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Mortgage Lenders and Brokers in San Marcos, California

Content reviewed by

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

San Marcos, California mortgage lenders include US Bank, N.A.US Bank, N.A.306 S Twin Oaks Valley Rd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA348 S Twin Oaks Valley Rd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1000 W San Marcos Blvd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA336 S Twin Oaks Valley Rd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 4.14%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.978 W San Marcos Blvd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 3.72%, Citibank, NACitibank, NA740 S Rancho Santa Fe Rd, San Marcos, CA 92078A+5.0 ★Texas Ratio: 2.82%, Mechanics BankMechanics Bank277 Rancheros Dr, San Marcos, CA 92069A+5.0 ★Texas Ratio: 1.81%, Mission Federal Credit UnionMission Federal Credit Union117 S Las Posas Rd, San Marcos, CA 92078 2419A+5.0 ★Texas Ratio: 0.79%, California Credit UnionCalifornia Credit Union633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973A+5.0 ★Texas Ratio: 2.90%, and California Coast Credit UnionCalifornia Coast Credit Union140 Knoll Rd, San Marcos, CA 92069A+5.0 ★Texas Ratio: 1.25%. 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 Marcos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Marcos 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 Marcos, California

Market share is the lender's share of all home loans closed in San Marcos, 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. 2 offices in San Marcos 306 S Twin Oaks Valley Rd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	54 +27 HELOCs	4.2%	82.4%	$718,703	View
JPMorgan Chase Bank, NA 1 office in San Marcos 348 S Twin Oaks Valley Rd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	28 +3 HELOCs	2.2%	93.5%	$1,039,642	View
Wells Fargo Bank NA 1 office in San Marcos 1000 W San Marcos Blvd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	18	1.4%	72%	$895,000	View
Bank of America NA 1 office in San Marcos 336 S Twin Oaks Valley Rd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	12 +30 HELOCs	0.9%	75%	$660,833	View
Zions Bancorporation, N.A. 1 office in San Marcos 978 W San Marcos Blvd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	7 +7 HELOCs	0.5%	100%	$745,000	View
Citibank, NA 1 office in San Marcos 740 S Rancho Santa Fe Rd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.3%	80%	$1,170,000	View
Mechanics Bank 1 office in San Marcos 277 Rancheros Dr, San Marcos, CA 92069 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo	2	0.2%	100%	$1,325,000	View
Mission Federal Credit Union 117 S Las Posas Rd, San Marcos, CA 92078 2419 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	34 +48 HELOCs	2.7%	94.7%	$783,823	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo, HELOC	17 +5 HELOCs	1.3%	90%	$963,235	View
California Coast Credit Union 140 Knoll Rd, San Marcos, CA 92069 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	16 +23 HELOCs	1.3%	89.5%	$116,250	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	13 +14 HELOCs	1%	92.9%	$398,846	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional	8	0.6%	100%	$573,750	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	8	0.6%	100%	$862,500	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.5%	58.3%	$176,428	View
San Diego County Credit Union 790 W San Marcos Blvd, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	6 +6 HELOCs	0.5%	77.8%	$251,666	View
Frontwave Credit Union 670 W San Marcos Blvd Ste 101, San Marcos, CA 92078 A+5.0 ★Texas Ratio: 5.74%	Conventional, HELOC	6 +5 HELOCs	0.5%	63.6%	$223,333	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	6	0.5%	85.7%	$668,333	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	3 +11 HELOCs	0.2%	75%	$628,333	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, Jumbo, HELOC	3 +2 HELOCs	0.2%	60%	$855,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, VA, Jumbo, HELOC	3 +1 HELOCs	0.2%	75%	$998,333	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	3	0.2%	100%	$198,333	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	3	0.2%	100%	$211,666	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$1,100,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	2	0.2%	100%	$375,000
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	2	0.2%	100%	$505,000	View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	Conventional	2	0.2%	100%	$620,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$125,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0.1%	100%	$505,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$815,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	1	0.1%	100%	$1,785,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	1	0.1%	100%	$105,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$35,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$945,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$315,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.1%	100%	$1,365,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	100%	$405,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	50%	$405,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0.1%	100%	$965,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$285,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, Jumbo	1	0.1%	100%	$1,205,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	HELOC	0 +4 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +3 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +2 HELOCs	0%	n/a		View
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 +2 HELOCs	0%	n/a		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +2 HELOCs	0%	n/a		View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	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
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a		View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	HELOC	0 +1 HELOCs	0%	n/a		View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	48 +2 HELOCs	3.8%	84.2%	$540,625
Pennymac Loan Services LLC	Conventional, VA, Jumbo	35	2.7%	76.6%	$657,000
Kind Lending, LLC	Conventional, FHA, Jumbo	10	0.8%	61.1%	$667,000
AmWest Funding Corp	Conventional, HELOC	9 +2 HELOCs	0.7%	100%	$610,555
Zillow Home Loans, LLC	Conventional, FHA, VA	9	0.7%	100%	$662,777
Nexera Holding LLC	Conventional, Jumbo	8	0.6%	100%	$630,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, VA	7	0.5%	80%	$732,142	View
New American Funding, LLC.	Conventional, VA, HELOC	6 +2 HELOCs	0.5%	100%	$631,666
MortgageOne, Inc	Conventional, FHA, VA, Jumbo	6	0.5%	100%	$963,333
Guild Mortgage Company	Conventional, VA, Jumbo	6	0.5%	66.7%	$816,666
Googain, Inc.	Conventional	6	0.5%	100%	$681,666
General Mortgage Capital Corporation	Conventional	5	0.4%	100%	$559,000
Paramount Residential Mortgage	Conventional, FHA, Jumbo	5	0.4%	100%	$621,000
American Heritage Lending, LLC	Conventional, Jumbo	4	0.3%	100%	$840,000
Fundloans Capital	Conventional, Jumbo	3	0.2%	100%	$661,666
AAA Capital Investment, Inc	Conventional	3	0.2%	100%	$508,333
Golden Empire Mortgage, Inc.	Conventional, FHA	3	0.2%	100%	$508,333
New Wave Lending Group Inc	Conventional	3	0.2%	100%	$508,333
Stg Mortgage Inc	Conventional, FHA	3	0.2%	80%	$831,666
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.2%	100%	$671,666
Citadel Servicing Corporation	Conventional, Jumbo	3	0.2%	100%	$841,666
ClearEdge Lending LLC	Conventional, Jumbo	3	0.2%	100%	$1,451,666
Nmsi, Inc.	Conventional	3	0.2%	100%	$771,666
Cornerstone First Mortgage, LLC	Conventional	2	0.2%	100%	$885,000
Alameda Mortgage Corporation	Conventional, FHA, Jumbo	2	0.2%	100%	$1,285,000
Residential Wholesale Mortgage	Conventional	2	0.2%	100%	$895,000
Resicentral LLC	Conventional	2	0.2%	100%	$700,000
Bay-Valley Mortgage Group	Conventional	2	0.2%	100%	$605,000
JMJ Financial Group Inc.	Conventional	2	0.2%	100%	$555,000
Victoria Financial Corp	Conventional	2	0.2%	100%	$960,000
Network Capital Funding Corporation	Conventional	2	0.2%	100%	$695,000
First Nations Home Finance Corporation	Conventional	2	0.2%	100%	$475,000
Calcon Mutual Mortgage LLC	Conventional	2	0.2%	100%	$390,000
Hometown Equity Mortgage, LLC	Conventional	2	0.2%	50%	$730,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$1,005,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.2%	100%	$620,000
Plaza Home Mortgage, Inc	Conventional	2	0.2%	100%	$380,000
JMAC Lending, Inc.	Conventional	2	0.2%	100%	$695,000
Watermark Capital, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,155,000
Pacific Lending LLC	VA	1	0.1%	100%	$365,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	50%	$465,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	33.3%	$165,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$225,000
AdvantageFirst Lending Inc	VA	1	0.1%	100%	$785,000
Catalyst Mortgage	Conventional	1	0.1%	100%	$575,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0.1%	100%	$1,415,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	33.3%	$1,055,000
Ahl Funding	Conventional, Jumbo	1	0.1%	100%	$1,745,000
Ez Fundings Inc	FHA	1	0.1%	100%	$995,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$505,000
Land Home Financial Services,	FHA	1	0.1%	100%	$195,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$515,000
Provident Funding Associates	Conventional	1	0.1%	33.3%	$355,000
Franklin Loan Corporation	Conventional	1	0.1%	100%	$355,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$1,165,000
Ardri LLC	Conventional	1	0.1%	100%	$605,000
Southland Credit Uniom	Conventional	1	0.1%	100%	$365,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	33.3%	$355,000
Cake Mortgage Corp.	Conventional	1	0.1%	50%	$1,025,000
Figure Lending LLC	HELOC	0 +29 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	181 +33 HELOCs	14.2%	85.4%	$708,646
Rocket Mortgage	Conventional, FHA, VA, Jumbo	142	11.1%	79.9%	$518,732
Lennar Mortgage, LLC	Conventional, FHA, VA	82	6.4%	94.3%	$692,195
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo, HELOC	29 +2 HELOCs	2.3%	100%	$797,758
The Loan Store, Inc	Conventional, Jumbo, HELOC	25 +7 HELOCs	2%	93.8%	$592,600
Newrez LLC	Conventional, VA, Jumbo	25	2%	90.3%	$550,600
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	19 +26 HELOCs	1.5%	77.8%	$341,842
Fairway Independent Mort Corp	Conventional, FHA, VA	14	1.1%	87.5%	$677,142
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, Jumbo, HELOC	12 +2 HELOCs	0.9%	100%	$711,666	View
Shea Mortgage Inc.	Conventional	12	0.9%	92.3%	$643,333
Nationstar Mortgage	Conventional, VA	12	0.9%	76.5%	$206,666
Spring Eq, LLC	Conventional, HELOC	10 +7 HELOCs	0.8%	39.3%	$143,000
Better Mortgage Corporation	Conventional, Jumbo, HELOC	9 +4 HELOCs	0.7%	69.2%	$612,777
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo, HELOC	9 +1 HELOCs	0.7%	100%	$896,111
Freedom Mortgage Corporation	Conventional, VA, Jumbo	8	0.6%	88.9%	$618,750
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo	8	0.6%	100%	$780,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	8	0.6%	88.9%	$920,000	View
Guaranteed Rate Affinity, LLC	Conventional, HELOC	7 +1 HELOCs	0.5%	100%	$416,428
Originpoint, LLC	Conventional, VA	6	0.5%	85.7%	$650,000
Triad Financial Services, Inc.	Conventional	6	0.5%	55.6%	$276,666
Deephaven Mortgage LLC	Conventional, Jumbo	6	0.5%	66.7%	$660,000
Intercap Lending Inc	Conventional	6	0.5%	100%	$578,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +9 HELOCs	0.4%	71.4%	$109,000	View
Credit Human Federal Credit Un	Conventional	5	0.4%	66.7%	$125,000
Primelending	Conventional	4	0.3%	80%	$512,500
Amerisave Mortgage Company	Conventional	4	0.3%	26.7%	$190,000
Bay Equity LLC	Conventional, VA	4	0.3%	100%	$430,000
Prosperity Home Mortgage, LLC	Conventional, Jumbo	4	0.3%	100%	$762,500
21St Mortgage	Conventional	4	0.3%	33.3%	$312,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.2%	75%	$825,000	View
NOVA Financial & Investment Corporation	Conventional, Jumbo	3	0.2%	75%	$925,000
Emporium Tpo LLC	Conventional	3	0.2%	100%	$458,333
Clm Mortgage, Inc	Conventional	3	0.2%	100%	$805,000
Union Home Mortgage Corp.	Conventional	3	0.2%	100%	$718,333
First Colony Mortgage Corporat	Conventional, FHA	3	0.2%	75%	$665,000
Planet Home Lending, LLC	Conventional, FHA, VA	3	0.2%	75%	$638,333
Mortgage Research Center	Conventional, VA	3	0.2%	60%	$751,666
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.2%	100%	$1,338,333	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	3	0.2%	100%	$751,666	View
Alliant Credit Union	Conventional, Jumbo, HELOC	2 +8 HELOCs	0.2%	100%	$1,250,000
Teachers Federal Credit Union	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$1,345,000
Lakeview Loan Servicing, LLC	Conventional	2	0.2%	21.4%	$90,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$575,000
Nbkc Bank	Conventional	2	0.2%	100%	$530,000
Equity Prime Mortgage LLC	FHA	2	0.2%	100%	$415,000
Guidance Residential, LLC	Conventional	2	0.2%	100%	$680,000
PHH Mortgage Corporation	Conventional	2	0.2%	100%	$660,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.2%	100%	$535,000	View
Discover Bank	Conventional	2	0.2%	25%	$95,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.2%	100%	$685,000
Mutual of Omaha Mortgage	Conventional	2	0.2%	50%	$670,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$765,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +6 HELOCs	0.1%	50%	$555,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$605,000
Everett Financial, Inc.	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$715,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	33.3%	$1,985,000
Kbhs Home Loans, LLC	Conventional	1	0.1%	100%	$885,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$275,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$585,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$645,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$225,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$665,000	View
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$525,000
Clearview Federal Credit Union	Conventional	1	0.1%	100%	$25,000
Real Genius LLC	Conventional	1	0.1%	50%	$655,000
Homeowners Financial Group, LLC	FHA	1	0.1%	100%	$925,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$625,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$975,000	View
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$435,000
Starboard Financial Management, LLC	Conventional	1	0.1%	100%	$265,000
Boeing Employees' Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,265,000
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0.1%	100%	$955,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$455,000	View
Logan Finance Corporation	Conventional	1	0.1%	100%	$945,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0.1%	100%	$1,645,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$465,000
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$565,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$1,005,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	VA	1	0.1%	100%	$875,000	View
Champions Funding, LLC	Conventional	1	0.1%	33.3%	$445,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$155,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +12 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +5 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +3 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	0%		View
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View

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 Marcos 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 Marcos, California

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

Types of Mortgage Lenders in San Marcos, CA

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

Mortgage companies and brokers 123 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 38 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 26 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 29 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 54 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 102 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Marcos, CA

Independent mortgage companies closed 74.3 percent of home loans in San Marcos, California in 2025, banks 14.8 percent and credit unions 10.9 percent. Point Mortgage Corp was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 12 loans.

74.3%

Mortgage companies

14.8%

Banks

10.9%

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 Marcos, CA

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

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in San Marcos, California with 54 loans, about 4.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in San Marcos, California, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 94.3 percent, against a 82.4 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 Marcos, CA mortgage lenders offer FHA, VA and USDA loans?

26 lenders closed FHA loans in San Marcos, California in 2025, led by United Wholesale Mortgage with 15. 29 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 Marcos, CA lender list?

Yes. 44 banks and 38 credit unions closed home loans in San Marcos, California in 2025, alongside 123 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 Marcos, CA ranked on this page?

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