☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / San Clemente

iAdvertiser Disclosure

Mortgage Lenders and Brokers in San Clemente, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

San Clemente, California mortgage lenders include US Bank, N.A.US Bank, N.A.989 Avenida Pico, San Clemente, CA 92673A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA638 Camino De Los Mares, San Clemente, CA 92673A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA601 N El Camino Real, San Clemente, CA 92672A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA570 Camino De Estrella, San Clemente, CA 92672A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA965 Avenida Pico, San Clemente, CA 92673A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA641 Camino De Los Mares, San Clemente, CA 92673A+5.0 ★Texas Ratio: 3.54%, Farmers and Merchants Bank of Long BeachFarmers and Merchants Bank of Long Beach501 N El Camino Real, San Clemente, CA 92672A+5.0 ★Texas Ratio: 0.06%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.415 E Avenida Pico, San Clemente, CA 92672A+5.0 ★Texas Ratio: 3.72%, Schoolsfirst FCUSchoolsfirst FCU943 Avenida Pico Unit I, San Clemente, CA 92673A+5.0 ★Texas Ratio: 5.56%, 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 San Clemente, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Clemente 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 Clemente, California

Market share is the lender's share of all home loans closed in San Clemente, 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
US Bank, N.A. 1 office in San Clemente 989 Avenida Pico, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	52 +16 HELOCs	6.1%	72.2%	$1,257,307	View
JPMorgan Chase Bank, NA 3 offices in San Clemente 638 Camino De Los Mares, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	27 +4 HELOCs	3.2%	96.7%	$1,191,666	View
Wells Fargo Bank NA 2 offices in San Clemente 601 N El Camino Real, San Clemente, CA 92672 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	22	2.6%	91.7%	$1,415,909	View
Citibank, NA 1 office in San Clemente 570 Camino De Estrella, San Clemente, CA 92672 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	18 +1 HELOCs	2.1%	100%	$1,589,444	View
Bank of America NA 3 offices in San Clemente 965 Avenida Pico, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	13 +35 HELOCs	1.5%	88.2%	$1,170,384	View
BMO Harris Bank NA 1 office in San Clemente 641 Camino De Los Mares, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	2 +7 HELOCs	0.2%	60%	$3,105,000	View
Farmers and Merchants Bank of Long Beach 1 office in San Clemente 501 N El Camino Real, San Clemente, CA 92672 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	100%	$285,000	View
Zions Bancorporation, N.A. 1 office in San Clemente 415 E Avenida Pico, San Clemente, CA 92672 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +4 HELOCs	0%	55.6%		View
Schoolsfirst FCU 943 Avenida Pico Unit I, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	30 +94 HELOCs	3.5%	88.2%	$520,666	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	10 +11 HELOCs	1.2%	100%	$247,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	9 +2 HELOCs	1.1%	75%	$1,752,777	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	9	1.1%	69.2%	$243,888	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.7%	100%	$1,213,333	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.5%	100%	$947,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.4%	75%	$1,301,666	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.4%	100%	$1,658,333	View
Sun West Mortgage Company, Inc 905 Calle Amanecer, San Clemente, CA 92673 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	3	0.4%	100%	$541,666	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	2	0.2%	100%	$5,255,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	2	0.2%	100%	$1,260,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	2	0.2%	100%	$1,380,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$55,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	100%	$1,405,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$945,000	View
Logix Federal Credit Union 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%	$1,035,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.1%	100%	$3,655,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	66.7%	$1,005,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.1%	100%	$805,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	1	0.1%	100%	$1,425,000
Bank Irvine 6201 Oak Canyon Suite 150, Irvine, CA 92618 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$395,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	1	0.1%	100%	$155,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0.1%	100%	$1,955,000	View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	Conventional	1	0.1%	100%	$145,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$75,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0.1%	100%	$965,000	View
American Riviera Bank 7035 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.04%	Conventional	1	0.1%	100%	$1,205,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$985,000	View
Water and Power Community Credit Union 16840 Devonshire St, Granada Hills, CA 91344 7404 A+5.0 ★Texas Ratio: 3.77%	Conventional	1	0.1%	100%	$405,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0.1%	33.3%	$1,565,000	View
UMe Federal Credit Union 3000 W Magnolia Blvd, Burbank, CA 91505 3043 A+5.0 ★Texas Ratio: 2.74%	Conventional, Jumbo	1	0.1%	100%	$1,465,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	100%	$1,095,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo	1	0.1%	100%	$1,295,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo	1	0.1%	100%	$1,405,000	View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	Conventional	1	0.1%	100%	$935,000
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +12 HELOCs	0%	0%		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +5 HELOCs	0%	0%		View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	HELOC	0 +3 HELOCs	0%	n/a		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +1 HELOCs	0%	n/a		View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	HELOC	0 +1 HELOCs	0%	n/a		View
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	HELOC	0 +1 HELOCs	0%	n/a		View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	HELOC	0 +1 HELOCs	0%	n/a		View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +1 HELOCs	0%	n/a		View
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	26 +4 HELOCs	3%	92.9%	$1,163,076
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	25	2.9%	92.6%	$829,800
loanDepot.com LLC	Conventional, Jumbo, HELOC	16 +2 HELOCs	1.9%	81%	$671,875
Nexera Holding LLC	Conventional, Jumbo	14	1.6%	87.5%	$1,364,285
Franklin Loan Corporation	Conventional, Jumbo	10	1.2%	100%	$930,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	8	0.9%	66.7%	$1,297,500
AmWest Funding Corp	Conventional, Jumbo, HELOC	5 +3 HELOCs	0.6%	100%	$815,000
Fundloans Capital	Conventional, Jumbo	5	0.6%	100%	$2,267,000
ClearEdge Lending LLC	Conventional, Jumbo	5	0.6%	83.3%	$933,000
Vista Point Mortgage, LLC	Conventional, Jumbo	5	0.6%	83.3%	$729,000
Kind Lending, LLC	Conventional	4	0.5%	80%	$507,500
Guild Mortgage Company	Conventional, Jumbo	4	0.5%	100%	$962,500
Stg Mortgage Inc	Conventional, Jumbo	4	0.5%	100%	$1,275,000
JSB Mortgage Corporation	Conventional, Jumbo	4	0.5%	100%	$1,807,500
Hometown Equity Mortgage, LLC	Conventional	4	0.5%	57.1%	$850,000
American Financial Network, Inc.	Conventional, Jumbo	3	0.4%	100%	$1,321,666
Flexpoint, Inc.	Conventional, VA, Jumbo	3	0.4%	100%	$1,715,000
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.4%	100%	$761,666
Nmsi, Inc.	Conventional, Jumbo	3	0.4%	100%	$1,401,666
Cake Mortgage Corp.	Conventional, Jumbo	3	0.4%	100%	$1,271,666
Cornerstone First Mortgage, LLC	Conventional	2	0.2%	100%	$470,000
MortgageOne, Inc	Conventional	2	0.2%	100%	$480,000
AAA Capital Investment, Inc	Conventional	2	0.2%	100%	$455,000
Golden Empire Mortgage, Inc.	Conventional	2	0.2%	100%	$885,000
Resicentral LLC	Conventional, VA	2	0.2%	100%	$450,000
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	2	0.2%	66.7%	$1,290,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	2	0.2%	80%	$1,245,000	View
San Diego Funding	Conventional	2	0.2%	100%	$630,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.2%	100%	$960,000
Carrington Mortgage Services LLC	Conventional, VA, Jumbo	2	0.2%	40%	$1,255,000
Plaza Home Mortgage, Inc	Conventional, Jumbo	2	0.2%	50%	$1,030,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$405,000
Monarch Funding Corp.	Conventional	1	0.1%	100%	$1,045,000
Augusta Financial, Inc.	Conventional, Jumbo	1	0.1%	100%	$905,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$805,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0.1%	100%	$1,405,000
Googain, Inc.	Conventional	1	0.1%	100%	$405,000
Residential First Capital	Conventional	1	0.1%	100%	$365,000
Ahl Funding	Conventional, Jumbo	1	0.1%	100%	$755,000
JMJ Financial Group Inc.	Conventional	1	0.1%	100%	$1,015,000
First Stardand Financial dba Nexcap Home Loans	Conventional	1	0.1%	100%	$925,000
Greenbox Loans	Conventional	1	0.1%	100%	$585,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$1,275,000
Land Home Financial Services,	FHA	1	0.1%	100%	$735,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	1	0.1%	100%	$1,315,000	View
Intelliloan, Inc.	FHA	1	0.1%	100%	$1,115,000
Provident Funding Associates	Conventional	1	0.1%	50%	$525,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$715,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$755,000
Banc One Mortage Corporation	Conventional, Jumbo	1	0.1%	100%	$1,265,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$515,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$605,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +6 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	100 +19 HELOCs	11.7%	92.7%	$939,900
Rocket Mortgage	Conventional, FHA, VA, Jumbo	93	10.9%	82.8%	$729,408
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, Jumbo, HELOC	22 +4 HELOCs	2.6%	85.7%	$1,031,363	View
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo, HELOC	16 +3 HELOCs	1.9%	100%	$1,033,125
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	12 +1 HELOCs	1.4%	92.9%	$1,667,500	View
The Loan Store, Inc	Conventional, Jumbo, HELOC	11 +7 HELOCs	1.3%	92.9%	$988,636
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	10	1.2%	90.9%	$2,945,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	10	1.2%	83.3%	$1,154,000	View
Logan Finance Corporation	Conventional, Jumbo	10	1.2%	100%	$1,670,000
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	9 +1 HELOCs	1.1%	100%	$1,259,444
Newrez LLC	Conventional, VA, Jumbo	9	1.1%	75%	$902,777
Primelending	Conventional	6	0.7%	100%	$596,666
Nationstar Mortgage	Conventional	6	0.7%	66.7%	$355,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	5	0.6%	100%	$1,527,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	4 +8 HELOCs	0.5%	57.1%	$457,500
Spring Eq, LLC	Conventional, HELOC	4 +7 HELOCs	0.5%	27.8%	$165,000
Originpoint, LLC	Conventional, Jumbo	4	0.5%	100%	$1,272,500
Nations Direct Mortgage, LLC	Conventional, Jumbo	4	0.5%	80%	$915,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0.5%	100%	$1,055,000	View
Better Mortgage Corporation	Conventional, HELOC	3 +2 HELOCs	0.4%	60%	$848,333
Arc Home LLC	Conventional, Jumbo	3	0.4%	75%	$1,871,666
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	3	0.4%	100%	$1,031,666
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	3	0.4%	100%	$1,468,333
Ameritrust Mortgage Corporation	Conventional, Jumbo	3	0.4%	100%	$1,818,333
Planet Home Lending, LLC	Conventional, FHA, Jumbo	3	0.4%	100%	$958,333
Genisys Credit Union	Conventional, Jumbo	2	0.2%	100%	$1,825,000
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	2	0.2%	100%	$1,755,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.2%	100%	$1,380,000	View
American Financial Resources LLC	Conventional, FHA	2	0.2%	100%	$305,000
Movement Mortgage, LLC	Conventional	2	0.2%	100%	$835,000
Emporium Tpo LLC	Conventional, Jumbo	2	0.2%	100%	$1,185,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	2	0.2%	100%	$265,000	View
Nqm Funding, LLC	Conventional	2	0.2%	75%	$960,000
First Colony Mortgage Corporat	Conventional	2	0.2%	75%	$960,000
Luxury Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$1,370,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$1,205,000
Champions Funding, LLC	Conventional	2	0.2%	66.7%	$530,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +13 HELOCs	0.1%	50%	$305,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$305,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,655,000	View
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,515,000
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$555,000	View
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$1,145,000
Central Bank A+5.0 ★Texas Ratio: 2.72%	Conventional	1	0.1%	100%	$525,000	View
Dart Bank	Conventional, Jumbo	1	0.1%	100%	$2,005,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$935,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$395,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	50%	$805,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$675,000
Discover Bank	Conventional	1	0.1%	33.3%	$305,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$1,205,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$205,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$935,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	1	0.1%	100%	$2,325,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$855,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional, Jumbo	1	0.1%	100%	$3,265,000
T2 Financial LLC	VA, Jumbo	1	0.1%	100%	$1,495,000
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0.1%	100%	$1,065,000	View
Union Savings Bank	Conventional, Jumbo	1	0.1%	100%	$1,525,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.1%	100%	$1,385,000	View
Financial Resources Federal Cr	Conventional	1	0.1%	100%	$695,000
Mortgage Research Center	VA, Jumbo	1	0.1%	100%	$2,025,000
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$835,000	View
V.I.P. Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,365,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$1,155,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$995,000
Summit Mortgage Corporation A5.0 ★Texas Ratio: 6.67%	Conventional, Jumbo	1	0.1%	100%	$2,105,000	View
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$375,000
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$1,845,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$335,000	View
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$705,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$595,000	View
Village Capital & Investment	VA	1	0.1%	100%	$1,055,000
HomeBridge Financial Services, Inc	HELOC	0 +9 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	0%
Fourleaf Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +3 HELOCs	0%	n/a		View
Boeing Employees' Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Teachers Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Communityamerica Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union A+5.0 ★Texas Ratio: 2.07%	HELOC	0 +1 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

San Clemente Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in San Clemente, California

Looking for mortgage lenders near me or mortgage brokers near me in San Clemente? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Clemente in 2025, with lenders based there listed first.

Types of Mortgage Lenders in San Clemente, CA

Use these to narrow the list above. Each category shows how many San Clemente, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 44 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 13 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 13 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 87 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 92 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Clemente, CA

Independent mortgage companies closed 64.7 percent of home loans in San Clemente, California in 2025, banks 27.4 percent and credit unions 8 percent. Change Lending 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 13 loans.

64.7%

Mortgage companies

27.4%

Banks

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in San Clemente, CA

Who is the largest mortgage lender in San Clemente, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in San Clemente, California with 52 loans, about 6.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in San Clemente, CA have the highest approval rates?

Among lenders with meaningful volume in San Clemente, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.7 percent, against a 85.7 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.

Which San Clemente, CA mortgage lenders offer FHA, VA and USDA loans?

13 lenders closed FHA loans in San Clemente, California in 2025, led by United Wholesale Mortgage with 6. 13 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.

Are credit unions and local banks included in this San Clemente, CA lender list?

Yes. 53 banks and 44 credit unions closed home loans in San Clemente, 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.

How are mortgage lenders in San Clemente, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in San Clemente, 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 Clemente, 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 Clemente. 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.