Mortgage Lenders and Brokers in Rancho San Diego, 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 San Diego, California mortgage lenders include Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Mission Federal Credit UnionMission Federal Credit Union1301 17th St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, The First Financial Federal Credit UnionThe First Financial Federal Credit Union1211 E Valley Blvd, Alhambra, CA 91801A+5.0 ★Texas Ratio: 4.74%, Mypoint Credit UnionMypoint Credit Union2610 El Camino Real Unit A, Carlsbad, CA 92008 1214A+5.0 ★Texas Ratio: 2.57%, San Diego County Credit UnionSan Diego County Credit Union2530 El Camino Real, Carlsbad, CA 92008A+5.0 ★Texas Ratio: 0.52%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union1100 W Hollyvale St, Azusa, CA 91702 3305A5.0 ★Texas Ratio: 8.22%, and Orange County'S FCUOrange County'S FCU2390 E Orangewood Ave Ste 106, Anaheim, CA 92806A+5.0 ★Texas Ratio: 4.43%. 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 San Diego, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho San Diego 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 San Diego, California
Market share is the lender's share of all home loans closed in Rancho San Diego, 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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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 11 | 4.4% | 84.6% | $1,027,727 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 8 +6 HELOCs |
3.2% | 57.1% | $898,750 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 2.4% | 85.7% | $695,000 | View |
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1301 17th St, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 3 +21 HELOCs |
1.2% | 80% | $488,333 | 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 | 3 +12 HELOCs |
1.2% | 100% | $128,333 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 2 | 0.8% | 100% | $105,000 | 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 +4 HELOCs |
0.4% | 100% | $155,000 | View |
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2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $85,000 | View |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $245,000 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 20% | $555,000 | View |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $605,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | 100% | View | |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +2 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 +1 HELOCs |
0% | 0% | 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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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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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
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Conventional, VA | 22 | 8.8% | 81.5% | $613,181 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.6% | 80% | $342,500 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 4 | 1.6% | 100% | $1,112,500 | |
Vista Point Mortgage, LLC
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Conventional | 4 | 1.6% | 100% | $402,500 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, Jumbo | 3 | 1.2% | 100% | $848,333 | |
Kind Lending, LLC
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Conventional | 2 | 0.8% | 40% | $200,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 40% | $850,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 0.8% | 100% | $920,000 | |
ClearEdge Lending LLC
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Conventional | 2 | 0.8% | 100% | $765,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.8% | 100% | $285,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.8% | 100% | $860,000 | |
Fundloans Capital
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Conventional | 1 | 0.4% | 100% | $535,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Resicentral LLC
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VA | 1 | 0.4% | 100% | $405,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.4% | 100% | $125,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.4% | 100% | $875,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Mission Loans, LLC
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FHA | 1 | 0.4% | 100% | $675,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 33.3% | $145,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $935,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.4% | 100% | $1,025,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 48 +8 HELOCs |
19.3% | 89.1% | $698,125 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 39 | 15.7% | 82% | $607,564 | |
Nqm Funding, LLC
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Conventional | 7 | 2.8% | 100% | $726,428 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +5 HELOCs |
2.4% | 75% | $420,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
2.4% | 100% | $563,333 | |
Newrez LLC
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Conventional, VA | 4 | 1.6% | 66.7% | $897,500 | |
Mortgage Research Center
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VA, Jumbo | 3 | 1.2% | 100% | $818,333 | |
Fairway Independent Mort Corp
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Conventional | 3 | 1.2% | 100% | $658,333 | |
Spring Eq, LLC
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Conventional | 3 | 1.2% | 36.4% | $125,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.8% | 100% | $380,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 0.8% | 100% | $410,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 100% | $710,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $795,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 0.4% | 50% | $1,245,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.4% | 50% | $505,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.4% | 100% | $1,055,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 66.7% | $185,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $605,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Obsidian Financial Services
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VA | 1 | 0.4% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.4% | 100% | $655,000 | View |
Bay Equity LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.4% | 66.7% | $995,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.4% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.53% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $505,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.4% | 100% | $505,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 50% | $175,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf 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 | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Rancho San Diego 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 San Diego, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho San Diego? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho San Diego in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho San Diego, CA
Use these to narrow the list above. Each category shows how many Rancho San Diego, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho San Diego, CA
Independent mortgage companies closed 83.9 percent of home loans in Rancho San Diego, California in 2025, banks 8 percent and credit unions 8 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Change Lending led with 11 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 San Diego, CA
By home loans closed in 2025, Change Lending was the largest mortgage lender in Rancho San Diego, California with 11 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Rancho San Diego, California in 2025, led by United Wholesale Mortgage with 4. 14 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. 13 banks and 17 credit unions closed home loans in Rancho San Diego, California in 2025, alongside 57 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 San Diego, 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 San Diego, 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 San Diego. 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.
