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Mortgage Lenders and Brokers in Torrance, California

Content reviewed by

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

Torrance, California mortgage lenders include Citibank, NACitibank, NA2700 Pacific Coast Hwy, Torrance, CA 90505A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.990 W 190th St, Torrance, CA 90502A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA23220 Hawthorne Blvd, Torrance, CA 90505A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1305 Sepulveda Blvd, Torrance, CA 90501A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA4206 Pacific Coast Hwy, Torrance, CA 90505A+5.0 ★Texas Ratio: 4.14%, City National BankCity National Bank3424 W Carson St, Torrance, CA 90503A+5.0 ★Texas Ratio: 5.55%, BMO Harris Bank NABMO Harris Bank NA19191 S Vermont Ave, Torrance, CA 90502A+5.0 ★Texas Ratio: 3.54%, Woori America BankWoori America Bank2390 Crenshaw Blvd, Torrance, CA 90501A5.0 ★Texas Ratio: 11.01%, East West BankEast West Bank23737 Hawthorne Blvd, Torrance, CA 90505A+5.0 ★Texas Ratio: 2.84%, and Cathay BankCathay Bank23211 Hawthorne Blvd, Torrance, CA 90505A+5.0 ★Texas Ratio: 4.57%. 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 Torrance, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Torrance 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 Torrance, California

Market share is the lender's share of all home loans closed in Torrance, 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
Citibank, NA 2 offices in Torrance 2700 Pacific Coast Hwy, Torrance, CA 90505 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	71 +4 HELOCs	6.1%	100%	$1,151,619	View
US Bank, N.A. 4 offices in Torrance 990 W 190th St, Torrance, CA 90502 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	68 +23 HELOCs	5.8%	90.7%	$750,441	View
JPMorgan Chase Bank, NA 5 offices in Torrance 23220 Hawthorne Blvd, Torrance, CA 90505 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	49	4.2%	96.1%	$831,938	View
Wells Fargo Bank NA 4 offices in Torrance 1305 Sepulveda Blvd, Torrance, CA 90501 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	27	2.3%	81.8%	$1,094,629	View
Bank of America NA 3 offices in Torrance 4206 Pacific Coast Hwy, Torrance, CA 90505 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	18 +66 HELOCs	1.5%	94.7%	$1,100,555	View
City National Bank 1 office in Torrance 3424 W Carson St, Torrance, CA 90503 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	12 +3 HELOCs	1%	92.3%	$742,500	View
BMO Harris Bank NA 2 offices in Torrance 19191 S Vermont Ave, Torrance, CA 90502 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	8 +2 HELOCs	0.7%	88.9%	$1,068,750	View
Woori America Bank 1 office in Torrance 2390 Crenshaw Blvd, Torrance, CA 90501 A5.0 ★Texas Ratio: 11.01%	Conventional	3	0.3%	75%	$775,000	View
East West Bank 1 office in Torrance 23737 Hawthorne Blvd, Torrance, CA 90505 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	2 +5 HELOCs	0.2%	100%	$625,000	View
Cathay Bank 1 office in Torrance 23211 Hawthorne Blvd, Torrance, CA 90505 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	2	0.2%	100%	$1,330,000	View
Bank of Hope 1 office in Torrance 2424 Sepulveda Blvd, Torrance, CA 90501 A+5.0 ★Texas Ratio: 4.07%	Conventional	2	0.2%	100%	$705,000	View
Zions Bancorporation, N.A. 1 office in Torrance 21515 Hawthorne Blvd, Torrance, CA 90503 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	1 +6 HELOCs	0.1%	100%	$2,075,000	View
First Ciitizens Bank and Trust 1 office in Torrance 3422 W Carson St, Torrance, CA 90503 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$1,345,000	View
Citizens Business Bank, NA 1 office in Torrance 970 W 190th St, Torrance, CA 90502 A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$355,000	View
CTBC Bank USA 1 office in Torrance 21705 Hawthorne Blvd, Torrance, CA 90503 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	1	0.1%	100%	$1,315,000	View
Schoolsfirst FCU 21241 Hawthorne Blvd, Torrance, CA 90503 5501 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	23 +29 HELOCs	2%	82.8%	$538,478	View
Kinecta Federal Credit Union 24580 Crenshaw Blvd, Torrance, CA 90505 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	13 +58 HELOCs	1.1%	92.9%	$515,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.5%	100%	$1,216,666	View
California Credit Union 20016 HAWTHORNE BLVD, TORRANCE, CA 90503 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	4 +4 HELOCs	0.3%	71.4%	$660,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.3%	100%	$1,147,500	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	62.5%	$222,500	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, Jumbo, HELOC	3 +5 HELOCs	0.3%	100%	$1,151,666	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$790,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.2%	100%	$980,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.2%	100%	$750,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	2	0.2%	66.7%	$1,135,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	2	0.2%	100%	$95,000	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	2	0.2%	100%	$1,105,000	View
The First Financial Federal Credit Union 21503 Hawthorne Blvd, Torrance, CA 90503 A+5.0 ★Texas Ratio: 4.74%	Conventional	2	0.2%	100%	$85,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 4373 W 182nd ST, Torrance, CA 90504 A+5.0 ★Texas Ratio: 2.66%	Conventional, HELOC	1 +7 HELOCs	0.1%	50%	$205,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$5,005,000	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional	1	0.1%	100%	$1,075,000	View
Rize Federal Credit Union 12701 Schabarum Ave, Irwindale, CA 91706 A5.0 ★Texas Ratio: 6.24%	Conventional	1	0.1%	100%	$505,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	50%	$105,000	View
Open Bank 5141 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 6.54%	Conventional	1	0.1%	100%	$685,000	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%	$215,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$1,175,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$125,000	View
Enterprise Bank & Trust 407 W Valley Blvd, Alhambra, CA 91803 A5.0 ★Texas Ratio: 7.31%	Conventional	1	0.1%	100%	$1,165,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	HELOC	0 +4 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 +4 HELOCs	0%	n/a		View
Northrop Grumman Federal Credit Union 1100 W Hollyvale St, Azusa, CA 91702 3305 A5.0 ★Texas Ratio: 8.22%	HELOC	0 +3 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	HELOC	0 +1 HELOCs	0%	n/a		View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	HELOC	0 +1 HELOCs	0%	n/a		View
Nikkei Credit Union 146 W Carson St, Carson, CA 90745 2601 A5.0 ★Texas Ratio: 13.19%	HELOC	0 +1 HELOCs	0%	n/a		View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Foothill Federal Credit Union 250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	28	2.4%	87.5%	$823,214
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	20 +4 HELOCs	1.7%	83.3%	$589,000
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	18	1.5%	100%	$761,111
New American Funding, LLC.	Conventional, Jumbo, HELOC	15 +1 HELOCs	1.3%	100%	$634,333
Bay-Valley Mortgage Group	Conventional, HELOC	13 +1 HELOCs	1.1%	100%	$726,538
New Wave Lending Group Inc	Conventional, Jumbo	13	1.1%	100%	$877,307
AmWest Funding Corp	Conventional, FHA, HELOC	12 +2 HELOCs	1%	100%	$616,666
JSB Mortgage Corporation	Conventional	11	0.9%	100%	$434,090
Nmsi, Inc.	Conventional	10	0.9%	100%	$923,000
AAA Capital Investment, Inc	Conventional	8	0.7%	100%	$777,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	8	0.7%	90.9%	$792,500	View
ClearEdge Lending LLC	Conventional, Jumbo	8	0.7%	100%	$1,001,250
Kind Lending, LLC	Conventional, FHA	6	0.5%	85.7%	$743,333
Nexera Holding LLC	Conventional, Jumbo	6	0.5%	100%	$703,333
General Mortgage Capital Corporation	Conventional	5	0.4%	83.3%	$565,000
Mortgage Capital Partners, INC	Conventional, Jumbo	4	0.3%	100%	$892,500
Victoria Financial Corp	Conventional	4	0.3%	100%	$657,500
Paramount Residential Mortgage	Conventional	4	0.3%	80%	$847,500
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA, Jumbo	3	0.3%	75%	$985,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	3	0.3%	60%	$451,666
Guild Mortgage Company	Conventional, Jumbo	3	0.3%	100%	$1,231,666
Habitfactory USA Inc dba Loaning AI	Conventional	3	0.3%	100%	$581,666
Stg Mortgage Inc	Conventional	3	0.3%	100%	$885,000
Ony Glo, Inc.	Conventional	3	0.3%	100%	$498,333
T. J. Financial, Inc.	Conventional	3	0.3%	100%	$745,000
Zillow Home Loans, LLC	Conventional	3	0.3%	100%	$751,666
Plaza Home Mortgage, Inc	Conventional	3	0.3%	75%	$715,000
Fundloans Capital	Conventional	2	0.2%	100%	$230,000
MortgageOne, Inc	Conventional	2	0.2%	100%	$750,000
Watermark Capital, Inc.	Conventional	2	0.2%	100%	$970,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.2%	100%	$445,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$1,015,000
Ahl Funding	FHA	2	0.2%	100%	$885,000
Royal Pacific Funding	Conventional	2	0.2%	100%	$900,000
Flexpoint, Inc.	Conventional	2	0.2%	100%	$605,000
Hometown Equity Mortgage, LLC	Conventional	2	0.2%	50%	$310,000
Emet Lending Group, Inc.	Conventional	2	0.2%	100%	$660,000
Mission Loans, LLC	Conventional	2	0.2%	100%	$215,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	33.3%	$570,000
Vista Point Mortgage, LLC	Conventional	2	0.2%	66.7%	$315,000
Cake Mortgage Corp.	Conventional, Jumbo	2	0.2%	66.7%	$620,000
Greenbox Loans	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$405,000
Financial Partners Credit Unio	Conventional	1	0.1%	100%	$735,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$255,000
Golden Empire Mortgage, Inc.	VA	1	0.1%	100%	$805,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$715,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$1,725,000
Resicentral LLC	Conventional	1	0.1%	100%	$1,175,000
Bridgeway Lending Partners, LLC	Conventional, Jumbo	1	0.1%	100%	$1,305,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$1,125,000
Constant Investments, Inc	Conventional	1	0.1%	100%	$355,000
Winprime Lending	Conventional	1	0.1%	100%	$925,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$1,085,000
Googain, Inc.	Conventional	1	0.1%	100%	$795,000
Provident Funding Associates	Conventional	1	0.1%	100%	$545,000
Franklin Loan Corporation	Conventional	1	0.1%	100%	$265,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$965,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$925,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$1,785,000
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$725,000
Arcstone Financial Inc	Conventional	1	0.1%	100%	$965,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$655,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Southland Credit Uniom	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	148	12.7%	85.3%	$647,162
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	111 +24 HELOCs	9.5%	93.4%	$792,567
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	48 +2 HELOCs	4.1%	100%	$771,458
Newrez LLC	Conventional, FHA, VA	18	1.5%	69.2%	$562,777
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	13 +3 HELOCs	1.1%	93.3%	$851,153	View
Nationstar Mortgage	Conventional	12	1%	81.2%	$291,666
Spring Eq, LLC	Conventional, HELOC	10 +8 HELOCs	0.9%	38.5%	$206,000
21St Mortgage	Conventional	10	0.9%	38.5%	$117,000
Originpoint, LLC	Conventional, Jumbo	9	0.8%	100%	$956,111
Movement Mortgage, LLC	Conventional, HELOC	8 +1 HELOCs	0.7%	100%	$647,500
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	8	0.7%	88.9%	$801,250
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	8	0.7%	88.9%	$1,206,250	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +9 HELOCs	0.6%	87.5%	$353,571
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	7 +2 HELOCs	0.6%	100%	$1,055,000
Triad Financial Services, Inc.	Conventional	7	0.6%	76%	$210,714
Communityamerica Federal Credit Union	Conventional, HELOC	6 +4 HELOCs	0.5%	85.7%	$423,333
Freedom Mortgage Corporation	Conventional, VA	6	0.5%	100%	$601,666
First Colony Mortgage Corporat	Conventional	6	0.5%	87.5%	$498,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.4%	100%	$515,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	5	0.4%	71.4%	$1,037,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	5	0.4%	83.3%	$1,063,000	View
The Loan Store, Inc	Conventional, HELOC	4 +3 HELOCs	0.3%	100%	$740,000
Amerisave Mortgage Company	Conventional	4	0.3%	33.3%	$145,000
Nations Direct Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$900,000
Champions Funding, LLC	Conventional	4	0.3%	66.7%	$505,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +4 HELOCs	0.3%	75%	$715,000
Better Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.3%	75%	$578,333
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.3%	38.5%	$451,666
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	3	0.3%	100%	$1,011,666
Churchill Mortgage Corporation	Conventional	3	0.3%	100%	$798,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	3	0.3%	100%	$481,666	View
Mortgage Research Center	Conventional, VA, Jumbo	3	0.3%	60%	$918,333
Logan Finance Corporation	Conventional	3	0.3%	100%	$1,165,000
Angel Oak Mortgage Solutions LLC	Conventional	3	0.3%	100%	$328,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +8 HELOCs	0.2%	50%	$245,000	View
Digital Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$320,000
Nbkc Bank	Conventional, VA	2	0.2%	100%	$605,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	2	0.2%	100%	$960,000	View
Discover Bank	Conventional	2	0.2%	20%	$105,000
Union Home Mortgage Corp.	Conventional	2	0.2%	100%	$905,000
Foundation Mortgage Corporation	Conventional, Jumbo	2	0.2%	66.7%	$1,090,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo	2	0.2%	100%	$1,035,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.2%	66.7%	$1,605,000	View
Mutual of Omaha Mortgage	Conventional	2	0.2%	66.7%	$220,000
Alliant Credit Union	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$665,000
Quorum Federal Credit Union	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$235,000
Honda Federal Credit Union A+5.0 ★Texas Ratio: 2.74%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000	View
Teachers Federal Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,385,000
Arc Home LLC	Conventional	1	0.1%	100%	$865,000
Skyla Federal Credit Union A5.0 ★Texas Ratio: 9.56%	Conventional	1	0.1%	100%	$85,000
Primelending	Conventional	1	0.1%	100%	$695,000
Success Lending, LLC	Conventional	1	0.1%	100%	$575,000
Equity Prime Mortgage LLC	Conventional	1	0.1%	100%	$705,000
Dart Bank	Conventional, Jumbo	1	0.1%	100%	$1,485,000
Data Mortgage, Inc	Conventional	1	0.1%	100%	$495,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$1,085,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$1,045,000
American Financing Corporation	Conventional	1	0.1%	50%	$105,000
Securitynational Mortgage Company	Conventional	1	0.1%	50%	$1,205,000
Bay Equity LLC	Conventional	1	0.1%	100%	$605,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$415,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$305,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$525,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$1,205,000	View
Uif Corporation	Conventional	1	0.1%	100%	$635,000
Genway Home Mortgage, Inc.	Conventional, Jumbo	1	0.1%	50%	$1,265,000
Keystone Funding, Inc	VA	1	0.1%	100%	$665,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$885,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$555,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$975,000
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$1,025,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$805,000	View
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$2,885,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$995,000
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$1,125,000
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	0%
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +4 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Partners Federal Credit Union A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +3 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
American Airlines Federal Cred	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	0%
Nasa 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

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.

Torrance 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 Torrance, California

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

Types of Mortgage Lenders in Torrance, CA

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

Mortgage companies and brokers 117 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 14 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 15 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 50 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 103 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Torrance, CA

Independent mortgage companies closed 65.4 percent of home loans in Torrance, California in 2025, banks 27.8 percent and credit unions 6.8 percent. Change Lending was the largest mortgage company, Citibank, NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 18 loans.

65.4%

Mortgage companies

27.8%

Banks

6.8%

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 Torrance, CA

Who is the largest mortgage lender in Torrance, CA?

By home loans closed in 2025, Citibank, NA was the largest mortgage lender in Torrance, California with 71 loans, about 6.1 percent of the market. The largest lender headquartered in California was Bank of America NA with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Torrance, California, Citibank, NA approved the highest share of completed applications in 2025 at 100 percent, against a 86.2 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 Torrance, CA mortgage lenders offer FHA, VA and USDA loans?

14 lenders closed FHA loans in Torrance, California in 2025, led by United Wholesale Mortgage with 6. 15 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 Torrance, CA lender list?

Yes. 47 banks and 42 credit unions closed home loans in Torrance, California in 2025, alongside 117 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 Torrance, CA ranked on this page?

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