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Mortgage Lenders and Brokers in Santee, California

Content reviewed by

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

Santee, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA10 Town Center Pkwy, Santee, CA 92071A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.9760 Mission Gorge Rd, Santee, CA 92071A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA9771 Mission Gorge Rd, Santee, CA 92071A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA9711 Mission Gorge Rd, Santee, CA 92071A+5.0 ★Texas Ratio: 4.14%, Mission Federal Credit UnionMission Federal Credit Union245 Town Center Pkwy, Santee, CA 92071 5804A+5.0 ★Texas Ratio: 0.79%, San Diego County Credit UnionSan Diego County Credit Union286 Town Center Pkwy, Santee, CA 92071A+5.0 ★Texas Ratio: 0.52%, Sunwest BankSunwest Bank500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, California Coast Credit UnionCalifornia Coast Credit Union9808 Mission Gorge Rd Ste A, Santee, CA 92071A+5.0 ★Texas Ratio: 1.25%, Sun West Mortgage Company, IncSun West Mortgage Company, Inc500 N Brand Blvd, Glendale, CA 91203A+5.0 ★Texas Ratio: 5.17%, and Point Mortgage CorpPoint Mortgage Corp2610 El Camino Real Unit A, Carlsbad, CA 92008 1214A+5.0 ★Texas Ratio: 2.57%. 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 Santee, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santee 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 Santee, California

Market share is the lender's share of all home loans closed in Santee, 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
JPMorgan Chase Bank, NA 1 office in Santee 10 Town Center Pkwy, Santee, CA 92071 A+5.0 ★Texas Ratio: 3.68%	Conventional	24	2.3%	96%	$517,916	View
US Bank, N.A. 1 office in Santee 9760 Mission Gorge Rd, Santee, CA 92071 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	22 +8 HELOCs	2.1%	75%	$556,363	View
Wells Fargo Bank NA 1 office in Santee 9771 Mission Gorge Rd, Santee, CA 92071 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	6	0.6%	100%	$355,000	View
Bank of America NA 1 office in Santee 9711 Mission Gorge Rd, Santee, CA 92071 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +19 HELOCs	0.3%	100%	$361,666	View
Mission Federal Credit Union 245 Town Center Pkwy, Santee, CA 92071 5804 A+5.0 ★Texas Ratio: 0.79%	Conventional, HELOC	26 +54 HELOCs	2.5%	93.5%	$645,000	View
San Diego County Credit Union 286 Town Center Pkwy, Santee, CA 92071 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	11 +3 HELOCs	1.1%	75%	$162,272	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	10	1%	100%	$153,000	View
California Coast Credit Union 9808 Mission Gorge Rd Ste A, Santee, CA 92071 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	9 +32 HELOCs	0.9%	100%	$105,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	6	0.6%	100%	$701,666	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, VA	6	0.6%	100%	$538,333	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	6	0.6%	100%	$691,666	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	4 +14 HELOCs	0.4%	83.3%	$427,500	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	4 +3 HELOCs	0.4%	100%	$297,500	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, VA	4	0.4%	100%	$665,000
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$611,666	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$300,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	2 +1 HELOCs	0.2%	66.7%	$570,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	100%	$160,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$685,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$775,000	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,425,000	View
First Western Trust Bank 1901 Avenue Of The Stars, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0.1%	100%	$165,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$525,000	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%	50%	$55,000	View
First Commercial Bank (USA) 200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0.1%	100%	$665,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0.1%	100%	$355,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$295,000	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	HELOC	0 +5 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
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
American First Credit Union 6 Pointe Dr Ste 400, Brea, CA 92821 6322 A+5.0 ★Texas Ratio: 1.26%	HELOC	0 +1 HELOCs	0%	n/a		View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	HELOC	0 +1 HELOCs	0%	n/a
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
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	HELOC	0 +1 HELOCs	0%	0%		View
Pennymac Loan Services LLC	Conventional, FHA, VA	46	4.4%	85%	$587,608
loanDepot.com LLC	Conventional, FHA, VA, HELOC	36 +3 HELOCs	3.5%	92.3%	$460,555
Resicentral LLC	Conventional, FHA, VA	11	1.1%	100%	$671,363
Guild Mortgage Company	Conventional, VA	10	1%	100%	$442,000
AmWest Funding Corp	Conventional, FHA	8	0.8%	88.9%	$610,000
Paramount Residential Mortgage	Conventional, FHA	7	0.7%	100%	$693,571
Residential Wholesale Mortgage	Conventional, FHA, VA	6	0.6%	100%	$646,666
Zillow Home Loans, LLC	Conventional, FHA, VA, Jumbo	6	0.6%	100%	$658,333
New American Funding, LLC.	Conventional	6	0.6%	85.7%	$453,333
Kind Lending, LLC	Conventional, FHA	5	0.5%	62.5%	$401,000
ML Mortgage Corp.	Conventional	4	0.4%	100%	$625,000
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	4	0.4%	100%	$690,000
MortgageOne, Inc	Conventional, VA	4	0.4%	66.7%	$602,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	4	0.4%	100%	$462,500	View
Stg Mortgage Inc	Conventional, FHA	4	0.4%	100%	$637,500
American Pacific Mortgage Corporation	Conventional, FHA	4	0.4%	100%	$717,500
Nmsi, Inc.	Conventional	4	0.4%	100%	$535,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	4	0.4%	100%	$380,000
AdvantageFirst Lending Inc	FHA	3	0.3%	75%	$611,666
San Diego Funding	Conventional, VA	3	0.3%	100%	$818,333
Franklin Loan Corporation	Conventional	3	0.3%	100%	$418,333
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.2%	100%	$720,000
JMJ Financial Group Inc.	VA	2	0.2%	100%	$600,000
Flexpoint, Inc.	Conventional	2	0.2%	100%	$380,000
Provident Funding Associates	Conventional	2	0.2%	100%	$610,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.2%	50%	$570,000
Nexera Holding LLC	Conventional	2	0.2%	100%	$395,000
Carrington Mortgage Services LLC	Conventional, VA	2	0.2%	22.2%	$265,000
Vista Point Mortgage, LLC	Conventional	2	0.2%	100%	$415,000
JMAC Lending, Inc.	FHA, VA	2	0.2%	100%	$840,000
Goodleap, LLC	VA, HELOC	1 +3 HELOCs	0.1%	50%	$455,000
Fundloans Capital	Conventional	1	0.1%	100%	$885,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$775,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$455,000
Pacific Lending LLC	VA	1	0.1%	100%	$655,000
Golden Empire Mortgage, Inc.	FHA	1	0.1%	100%	$775,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$485,000
American Financial Network, Inc.	VA	1	0.1%	50%	$585,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$535,000
Coast 2 Coast Funding Group, Inc	Conventional	1	0.1%	100%	$675,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$715,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$665,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	25%	$745,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$705,000
Mission Loans, LLC	Conventional	1	0.1%	50%	$595,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	155 +18 HELOCs	14.9%	83.9%	$632,225
Rocket Mortgage	Conventional, FHA, VA, Jumbo	143	13.8%	86.5%	$485,909
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	36 +37 HELOCs	3.5%	62.1%	$231,944
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	29 +2 HELOCs	2.8%	93.8%	$645,344
Newrez LLC	Conventional, FHA, VA	26	2.5%	92.9%	$522,307
The Loan Store, Inc	Conventional, FHA, VA, HELOC	23 +9 HELOCs	2.2%	96.2%	$611,956
Spring Eq, LLC	Conventional, HELOC	19 +10 HELOCs	1.8%	56.8%	$121,842
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	18 +1 HELOCs	1.7%	100%	$683,333	View
Fairway Independent Mort Corp	Conventional, FHA, VA, HELOC	17 +1 HELOCs	1.6%	100%	$566,764
Mortgage Research Center	Conventional, VA	14	1.3%	83.3%	$587,142
Kbhs Home Loans, LLC	Conventional, FHA, VA	11	1.1%	91.7%	$655,909
Better Mortgage Corporation	Conventional	10	1%	78.6%	$499,000
Freedom Mortgage Corporation	FHA, VA	9	0.9%	84.6%	$548,333
Lennar Mortgage, LLC	Conventional, VA	8	0.8%	88.9%	$808,750
Credit Human Federal Credit Un	Conventional	8	0.8%	60%	$200,000
Triad Financial Services, Inc.	Conventional	7	0.7%	79.3%	$253,571
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo	6	0.6%	100%	$751,666
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.6%	45%	$485,000
Movement Mortgage, LLC	Conventional, VA	6	0.6%	100%	$578,333
Bay Equity LLC	Conventional, FHA, VA	6	0.6%	100%	$690,000
Primelending	Conventional, VA	5	0.5%	100%	$571,000
Amerisave Mortgage Company	Conventional	5	0.5%	50%	$97,000
Nationstar Mortgage	Conventional, FHA, VA	5	0.5%	41.7%	$277,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.4%	100%	$562,500	View
Discover Bank	Conventional	4	0.4%	41.7%	$110,000
21St Mortgage	Conventional	4	0.4%	33.3%	$172,500
Ark-La-Tex Financial Services LLC	Conventional	4	0.4%	100%	$410,000
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	3 +7 HELOCs	0.3%	75%	$588,333
American Financial Resources LLC	Conventional, FHA, VA	3	0.3%	100%	$708,333
Loanunited.Com, LLC	FHA, VA	3	0.3%	100%	$715,000
Deephaven Mortgage LLC	Conventional	3	0.3%	60%	$501,666
Nqm Funding, LLC	Conventional, FHA	3	0.3%	100%	$611,666
Union Home Mortgage Corp.	Conventional	3	0.3%	100%	$551,666
First Colony Mortgage Corporat	Conventional, VA	3	0.3%	100%	$608,333
Homeowners Financial Group, LLC	Conventional	3	0.3%	100%	$428,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	3	0.3%	100%	$591,666	View
Mutual of Omaha Mortgage	Conventional, VA	3	0.3%	75%	$711,666
Originpoint, LLC	Conventional	2	0.2%	100%	$795,000
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	Conventional	2	0.2%	100%	$280,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.2%	100%	$585,000	View
Equity Prime Mortgage LLC	FHA, VA	2	0.2%	100%	$655,000
PHH Mortgage Corporation	Conventional, VA	2	0.2%	100%	$840,000
Planet Home Lending, LLC	FHA	2	0.2%	100%	$790,000
Mortgage Solutions of Colorado	VA	2	0.2%	100%	$885,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.2%	100%	$425,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	2	0.2%	100%	$540,000	View
Village Capital & Investment	VA	2	0.2%	50%	$575,000
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$215,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$435,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$615,000
Arc Home LLC	Conventional	1	0.1%	100%	$765,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$545,000
Nbkc Bank	Conventional	1	0.1%	50%	$365,000
Dart Bank	Conventional	1	0.1%	100%	$805,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$305,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$485,000	View
Emporium Tpo LLC	Conventional	1	0.1%	100%	$805,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	FHA	1	0.1%	50%	$765,000	View
Obsidian Financial Services	VA	1	0.1%	100%	$835,000
Intercap Lending Inc	Conventional	1	0.1%	100%	$655,000
Click n' Close, Inc.	FHA	1	0.1%	100%	$625,000
Cardinal Financial Company, Li	FHA	1	0.1%	50%	$865,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$755,000
Mortgage Express	Conventional	1	0.1%	100%	$635,000
New Day Financial, LLC.	VA	1	0.1%	25%	$465,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	50%	$755,000	View
Peoples Mortgage Company	Conventional	1	0.1%	100%	$445,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$325,000	View
Evolve Bank & Trust	Conventional	1	0.1%	100%	$315,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$765,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$655,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$695,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$175,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +6 HELOCs	0%	0%		View
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Eastman Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Santee 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 Santee, California

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

Types of Mortgage Lenders in Santee, CA

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

Mortgage companies and brokers 105 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 38 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 54 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 7 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 71 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Santee, CA

Independent mortgage companies closed 79.7 percent of home loans in Santee, California in 2025, banks 10.3 percent and credit unions 10 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 3 loans.

79.7%

Mortgage companies

10.3%

Banks

10%

Credit unions

FHA loans

19%

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 Santee, CA

Who is the largest mortgage lender in Santee, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Santee, California with 24 loans, about 2.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Santee, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 86.5 percent, against a 82.9 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.

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

38 lenders closed FHA loans in Santee, California in 2025, led by United Wholesale Mortgage with 24. 54 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.

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

Yes. 37 banks and 24 credit unions closed home loans in Santee, California in 2025, alongside 105 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 Santee, CA ranked on this page?

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