Mortgage Lenders and Brokers in San Bernardino, 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
San Bernardino, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA330 N D St, San Bernardino, CA 92401A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.290 E Highland Ave, San Bernardino, CA 92404A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1565 E Highland Ave, San Bernardino, CA 92404A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA303 N D St, San Bernardino, CA 92401A+5.0 ★Texas Ratio: 4.14%, Banner BankBanner Bank368 E Vanderbilt Way, San Bernardino, CA 92408A+5.0 ★Texas Ratio: 2.91%, Columbia BankColumbia Bank306 W 2nd St, San Bernardino, CA 92401A+5.0 ★Texas Ratio: 2.28%, Schoolsfirst FCUSchoolsfirst FCU161 E 40th St, San Bernardino, CA 92404 1301A+5.0 ★Texas Ratio: 5.56%, Arrowhead Central Credit UnionArrowhead Central Credit Union575 E Hospitality Ln, San Bernardino, CA 92408A+5.0 ★Texas Ratio: 3.64%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust5701 Kanan Rd, Agoura Hills, CA 91301A5.0 ★Texas Ratio: 7.72%. 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 San Bernardino, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Bernardino 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 San Bernardino, California
Market share is the lender's share of all home loans closed in San Bernardino, 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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4 offices in San Bernardino 330 N D St, San Bernardino, CA 92401 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA, HELOC | 36 +2 HELOCs |
1.7% | 92.3% | $360,555 | View |
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2 offices in San Bernardino 290 E Highland Ave, San Bernardino, CA 92404 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 16 +7 HELOCs |
0.8% | 47.1% | $260,625 | View |
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2 offices in San Bernardino 1565 E Highland Ave, San Bernardino, CA 92404 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 11 | 0.5% | 68.8% | $204,090 | View |
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3 offices in San Bernardino 303 N D St, San Bernardino, CA 92401 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +37 HELOCs |
0.3% | 50% | $423,333 | View |
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1 office in San Bernardino 368 E Vanderbilt Way, San Bernardino, CA 92408 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.1% | 100% | $225,000 | View |
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1 office in San Bernardino 306 W 2nd St, San Bernardino, CA 92401 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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161 E 40th St, San Bernardino, CA 92404 1301 A+5.0 ★Texas Ratio: 5.56% |
Conventional, HELOC | 55 +38 HELOCs |
2.7% | 86.2% | $204,272 | View |
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575 E Hospitality Ln, San Bernardino, CA 92408 A+5.0 ★Texas Ratio: 3.64% |
Conventional, HELOC | 47 +14 HELOCs |
2.3% | 46.2% | $97,978 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional, FHA, VA | 26 | 1.3% | 88.4% | $430,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA | 26 | 1.3% | 76.5% | $290,769 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 14 | 0.7% | 73.7% | $412,142 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 9 +2 HELOCs |
0.4% | 100% | $452,777 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 8 | 0.4% | 61.5% | $193,750 | View |
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3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 6 | 0.3% | 66.7% | $585,000 | View |
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2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63% |
Conventional | 6 | 0.3% | 100% | $100,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
0.2% | 83.3% | $385,000 | View |
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12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24% |
Conventional | 5 | 0.2% | 88.9% | $129,000 | View |
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300 S Highland Springs Ave, Banning, CA 92220 6504 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 4 | 0.2% | 80% | $420,000 | View |
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250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28% |
Conventional | 4 | 0.2% | 80% | $242,500 | |
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900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65% |
Conventional, HELOC | 3 +2 HELOCs |
0.1% | 75% | $45,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 3 +1 HELOCs |
0.1% | 60% | $48,333 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional, HELOC | 2 +2 HELOCs |
0.1% | 66.7% | $25,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +2 HELOCs |
0.1% | 66.7% | $295,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
FHA, HELOC | 1 +4 HELOCs |
0% | 25% | $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 +4 HELOCs |
0% | 100% | $185,000 | View |
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1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22% |
Conventional, HELOC | 1 +2 HELOCs |
0% | 50% | $135,000 | View |
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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
Conventional, HELOC | 1 +1 HELOCs |
0% | 100% | $55,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0% | 25% | $485,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +1 HELOCs |
0% | 100% | $55,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0% | 50% | $535,000 | View |
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2421 E Coast Hwy, Corona Del Mar, CA 92625 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0% | 100% | $105,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0% | 100% | $155,000 | |
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300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77% |
VA | 1 | 0% | 100% | $585,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
FHA | 1 | 0% | 50% | $625,000 | View |
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2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
Conventional | 1 | 0% | 100% | $525,000 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional | 1 | 0% | 100% | $105,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0% | 100% | $125,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0% | 100% | $155,000 | View |
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1425 W LUGONIA AVE, REDLANDS, CA 92374 A+5.0 ★Texas Ratio: 3.38% |
HELOC | 0 +7 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 +4 HELOCs |
0% | 0% | 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 +3 HELOCs |
0% | 0% | 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 +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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146 W Carson St, Carson, CA 90745 2601 A5.0 ★Texas Ratio: 13.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, VA, Jumbo, HELOC | 156 +1 HELOCs |
7.5% | 93.7% | $428,333 | View |
ML Mortgage Corp.
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Conventional, FHA | 45 | 2.2% | 98% | $371,666 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 36 | 1.7% | 92.7% | $384,722 | |
Royal Pacific Funding
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Conventional, FHA, VA | 35 | 1.7% | 100% | $424,142 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 34 | 1.6% | 87.8% | $359,705 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 33 | 1.6% | 100% | $401,060 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 30 +3 HELOCs |
1.5% | 71.4% | $324,666 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 29 +5 HELOCs |
1.4% | 66.7% | $273,275 | |
Flexpoint, Inc.
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Conventional, FHA | 24 | 1.2% | 94.6% | $291,250 | |
Golden Empire Mortgage, Inc.
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Conventional, FHA | 22 | 1.1% | 100% | $331,363 | |
Geo-Corp, Inc.
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FHA | 22 | 1.1% | 100% | $532,272 | |
Kind Lending, LLC
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Conventional, FHA, VA, HELOC | 21 +1 HELOCs |
1% | 47.7% | $425,000 | |
AmWest Funding Corp
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Conventional, FHA, VA, HELOC | 20 +2 HELOCs |
1% | 87% | $403,000 | |
Franklin Loan Corporation
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Conventional, FHA | 19 | 0.9% | 100% | $235,526 | |
JMAC Lending, Inc.
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Conventional, FHA, VA | 18 | 0.9% | 90% | $471,666 | |
Bay-Valley Mortgage Group
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Conventional, FHA, VA | 17 | 0.8% | 100% | $336,764 | |
Ahl Funding
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Conventional, FHA, VA | 16 | 0.8% | 100% | $469,375 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, FHA | 13 | 0.6% | 92.9% | $383,461 | |
Ez Fundings Inc
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Conventional, FHA | 12 | 0.6% | 100% | $450,000 | |
Nmsi, Inc.
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Conventional, FHA | 12 | 0.6% | 100% | $401,666 | |
Hometown Equity Mortgage, LLC
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Conventional, FHA | 10 | 0.5% | 71.4% | $409,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 9 | 0.4% | 80% | $408,333 | |
Coast 2 Coast Funding Group, Inc
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Conventional | 9 | 0.4% | 100% | $229,444 | |
Ony Glo, Inc.
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Conventional, FHA | 9 | 0.4% | 47.4% | $485,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 9 | 0.4% | 38.2% | $286,111 | |
Stg Mortgage Inc
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Conventional, FHA | 8 | 0.4% | 88.9% | $506,250 | |
Intelliloan, Inc.
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Conventional, FHA | 6 | 0.3% | 75% | $426,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 6 | 0.3% | 75% | $518,333 | |
Goodleap, LLC
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Conventional, VA, HELOC | 5 +7 HELOCs |
0.2% | 71.4% | $281,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 5 | 0.2% | 55.6% | $355,000 | |
Banc One Mortage Corporation
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Conventional | 5 | 0.2% | 100% | $375,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.2% | 100% | $602,500 | |
New Wave Lending Group Inc
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Conventional | 4 | 0.2% | 100% | $325,000 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 4 | 0.2% | 100% | $362,500 | |
Pacific Lending LLC
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FHA, VA | 3 | 0.1% | 100% | $451,666 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.1% | 37.5% | $465,000 | |
HomeXpress Mortgage Corp.
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Conventional | 3 | 0.1% | 50% | $348,333 | |
Greenbox Loans
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Conventional, Jumbo | 3 | 0.1% | 100% | $491,666 | |
Cake Mortgage Corp.
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Conventional | 3 | 0.1% | 100% | $395,000 | |
Alameda Mortgage Corporation
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Conventional | 2 | 0.1% | 100% | $270,000 | |
Residential Wholesale Mortgage
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Conventional | 2 | 0.1% | 100% | $355,000 | |
AAA Capital Investment, Inc
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Conventional | 2 | 0.1% | 100% | $470,000 | |
Resicentral LLC
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FHA | 2 | 0.1% | 100% | $490,000 | |
Habitfactory USA Inc dba Loaning AI
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Conventional, FHA | 2 | 0.1% | 100% | $535,000 | |
Campos Financial Corp
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FHA | 2 | 0.1% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 0.1% | 66.7% | $110,000 | View |
Provident Funding Associates
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Conventional | 2 | 0.1% | 66.7% | $410,000 | |
Emet Lending Group, Inc.
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Conventional, FHA | 2 | 0.1% | 100% | $620,000 | |
Popa FCU - Cerritos
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Conventional | 2 | 0.1% | 100% | $80,000 | |
Plaza Home Mortgage, Inc
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FHA | 2 | 0.1% | 40% | $570,000 | |
MortgageOne, Inc
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FHA | 1 | 0% | 100% | $545,000 | |
Mortgage Capital Partners, INC
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Conventional | 1 | 0% | 100% | $385,000 | |
Fidelity Lending Solutions Inc
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Conventional | 1 | 0% | 100% | $705,000 | |
ResMac Inc
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Conventional | 1 | 0% | 100% | $595,000 | |
Lending 3, Inc
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VA | 1 | 0% | 100% | $565,000 | |
PFN Lending Group, Inc.
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VA | 1 | 0% | 50% | $725,000 | |
Victoria Financial Corp
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Conventional | 1 | 0% | 100% | $305,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0% | 100% | $195,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0% | 50% | $525,000 | |
Ardri LLC
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Conventional | 1 | 0% | 100% | $525,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0% | 100% | $425,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0% | 100% | $385,000 | |
Nexera Holding LLC
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Conventional | 1 | 0% | 100% | $515,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0% | 50% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +15 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Financial Partners Credit Unio
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 317 +31 HELOCs |
15.3% | 81.3% | $463,801 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 174 | 8.4% | 69.2% | $298,678 | |
Nationstar Mortgage
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Conventional, FHA | 34 | 1.6% | 76.6% | $122,941 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 33 | 1.6% | 83.6% | $434,090 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 31 | 1.5% | 91.2% | $381,451 | |
Newrez LLC
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Conventional, FHA, VA | 31 | 1.5% | 54.1% | $266,935 | |
Spring Eq, LLC
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Conventional, HELOC | 27 +13 HELOCs |
1.3% | 46.2% | $113,888 | |
Homeamerican Mortgage Corporation
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Conventional, FHA, VA | 26 | 1.3% | 92.9% | $496,923 | |
21St Mortgage
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Conventional | 24 | 1.2% | 37.9% | $145,833 | |
The Loan Store, Inc
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Conventional, FHA, VA, Jumbo, HELOC | 20 +10 HELOCs |
1% | 96% | $480,000 | |
Triad Financial Services, Inc.
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Conventional | 20 | 1% | 68.4% | $147,500 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 15 | 0.7% | 88.9% | $390,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
0.7% | 100% | $364,285 | |
Mortgage Research Center
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Conventional, VA | 14 | 0.7% | 66.7% | $477,857 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 13 +11 HELOCs |
0.6% | 56.5% | $255,769 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA, HELOC | 13 +2 HELOCs |
0.6% | 100% | $464,230 | View |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 13 +1 HELOCs |
0.6% | 92.9% | $320,384 | |
Ameritrust Mortgage Corporation
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Conventional, FHA | 12 | 0.6% | 100% | $442,500 | |
Credit Human Federal Credit Un
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Conventional | 11 | 0.5% | 72.7% | $114,090 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 10 | 0.5% | 27.3% | $268,000 | |
Equity Prime Mortgage LLC
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Conventional, FHA, VA | 10 | 0.5% | 100% | $450,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 9 | 0.4% | 52.9% | $465,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 8 | 0.4% | 100% | $372,500 | |
All Credit Considered Mortgage, Inc.
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Conventional | 6 | 0.3% | 100% | $386,666 | |
Discover Bank
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Conventional | 5 | 0.2% | 20.8% | $81,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 5 | 0.2% | 71.4% | $341,000 | View |
Nations Direct Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.2% | 83.3% | $363,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 0.2% | 100% | $395,000 | View |
PHH Mortgage Corporation
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Conventional | 4 | 0.2% | 57.1% | $227,500 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 0.2% | 14.8% | $137,500 | |
New Day Financial, LLC.
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FHA, VA | 4 | 0.2% | 54.5% | $327,500 | |
Mortgage Solutions of Colorado
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Conventional, FHA, VA | 4 | 0.2% | 87.5% | $580,000 | |
Champions Funding, LLC
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Conventional | 4 | 0.2% | 80% | $267,500 | |
Village Capital & Investment
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FHA | 4 | 0.2% | 64.7% | $487,500 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 3 +16 HELOCs |
0.1% | 37.5% | $485,000 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 0.1% | 75% | $478,333 | |
Deephaven Mortgage LLC
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Conventional | 3 | 0.1% | 75% | $168,333 | |
Data Mortgage, Inc
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Conventional, FHA | 3 | 0.1% | 100% | $458,333 | |
Better Mortgage Corporation
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Conventional, FHA | 3 | 0.1% | 100% | $275,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 3 | 0.1% | 75% | $431,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 0.1% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 3 | 0.1% | 100% | $421,666 | View |
Lower, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $515,000 | |
Envoy Mortgage, Ltd
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FHA, VA | 2 | 0.1% | 100% | $350,000 | |
Fed Ex Employees Credit Association
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Conventional | 2 | 0.1% | 100% | $105,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.1% | 66.7% | $485,000 | |
Filo Mortgage, LLC
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Conventional | 2 | 0.1% | 100% | $410,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.1% | 75% | $235,000 | |
American Financing Corporation
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Conventional, FHA | 2 | 0.1% | 40% | $165,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.1% | 100% | $490,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $265,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 2 | 0.1% | 66.7% | $215,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.1% | 100% | $370,000 | View |
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A+5.0 ★Texas Ratio: 4.65% |
Conventional, HELOC | 1 +2 HELOCs |
0% | 100% | $65,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0% | 50% | $65,000 | View |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +1 HELOCs |
0% | 100% | $75,000 | View |
Panorama Mortgage Group, LLC
|
FHA | 1 | 0% | 100% | $575,000 | |
Guaranteed Rate Affinity, LLC
|
FHA | 1 | 0% | 100% | $345,000 | |
Primelending
|
FHA | 1 | 0% | 100% | $595,000 | |
Canopy Mortgage, LLC
|
Conventional | 1 | 0% | 100% | $415,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0% | 50% | $375,000 | |
Acrisure Mortgage, LLC
|
Conventional | 1 | 0% | 100% | $305,000 | |
HomeStreet Bank
|
Conventional | 1 | 0% | 100% | $495,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0% | 100% | $415,000 | View |
Valley West Corporation
|
FHA | 1 | 0% | 100% | $445,000 | |
Obsidian Financial Services
|
FHA | 1 | 0% | 100% | $515,000 | |
AAFMAA Mortgage Services LLC
|
FHA | 1 | 0% | 100% | $535,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0% | 100% | $455,000 | |
Bay Equity LLC
|
Conventional | 1 | 0% | 100% | $475,000 | |
First Colony Mortgage Corporat
|
FHA | 1 | 0% | 66.7% | $525,000 | |
Foundation Mortgage Corporation
|
Conventional | 1 | 0% | 100% | $405,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0% | 50% | $345,000 | View |
|
A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0% | 50% | $335,000 | View |
|
A5.0 ★Texas Ratio: 8.33% |
Conventional | 1 | 0% | 50% | $45,000 | View |
V.I.P. Mortgage, Inc.
|
FHA | 1 | 0% | 100% | $685,000 | |
Logan Finance Corporation
|
Conventional | 1 | 0% | 100% | $355,000 | |
Ussfcu
|
Conventional | 1 | 0% | 100% | $85,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0% | 100% | $1,685,000 | View |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +18 HELOCs |
0% | n/a | View | |
Valon Mortgage
|
HELOC | 0 +7 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +5 HELOCs |
0% | n/a | ||
Alliant Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Boeing Employees' Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Empeople Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
San Bernardino 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 San Bernardino, California
Looking for mortgage lenders near me or mortgage brokers near me in San Bernardino? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Bernardino in 2025, with lenders based there listed first.
Types of Mortgage Lenders in San Bernardino, CA
Use these to narrow the list above. Each category shows how many San Bernardino, CA lenders fit and what that kind of lender is usually best for.
Who Lends in San Bernardino, CA
Independent mortgage companies closed 83.9 percent of home loans in San Bernardino, California in 2025, banks 8 percent and credit unions 8.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 6 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 San Bernardino, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in San Bernardino, California with 36 loans, about 1.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in San Bernardino, California, Ocmbc, Inc. approved the highest share of completed applications in 2025 at 93.7 percent, against a 75 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.
88 lenders closed FHA loans in San Bernardino, California in 2025, led by United Wholesale Mortgage with 166. 44 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. 31 banks and 37 credit unions closed home loans in San Bernardino, California in 2025, alongside 132 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 San Bernardino, 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 San Bernardino, 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 San Bernardino. 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.
