Mortgage Lenders and Brokers in Rancho Santa Margarita, 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 Margarita, California mortgage lenders include US Bank, N.A.US Bank, N.A.22012 El Paseo, Rancho Santa Margarita, CA 92688A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA22371 Antonio Pkwy, Rancho Santa Margarita, CA 92688A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA31531 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA22391 Antonio Pkwy, Rancho Santa Margarita, CA 92688A+5.0 ★Texas Ratio: 3.68%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust29818 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688A5.0 ★Texas Ratio: 7.72%, Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%, Orange County'S FCUOrange County'S FCU2390 E Orangewood Ave Ste 106, Anaheim, CA 92806A+5.0 ★Texas Ratio: 4.43%, Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%, California Credit UnionCalifornia Credit Union633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973A+5.0 ★Texas Ratio: 2.90%, and Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%. 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 Margarita, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rancho Santa Margarita 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 Margarita, California
Market share is the lender's share of all home loans closed in Rancho Santa Margarita, 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 Margarita 22012 El Paseo, Rancho Santa Margarita, CA 92688 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, Jumbo, HELOC | 38 +14 HELOCs |
5.3% | 86.4% | $748,157 | View |
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2 offices in Rancho Santa Margarita 22371 Antonio Pkwy, Rancho Santa Margarita, CA 92688 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 12 | 1.7% | 100% | $1,046,666 | View |
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1 office in Rancho Santa Margarita 31531 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 9 +32 HELOCs |
1.3% | 81.8% | $831,666 | View |
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1 office in Rancho Santa Margarita 22391 Antonio Pkwy, Rancho Santa Margarita, CA 92688 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 9 +1 HELOCs |
1.3% | 69.2% | $757,222 | View |
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1 office in Rancho Santa Margarita 29818 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688 A5.0 ★Texas Ratio: 7.72% |
FHA, Jumbo | 1 | 0.1% | 20% | $1,235,000 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, Jumbo, HELOC | 40 +87 HELOCs |
5.6% | 93.3% | $501,750 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional, Jumbo, HELOC | 12 +11 HELOCs |
1.7% | 92.3% | $325,833 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 9 | 1.3% | 81.8% | $145,000 | View |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 5 | 0.7% | 83.3% | $713,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 5 | 0.7% | 100% | $1,075,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo | 4 | 0.6% | 100% | $635,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.4% | 100% | $1,145,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 3 | 0.4% | 100% | $858,333 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 3 | 0.4% | 100% | $711,666 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $905,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $855,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $1,175,000 | View |
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900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $645,000 | View |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.3% | 100% | $625,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $675,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.1% | 50% | $1,405,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $395,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $305,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.1% | 100% | $935,000 | View |
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200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
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5307 Beach Blvd, Buena Park, CA 90621 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.1% | 100% | $605,000 | View |
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2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08% |
Conventional | 1 | 0.1% | 100% | $525,000 | View |
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56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.1% | 100% | $665,000 | View |
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325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84% |
Conventional | 1 | 0.1% | 100% | $855,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 50% | $815,000 | View |
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255 E River Park Cir, Fresno, CA 93720 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.1% | 100% | $715,000 | 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 +16 HELOCs |
0% | n/a | View | |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 21 +3 HELOCs |
2.9% | 80.8% | $432,619 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 19 | 2.6% | 82.6% | $793,947 | |
New American Funding, LLC.
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Conventional, FHA, Jumbo | 8 | 1.1% | 72.7% | $716,250 | |
AmWest Funding Corp
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Conventional, FHA, Jumbo, HELOC | 7 +2 HELOCs |
1% | 87.5% | $867,857 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 6 | 0.8% | 100% | $473,333 | |
Franklin Loan Corporation
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Conventional, VA | 5 | 0.7% | 100% | $605,000 | |
Nmsi, Inc.
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Conventional, FHA, Jumbo | 5 | 0.7% | 100% | $831,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 4 | 0.6% | 80% | $347,500 | View |
Hometown Equity Mortgage, LLC
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Conventional | 4 | 0.6% | 80% | $640,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $1,007,500 | |
AAA Capital Investment, Inc
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Conventional | 3 | 0.4% | 100% | $698,333 | |
Kind Lending, LLC
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Conventional, VA | 3 | 0.4% | 75% | $448,333 | |
General Mortgage Capital Corporation
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Conventional | 3 | 0.4% | 100% | $735,000 | |
Royal Pacific Funding
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Conventional, FHA, Jumbo | 3 | 0.4% | 100% | $955,000 | |
Stg Mortgage Inc
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Conventional | 3 | 0.4% | 100% | $595,000 | |
American Internet Mortgage, Inc.
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Conventional | 3 | 0.4% | 100% | $858,333 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 3 | 0.4% | 100% | $858,333 | |
Zillow Home Loans, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $665,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 3 | 0.4% | 100% | $828,333 | |
MortgageOne, Inc
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FHA, VA, Jumbo | 2 | 0.3% | 66.7% | $895,000 | |
Resicentral LLC
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FHA, VA | 2 | 0.3% | 100% | $710,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,000,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 0.3% | 100% | $500,000 | |
HomeXpress Mortgage Corp.
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Conventional | 2 | 0.3% | 66.7% | $720,000 | |
New Wave Lending Group Inc
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Conventional | 2 | 0.3% | 100% | $240,000 | |
Ez Fundings Inc
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Conventional | 2 | 0.3% | 100% | $655,000 | |
JSB Mortgage Corporation
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Conventional, Jumbo | 2 | 0.3% | 100% | $945,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $665,000 | |
Emet Lending Group, Inc.
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Conventional | 2 | 0.3% | 100% | $920,000 | |
Mission Loans, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $350,000 | |
Southland Credit Uniom
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Conventional | 2 | 0.3% | 100% | $1,175,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.3% | 100% | $945,000 | |
Vista Point Mortgage, LLC
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Conventional | 2 | 0.3% | 66.7% | $185,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,385,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.1% | 100% | $605,000 | |
Fundloans Capital
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Conventional | 1 | 0.1% | 50% | $725,000 | |
Pacific Lending LLC
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VA | 1 | 0.1% | 100% | $665,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.1% | 100% | $755,000 | |
ResMac Inc
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Ahl Funding
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Dignified Home Loans LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.1% | 50% | $525,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $1,205,000 | |
Banc One Mortage Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.1% | 100% | $835,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.1% | 100% | $625,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +10 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +9 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 96 | 13.4% | 87.6% | $559,375 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 90 +18 HELOCs |
12.5% | 87.5% | $685,555 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 20 +1 HELOCs |
2.8% | 100% | $499,000 | |
Spring Eq, LLC
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Conventional, HELOC | 10 +8 HELOCs |
1.4% | 47.6% | $131,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 10 +4 HELOCs |
1.4% | 100% | $888,000 | |
Primelending
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Conventional, FHA, VA | 10 | 1.4% | 100% | $575,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 9 +5 HELOCs |
1.3% | 83.3% | $700,555 | |
Nationstar Mortgage
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Conventional | 8 | 1.1% | 88.9% | $206,250 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, USDA, HELOC | 7 +3 HELOCs |
1% | 100% | $500,714 | View |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, VA, HELOC | 7 +1 HELOCs |
1% | 100% | $629,285 | |
Newrez LLC
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Conventional, FHA | 6 | 0.8% | 46.2% | $880,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +6 HELOCs |
0.7% | 83.3% | $451,000 | |
Originpoint, LLC
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Conventional, FHA, Jumbo | 5 | 0.7% | 100% | $1,099,000 | |
Movement Mortgage, LLC
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Conventional | 5 | 0.7% | 100% | $835,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 5 | 0.7% | 85.7% | $815,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 4 | 0.6% | 100% | $907,500 | View |
Mortgage Research Center
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VA, Jumbo | 4 | 0.6% | 66.7% | $1,010,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 4 | 0.6% | 100% | $887,500 | View |
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A+5.0 ★Texas Ratio: 4.65% |
Conventional, HELOC | 3 +3 HELOCs |
0.4% | 100% | $305,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.4% | 75% | $755,000 | |
Advancial Federal Credit Union
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Conventional, Jumbo | 3 | 0.4% | 100% | $1,271,666 | |
Discover Bank
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Conventional | 3 | 0.4% | 60% | $215,000 | |
Ameritrust Mortgage Corporation
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Conventional, Jumbo | 3 | 0.4% | 100% | $1,015,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 3 | 0.4% | 75% | $995,000 | |
Nations Direct Mortgage, LLC
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Conventional | 3 | 0.4% | 100% | $755,000 | |
Champions Funding, LLC
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Conventional | 3 | 0.4% | 75% | $601,666 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +8 HELOCs |
0.3% | 40% | $125,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,040,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.3% | 50% | $240,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.3% | 100% | $845,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.3% | 66.7% | $405,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.3% | 25% | $470,000 | |
Emporium Tpo LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,155,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, VA, Jumbo | 2 | 0.3% | 100% | $1,225,000 | View |
Union Home Mortgage Corp.
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Conventional | 2 | 0.3% | 100% | $955,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 2 | 0.3% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,420,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.3% | 100% | $990,000 | |
Toyota Financial Savings Bank
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Conventional | 2 | 0.3% | 100% | $930,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $395,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $205,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $745,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 50% | $455,000 | |
Lower, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $365,000 | |
Arc Home LLC
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Conventional | 1 | 0.1% | 100% | $1,135,000 | |
Genisys Credit Union
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 50% | $885,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $615,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $785,000 | |
Fed Ex Employees Credit Association
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Conventional | 1 | 0.1% | 100% | $25,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $615,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $725,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.1% | 100% | $645,000 | |
Bay Equity LLC
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Conventional | 1 | 0.1% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.1% | 100% | $705,000 | View |
Strong Home Mortgage, LLC
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VA | 1 | 0.1% | 100% | $1,095,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $745,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.1% | 100% | $1,035,000 | |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Teachers Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $1,005,000 | |
Andrews Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $605,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $685,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $655,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $475,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,335,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 100% | $1,005,000 | |
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A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $605,000 | View |
Flyhomes Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Digital Federal Credit Union
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State Departmenet Federal Credit Union
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Rancho Santa Margarita 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 Margarita, California
Looking for mortgage lenders near me or mortgage brokers near me in Rancho Santa Margarita? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rancho Santa Margarita in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rancho Santa Margarita, CA
Use these to narrow the list above. Each category shows how many Rancho Santa Margarita, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Rancho Santa Margarita, CA
Independent mortgage companies closed 68.4 percent of home loans in Rancho Santa Margarita, California in 2025, banks 19.6 percent and credit unions 12 percent. Sun West Mortgage Company, Inc was the largest mortgage company, US Bank, N.A. the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 9 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 Margarita, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Rancho Santa Margarita, California with 38 loans, about 5.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Rancho Santa Margarita, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 87.6 percent, against a 85.9 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.
28 lenders closed FHA loans in Rancho Santa Margarita, California in 2025, led by United Wholesale Mortgage with 11. 19 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. 37 banks and 32 credit unions closed home loans in Rancho Santa Margarita, California in 2025, alongside 103 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 Margarita, 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 Margarita, 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 Margarita. 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.
