Mission Viejo 30605 Gateway Pl, Rancho Mission Viejo, CA 92694 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 8 | 1.7% | 88.9% | $761,250 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, Jumbo, HELOC | 40 +6 HELOCs |
8.6% | 95.2% | $921,750 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, Jumbo, HELOC | 16 +15 HELOCs |
3.4% | 100% | $691,250 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +10 HELOCs |
1.1% | 83.3% | $1,237,000 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $171,666 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $698,333 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 0.6% | 100% | $915,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $615,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 2 | 0.4% | 100% | $460,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 100% | $1,000,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $615,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,225,000 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.2% | 100% | $1,145,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,495,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.2% | 100% | $505,000 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.2% | 100% | $665,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,335,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.2% | 100% | $1,095,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,235,000 | View |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
Conventional | 1 | 0.2% | 100% | $1,185,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 25% | $85,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,695,000 | View |
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5300 Beach Blvd, Buena Park, CA 90621 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $885,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional | 1 | 0.2% | 100% | $1,185,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
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, Jumbo | 18 | 3.9% | 90% | $937,777 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 11 +2 HELOCs |
2.4% | 91.7% | $681,363 | |
Kind Lending, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 10 +1 HELOCs |
2.1% | 76.9% | $809,000 | |
New American Funding, LLC.
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Conventional, HELOC | 4 +1 HELOCs |
0.9% | 100% | $740,000 | |
MortgageOne, Inc
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Conventional | 3 | 0.6% | 100% | $728,333 | |
AmWest Funding Corp
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Conventional | 3 | 0.6% | 100% | $765,000 | |
Stg Mortgage Inc
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Conventional, Jumbo | 3 | 0.6% | 100% | $1,078,333 | |
Bridgeway Lending Partners, LLC
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Conventional | 2 | 0.4% | 100% | $790,000 | |
American Financial Network, Inc.
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Conventional | 2 | 0.4% | 100% | $660,000 | |
Provident Funding Associates
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Conventional | 2 | 0.4% | 100% | $555,000 | |
Franklin Loan Corporation
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Conventional, VA | 2 | 0.4% | 100% | $955,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 66.7% | $800,000 | |
ClearEdge Lending LLC
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Conventional | 2 | 0.4% | 100% | $675,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.4% | 66.7% | $1,075,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Mortgage Capital Partners, INC
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Conventional | 1 | 0.2% | 100% | $1,185,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.2% | 50% | $555,000 | |
Bnb Financial Inc
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Googain, Inc.
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Conventional | 1 | 0.2% | 100% | $585,000 | |
Royal Pacific Funding
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,745,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.2% | 100% | $805,000 | |
San Diego Funding
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FHA | 1 | 0.2% | 100% | $695,000 | |
JSB Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.2% | 100% | $1,185,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.2% | 100% | $355,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $1,115,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Southland Credit Uniom
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lennar Mortgage, LLC
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Conventional, FHA, VA | 51 | 10.9% | 98.1% | $714,607 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 50 +4 HELOCs |
10.7% | 83.3% | $871,000 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 30 | 6.4% | 69.6% | $771,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 27 +1 HELOCs |
5.8% | 96.4% | $827,962 | |
Tri Pointe Connect, LLC
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Conventional | 16 | 3.4% | 100% | $808,750 | |
Pulte Mortgage LLC
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Conventional | 12 | 2.6% | 75% | $635,833 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 10 | 2.1% | 100% | $718,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 5 +1 HELOCs |
1.1% | 100% | $627,000 | View |
Shea Mortgage Inc.
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Conventional | 5 | 1.1% | 100% | $791,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 5 | 1.1% | 100% | $743,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 4 +1 HELOCs |
0.9% | 100% | $755,000 | View |
Newrez LLC
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Conventional, FHA | 4 | 0.9% | 83.3% | $600,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 0.6% | 100% | $908,333 | |
Logan Finance Corporation
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Conventional | 3 | 0.6% | 50% | $675,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $808,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 3 | 0.6% | 100% | $705,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +3 HELOCs |
0.4% | 50% | $180,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $635,000 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $500,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.4% | 66.7% | $595,000 | |
Planet Home Lending, LLC
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Conventional | 2 | 0.4% | 100% | $820,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $625,000 | View |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $895,000 | |
Arc Home LLC
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Conventional | 1 | 0.2% | 100% | $1,065,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
Primelending
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $735,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 50% | $105,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.2% | 100% | $1,045,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $1,195,000 | |
Foundation Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $805,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $725,000 | View |
Teachers Federal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,615,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 100% | $65,000 | |
Great Plains National Bank
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $915,000 | View |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,375,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $615,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.2% | 50% | $765,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $1,205,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $805,000 | View |
Texana Bank
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Conventional | 1 | 0.2% | 100% | $705,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $325,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rancho Mission Viejo 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 Rancho Mission Viejo, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho Mission Viejo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho Mission Viejo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho Mission Viejo, CA
Use these to narrow the list above. Each category shows how many Rancho Mission Viejo, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho Mission Viejo, CA
Independent mortgage companies closed 70.7 percent of home loans in Rancho Mission Viejo, California in 2025, banks 22.7 percent and credit unions 6.6 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Schoolsfirst FCU led with 16 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 Rancho Mission Viejo, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Rancho Mission Viejo, California with 19 loans, about 4.1 percent of the market. The largest lender headquartered in California was Schoolsfirst FCU with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Rancho Mission Viejo, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 98.1 percent, against a 89.2 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.
16 lenders closed FHA loans in Rancho Mission Viejo, California in 2025, led by Lennar Mortgage, LLC with 9. 10 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. 29 banks and 24 credit unions closed home loans in Rancho Mission Viejo, California in 2025, alongside 66 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 Rancho 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 Rancho 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 Rancho 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.
