Mortgage Lenders and Brokers in Solana Beach, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Solana Beach, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA607 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA245 Santa Helena, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA740 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA943 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 4.14%, City National BankCity National Bank937 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 5.55%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust706 Lomas Santa Fe Dr, Solana Beach, CA 92075A5.0 ★Texas Ratio: 7.72%, US Bank, N.A.US Bank, N.A.969 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 2.85%, Mission Federal Credit UnionMission Federal Credit Union953 Lomas Santa Fe Dr, Solana Beach, CA 92075A+5.0 ★Texas Ratio: 0.79%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. 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 Solana Beach, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Solana Beach 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 Solana Beach, California
Market share is the lender's share of all home loans closed in Solana Beach, 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 |
|---|---|---|---|---|---|---|
|
1 office in Solana Beach 607 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 11 | 6.3% | 91.7% | $1,795,909 | View |
|
1 office in Solana Beach 245 Santa Helena, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 11 | 6.3% | 78.6% | $1,981,363 | View |
|
1 office in Solana Beach 740 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 5 | 2.9% | 100% | $3,427,000 | View |
|
1 office in Solana Beach 943 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 4 +7 HELOCs |
2.3% | 66.7% | $1,292,500 | View |
|
1 office in Solana Beach 937 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
1.1% | 100% | $1,335,000 | View |
|
1 office in Solana Beach 706 Lomas Santa Fe Dr, Solana Beach, CA 92075 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
969 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 10 +5 HELOCs |
5.7% | 76.9% | $1,303,000 | View |
|
953 Lomas Santa Fe Dr, Solana Beach, CA 92075 A+5.0 ★Texas Ratio: 0.79% |
Conventional, Jumbo, HELOC | 2 +10 HELOCs |
1.1% | 100% | $900,000 | View |
|
801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,330,000 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1.1% | 66.7% | $1,135,000 | View |
|
31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.6% | 50% | $2,205,000 | View |
|
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,795,000 | View |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 1 | 0.6% | 100% | $765,000 | View |
|
4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,895,000 | View |
|
1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,285,000 | View |
|
855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.6% | 50% | $1,605,000 | View |
|
225 N Beverly Dr, Beverly Hills, CA 90212 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.6% | 100% | $2,505,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 1 | 0.6% | 50% | $1,165,000 | View |
|
407 W Valley Blvd, Alhambra, CA 91803 A5.0 ★Texas Ratio: 7.31% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,865,000 | View |
|
677 Lomas Santa Fe Dr, Solana Beach, CA 92075 1412 A+5.0 ★Texas Ratio: 0.52% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
|
Conventional, Jumbo | 5 | 2.9% | 62.5% | $1,375,000 | |
Kind Lending, LLC
|
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.7% | 60% | $1,238,333 | |
Fundloans Capital
|
Conventional, Jumbo | 3 | 1.7% | 100% | $1,705,000 | |
Nexera Holding LLC
|
Conventional, Jumbo | 3 | 1.7% | 100% | $1,515,000 | |
AmWest Funding Corp
|
Conventional | 2 | 1.1% | 100% | $345,000 | |
HomeXpress Mortgage Corp.
|
Conventional | 2 | 1.1% | 100% | $965,000 | |
Lendsure Mortgage Corp.
|
Conventional, Jumbo | 2 | 1.1% | 100% | $805,000 | |
Cornerstone First Mortgage, LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,805,000 | |
Alameda Mortgage Corporation
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,455,000 | |
Residential Wholesale Mortgage
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,205,000 | |
Resicentral LLC
|
Conventional | 1 | 0.6% | 100% | $1,005,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,495,000 | View |
Redwood Residential Acquisition Corporation
|
Conventional | 1 | 0.6% | 100% | $405,000 | |
San Diego Funding
|
Conventional | 1 | 0.6% | 100% | $1,015,000 | |
Greenbox Loans
|
Conventional | 1 | 0.6% | 100% | $505,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.6% | 100% | $965,000 | |
Franklin Loan Corporation
|
Conventional | 1 | 0.6% | 100% | $805,000 | |
Citadel Servicing Corporation
|
Conventional | 1 | 0.6% | 100% | $1,025,000 | |
New American Funding, LLC.
|
Conventional | 1 | 0.6% | 50% | $105,000 | |
ClearEdge Lending LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $3,155,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.6% | 100% | $205,000 | |
JMAC Lending, Inc.
|
Conventional | 1 | 0.6% | 100% | $735,000 | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, FHA, Jumbo | 18 | 10.3% | 75% | $761,666 | |
United Wholesale Mortgage
|
Conventional, VA, Jumbo, HELOC | 8 +2 HELOCs |
4.6% | 72.7% | $721,250 | |
Guaranteed Rate, Inc.
|
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
3.4% | 100% | $1,336,666 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 5 | 2.9% | 100% | $759,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.7% | 100% | $1,305,000 | View |
CrossCountry Mortgage, LLC
|
Conventional, Jumbo | 3 | 1.7% | 100% | $1,261,666 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 1.7% | 100% | $741,666 | View |
The Loan Store, Inc
|
Conventional | 3 | 1.7% | 100% | $555,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, Jumbo | 3 | 1.7% | 100% | $1,465,000 | |
Spring Eq, LLC
|
Conventional | 3 | 1.7% | 75% | $185,000 | |
Alliant Credit Union
|
Conventional, Jumbo | 2 | 1.1% | 100% | $1,370,000 | |
Newrez LLC
|
Conventional | 2 | 1.1% | 66.7% | $960,000 | |
Fairway Independent Mort Corp
|
Conventional, Jumbo | 2 | 1.1% | 100% | $905,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 33.3% | $335,000 | |
Originpoint, LLC
|
Conventional | 1 | 0.6% | 100% | $895,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $865,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,285,000 | |
American Financial Resources LLC
|
Conventional | 1 | 0.6% | 100% | $235,000 | |
Everett Financial, Inc.
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,355,000 | |
Deephaven Mortgage LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,155,000 | |
Emporium Tpo LLC
|
Conventional | 1 | 0.6% | 100% | $605,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.6% | 100% | $1,005,000 | View |
Bay Equity LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,445,000 | |
Ameritrust Mortgage Corporation
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,415,000 | |
Peoples Mortgage Company
|
VA, Jumbo | 1 | 0.6% | 100% | $1,905,000 | |
|
A+5.0 ★Texas Ratio: 1.38% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,105,000 | View |
Nationstar Mortgage
|
Conventional | 1 | 0.6% | 100% | $155,000 | |
Better Mortgage Corporation
|
Conventional, Jumbo | 1 | 0.6% | 50% | $1,805,000 | |
Notre Dame Federal Credit Union
|
Conventional, Jumbo | 1 | 0.6% | 100% | $1,355,000 | |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.6% | 100% | $2,005,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,705,000 | View |
Tomo Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $805,000 | |
Champions Funding, LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $2,005,000 | |
Flyhomes Mortgage LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $665,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Oaktree Funding Corp
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Solana Beach 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 Solana Beach, California
Looking for mortgage lenders near me or mortgage brokers near me in Solana Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Solana Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Solana Beach, CA
Use these to narrow the list above. Each category shows how many Solana Beach, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Solana Beach, CA
Independent mortgage companies closed 58.3 percent of home loans in Solana Beach, California in 2025, banks 37.7 percent and credit unions 4 percent. Change Lending 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 4 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 Solana Beach, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Solana Beach, California with 11 loans, about 6.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Solana Beach, California in 2025, led by Rocket Mortgage with 1. 2 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.
Yes. 27 banks and 9 credit unions closed home loans in Solana Beach, California in 2025, alongside 49 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 Solana Beach, 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 Solana Beach, 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 Solana Beach. 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.
