Mortgage Lenders and Brokers in Rancho Santa Fe, 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 Santa Fe, California mortgage lenders include US Bank, N.A.US Bank, N.A.16083 San Dieguito Road Suite F1, Rancho Santa Fe, CA 92067A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA6008 Paseo Delicias, Rancho Santa Fe, CA 92067A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6041 La Flecha, Rancho Santa Fe, CA 92067A+5.0 ★Texas Ratio: 3.68%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, Bank of America NABank of America NA17008 Avenida De Acacias, Rancho Santa Fe, CA 92067A+5.0 ★Texas Ratio: 4.14%, Axos BankAxos Bank4350 La Jolla Village Dr, San Diego, CA 92122A+5.0 ★Texas Ratio: 3.94%, Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%, Citizens Bank, NACitizens Bank, NA750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941A+5.0 ★Texas Ratio: 5.44%, City National BankCity National Bank2401 E Katella Ave, Anaheim, CA 92806A+5.0 ★Texas Ratio: 5.55%, and MidFirst BankMidFirst Bank16633 Ventura Blvd, Encino, CA 91436A+5.0 ★Texas Ratio: 4.93%. 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 Santa Fe, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho Santa Fe 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 Santa Fe, California
Market share is the lender's share of all home loans closed in Rancho Santa Fe, 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 Santa Fe 16083 San Dieguito Road Suite F1, Rancho Santa Fe, CA 92067 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 8 +3 HELOCs |
8.9% | 72.7% | $2,607,500 | View |
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1 office in Rancho Santa Fe 6008 Paseo Delicias, Rancho Santa Fe, CA 92067 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 8 | 8.9% | 80% | $2,158,750 | View |
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1 office in Rancho Santa Fe 6041 La Flecha, Rancho Santa Fe, CA 92067 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
5.6% | 83.3% | $3,475,000 | View |
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1 office in Rancho Santa Fe 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.1% | 100% | $2,755,000 | View |
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1 office in Rancho Santa Fe 17008 Avenida De Acacias, Rancho Santa Fe, CA 92067 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 1.1% | 50% | $6,405,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 5 | 5.6% | 83.3% | $6,133,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 4.4% | 100% | $2,425,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
2.2% | 100% | $2,685,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.1% | 50% | $1,135,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 1.1% | 100% | $2,995,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 1 | 1.1% | 100% | $3,875,000 | 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 | 1.1% | 100% | $3,415,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 1.1% | 50% | $4,585,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo | 1 | 1.1% | 100% | $2,375,000 | View |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Fundloans Capital
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Conventional, Jumbo | 2 | 2.2% | 100% | $1,255,000 | |
Greenbox Loans
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Conventional, Jumbo | 2 | 2.2% | 100% | $2,180,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 2 | 2.2% | 100% | $2,095,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 2.2% | 100% | $3,820,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 2 | 2.2% | 100% | $1,880,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $755,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,875,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 1 | 1.1% | 100% | $4,005,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 1 | 1.1% | 100% | $3,505,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 5 | 5.6% | 100% | $1,721,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 5.6% | 100% | $3,197,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 4 | 4.4% | 100% | $3,847,500 | View |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
3.3% | 75% | $1,608,333 | |
Originpoint, LLC
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Conventional, Jumbo | 3 | 3.3% | 100% | $2,521,666 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 3.3% | 100% | $2,738,333 | |
Logan Finance Corporation
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Conventional, Jumbo | 3 | 3.3% | 100% | $2,201,666 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 2.2% | 100% | $1,345,000 | View |
Rocket Mortgage
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Conventional | 1 | 1.1% | 50% | $205,000 | |
Newrez LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $2,205,000 | |
Nbkc Bank
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Conventional | 1 | 1.1% | 100% | $905,000 | |
Emporium Tpo LLC
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Conventional, Jumbo | 1 | 1.1% | 33.3% | $1,895,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 1.1% | 100% | $3,485,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 1.1% | 100% | $3,005,000 | |
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A+5.0 ★Texas Ratio: 4.74% |
Conventional, Jumbo | 1 | 1.1% | 100% | $3,005,000 | View |
Luxury Mortgage Corp.
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Conventional, Jumbo | 1 | 1.1% | 100% | $2,805,000 | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Allied Mortgage Group, Inc
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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 | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rancho Santa Fe 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 Santa Fe, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho Santa Fe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho Santa Fe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho Santa Fe, CA
Use these to narrow the list above. Each category shows how many Rancho Santa Fe, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho Santa Fe, CA
Independent mortgage companies closed 44.4 percent of home loans in Rancho Santa Fe, California in 2025, banks 54.4 percent and credit unions 1.1 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 1 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 Santa Fe, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Rancho Santa Fe, California with 8 loans, about 8.9 percent of the market. The largest lender headquartered in California was Bank of America NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 2 credit unions closed home loans in Rancho Santa Fe, California in 2025, alongside 23 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 Santa Fe, 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 Santa Fe, 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 Santa Fe. 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.
