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Mortgage Lenders and Brokers in Vista, California

Content reviewed by

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

Vista, California mortgage lenders include US Bank, N.A.US Bank, N.A.1301 E Vista Way, Vista, CA 92084A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA985 E Vista Way, Vista, CA 92084A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1150 E Vista Way, Vista, CA 92084A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA330 S Santa Fe Ave, Vista, CA 92084A+5.0 ★Texas Ratio: 4.14%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, PNC Bank N.A.PNC Bank N.A.961 S Santa Fe Ave, Vista, CA 92083A+5.0 ★Texas Ratio: 4.24%, Frontwave Credit UnionFrontwave Credit Union995 Armory Rd, Barstow, CA 92311A+5.0 ★Texas Ratio: 5.74%, Mission Federal Credit UnionMission Federal Credit Union985 Civic Center Dr Ste 106, Vista, CA 92083A+5.0 ★Texas Ratio: 0.79%, California Coast Credit UnionCalifornia Coast Credit Union386 E H St Ste 213, Chula Vista, CA 91910 7487A+5.0 ★Texas Ratio: 1.25%, and Schoolsfirst FCUSchoolsfirst FCU590 N Euclid St, Anaheim, CA 92801A+5.0 ★Texas Ratio: 5.56%. 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 Vista, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vista 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 Vista, California

Market share is the lender's share of all home loans closed in Vista, 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 Vista 1301 E Vista Way, Vista, CA 92084 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	26 +17 HELOCs	2.5%	77.1%	$522,692	View
JPMorgan Chase Bank, NA 2 offices in Vista 985 E Vista Way, Vista, CA 92084 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	24 +1 HELOCs	2.3%	86.7%	$610,416	View
Wells Fargo Bank NA 1 office in Vista 1150 E Vista Way, Vista, CA 92084 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.9%	69.2%	$416,111	View
Bank of America NA 2 offices in Vista 330 S Santa Fe Ave, Vista, CA 92084 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +18 HELOCs	0.4%	100%	$645,000	View
Zions Bancorporation, N.A. 1 office in Vista 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +9 HELOCs	0.1%	66.7%	$915,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Vista 961 S Santa Fe Ave, Vista, CA 92083 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +12 HELOCs	0%	n/a		View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, VA, HELOC	15 +6 HELOCs	1.4%	80%	$241,000	View
Mission Federal Credit Union 985 Civic Center Dr Ste 106, Vista, CA 92083 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	13 +60 HELOCs	1.3%	87.5%	$708,846	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	8 +27 HELOCs	0.8%	88.9%	$115,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	8 +14 HELOCs	0.8%	100%	$233,750	View
San Diego County Credit Union 1475 W Vista Way, Vista, CA 92083 A+5.0 ★Texas Ratio: 0.52%	Conventional, HELOC	8 +10 HELOCs	0.8%	72.7%	$120,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional	7	0.7%	87.5%	$782,142	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, VA	7	0.7%	87.5%	$472,142
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo	5	0.5%	83.3%	$807,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, HELOC	4 +4 HELOCs	0.4%	100%	$575,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional	4	0.4%	100%	$532,500	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.4%	57.1%	$292,500	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$561,666	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	100%	$761,666	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$371,666	View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	66.7%	$1,030,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.2%	80%	$550,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$425,000	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%	$995,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$1,005,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$275,000	View
Sesloc Credit Union 1399 E Grand Ave, Arroyo Grande, CA 93420 2421	Conventional	1	0.1%	50%	$535,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$415,000	View
Caltech Employees Federal Credit Union 528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08%	Conventional	1	0.1%	100%	$105,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional	1	0.1%	100%	$405,000	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.1%	100%	$75,000	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%	$595,000	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	HELOC	0 +4 HELOCs	0%	n/a		View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	100%		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 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 +1 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 +1 HELOCs	0%	0%		View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	25	2.4%	78.4%	$599,800
Kind Lending, LLC	Conventional, FHA, VA, HELOC	14 +1 HELOCs	1.4%	87.5%	$619,285
Guild Mortgage Company	Conventional, FHA	14	1.4%	100%	$590,000
loanDepot.com LLC	Conventional, FHA, HELOC	10 +2 HELOCs	1%	66.7%	$371,000
AmWest Funding Corp	Conventional, FHA, HELOC	8 +1 HELOCs	0.8%	100%	$581,250
Franklin Loan Corporation	Conventional, VA, Jumbo	7	0.7%	87.5%	$707,857
Residential Wholesale Mortgage	Conventional, FHA, VA	6	0.6%	100%	$733,333
New American Funding, LLC.	Conventional	6	0.6%	66.7%	$613,333
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA	5	0.5%	100%	$619,000	View
American Pacific Mortgage Corporation	Conventional, VA	5	0.5%	100%	$621,000
Nexera Holding LLC	Conventional	5	0.5%	83.3%	$391,000
Golden Empire Mortgage, Inc.	Conventional, VA	4	0.4%	100%	$650,000
Provident Funding Associates	Conventional	4	0.4%	100%	$652,500
Sierra Pacific Mortgage Co. Inc	Conventional	4	0.4%	100%	$547,500
Paramount Residential Mortgage	Conventional, FHA	4	0.4%	100%	$470,000
Fundloans Capital	Conventional, Jumbo	3	0.3%	100%	$1,161,666
MortgageOne, Inc	Conventional	3	0.3%	80%	$338,333
Bay-Valley Mortgage Group	Conventional, VA	3	0.3%	100%	$601,666
Ahl Funding	Conventional, Jumbo	3	0.3%	100%	$835,000
JMJ Financial Group Inc.	Conventional, VA, Jumbo	3	0.3%	100%	$991,666
Stg Mortgage Inc	Conventional	3	0.3%	80%	$698,333
Lendsure Mortgage Corp.	Conventional	3	0.3%	100%	$768,333
Zillow Home Loans, LLC	Conventional	3	0.3%	75%	$478,333
Nmsi, Inc.	Conventional, FHA	3	0.3%	100%	$671,666
Cornerstone First Mortgage, LLC	Conventional, VA	2	0.2%	100%	$145,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0.2%	100%	$165,000
Ez Fundings Inc	Conventional, FHA	2	0.2%	100%	$725,000
San Diego Funding	Conventional, VA, Jumbo	2	0.2%	100%	$1,615,000
Greenbox Loans	Conventional, Jumbo	2	0.2%	100%	$800,000
American Internet Mortgage, Inc.	Conventional	2	0.2%	50%	$335,000
Mission Loans, LLC	Conventional	2	0.2%	100%	$155,000
Geo-Corp, Inc.	FHA	2	0.2%	100%	$775,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	42.9%	$100,000
Vista Point Mortgage, LLC	Conventional	2	0.2%	100%	$300,000
ML Mortgage Corp.	Conventional	1	0.1%	100%	$145,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$585,000
Pacific Lending LLC	FHA	1	0.1%	100%	$635,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$725,000
Resicentral LLC	Conventional	1	0.1%	50%	$665,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$445,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$755,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,645,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$375,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$545,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$355,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$95,000	View
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$665,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$575,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	50%	$265,000
JMAC Lending, Inc.	Conventional	1	0.1%	50%	$465,000
Figure Lending LLC	HELOC	0 +19 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	182 +22 HELOCs	17.6%	86.8%	$684,395
Rocket Mortgage	Conventional, FHA, VA, Jumbo	150	14.5%	84.7%	$496,666
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	39 +3 HELOCs	3.8%	95.3%	$612,692
Newrez LLC	Conventional, FHA, VA, Jumbo	21	2%	70%	$583,571
The Loan Store, Inc	Conventional, VA, Jumbo, HELOC	20 +7 HELOCs	1.9%	100%	$653,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	19 +12 HELOCs	1.8%	63.3%	$611,842
Spring Eq, LLC	Conventional, HELOC	17 +15 HELOCs	1.6%	58.6%	$206,176
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo, HELOC	16 +1 HELOCs	1.5%	94.1%	$643,125
Freedom Mortgage Corporation	Conventional, FHA, VA	14	1.4%	77.8%	$615,714
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	11 +2 HELOCs	1.1%	100%	$837,727
Fairway Independent Mort Corp	Conventional, FHA, VA	11	1.1%	100%	$602,272
Amerisave Mortgage Company	Conventional, VA	10	1%	61.1%	$338,000
Mortgage Research Center	VA	10	1%	90.9%	$624,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	9 +3 HELOCs	0.9%	100%	$693,888	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.7%	40%	$446,428
Intercap Lending Inc	Conventional, FHA, VA, Jumbo	7	0.7%	100%	$823,571
Nationstar Mortgage	Conventional, FHA	7	0.7%	77.8%	$203,571
21St Mortgage	Conventional	7	0.7%	63.6%	$215,000
Movement Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	5 +1 HELOCs	0.5%	83.3%	$719,000
Deephaven Mortgage LLC	Conventional	5	0.5%	55.6%	$273,000
Village Capital & Investment	FHA, VA, Jumbo	5	0.5%	81.8%	$955,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	4	0.4%	100%	$745,000	View
Sage Home Loans Corporation	Conventional	4	0.4%	100%	$620,000
Peoples Mortgage Company	Conventional	4	0.4%	100%	$417,500
Better Mortgage Corporation	Conventional	4	0.4%	80%	$685,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	4	0.4%	100%	$685,000	View
Champions Funding, LLC	Conventional	4	0.4%	57.1%	$462,500
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	3 +5 HELOCs	0.3%	100%	$678,333
Loanunited.Com, LLC	Conventional, FHA, VA	3	0.3%	100%	$665,000
Bay Equity LLC	Conventional	3	0.3%	100%	$561,666
Pike Creek Mortgage Services, Inc.	Conventional	3	0.3%	100%	$688,333
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +5 HELOCs	0.2%	50%	$50,000	View
Alliant Credit Union	Conventional, HELOC	2 +4 HELOCs	0.2%	100%	$680,000
Quorum Federal Credit Union	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$155,000
Originpoint, LLC	Conventional	2	0.2%	100%	$425,000
Equity Prime Mortgage LLC	VA	2	0.2%	66.7%	$370,000
PHH Mortgage Corporation	Conventional	2	0.2%	100%	$590,000
Oaktree Funding Corp	Conventional, Jumbo	2	0.2%	100%	$905,000
Nqm Funding, LLC	Conventional	2	0.2%	100%	$445,000
Cardinal Financial Company, Li	Conventional	2	0.2%	80%	$505,000
Planet Home Lending, LLC	VA	2	0.2%	100%	$560,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.2%	66.7%	$490,000	View
Prosperity Home Mortgage, LLC	Conventional	2	0.2%	100%	$840,000
Mutual of Omaha Mortgage	Conventional, VA	2	0.2%	66.7%	$790,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$460,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.2%	100%	$735,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$95,000
Everett Financial, Inc.	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$935,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$485,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$865,000	View
Arc Home LLC	Conventional, Jumbo	1	0.1%	100%	$1,555,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$795,000	View
American Financial Resources LLC	Conventional	1	0.1%	50%	$615,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$135,000
Primelending	Conventional	1	0.1%	100%	$805,000
Greenstate Credit Union	Conventional	1	0.1%	100%	$745,000
NOVA Financial & Investment Corporation	Conventional	1	0.1%	100%	$395,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$685,000
Nbkc Bank	Conventional	1	0.1%	100%	$275,000
Triad Financial Services, Inc.	Conventional	1	0.1%	50%	$105,000
Dart Bank	FHA	1	0.1%	100%	$495,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$65,000	View
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	100%	$315,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$975,000	View
Emporium Tpo LLC	Conventional	1	0.1%	100%	$475,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$1,005,000	View
Valley West Corporation	VA	1	0.1%	100%	$575,000
Discover Bank	Conventional	1	0.1%	20%	$55,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$935,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$795,000
Nfm, Inc	Conventional	1	0.1%	100%	$695,000
Foundation Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$2,165,000
Bancfirst A5.0 ★Texas Ratio: 6.40%	Conventional, Jumbo	1	0.1%	100%	$3,605,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$945,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$625,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$925,000	View
Encore Bank A+5.0 ★Texas Ratio: 1.62%	VA	1	0.1%	100%	$935,000	View
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$525,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$825,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$455,000
Genway Home Mortgage, Inc.	VA	1	0.1%	100%	$925,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$785,000
Logan Finance Corporation	Conventional	1	0.1%	50%	$595,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$125,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	50%	$505,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$975,000	View
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$555,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$315,000	View
First Technology Federal Credit Union	Conventional	1	0.1%	100%	$235,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$625,000
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +4 HELOCs	0%	n/a		View
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 +3 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Signature Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Lower, LLC	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.

Vista 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 Vista, California

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

Types of Mortgage Lenders in Vista, CA

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

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 39 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 32 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 30 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 78 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Vista, CA

Independent mortgage companies closed 80.1 percent of home loans in Vista, California in 2025, banks 10.8 percent and credit unions 9.1 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Frontwave Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 4 loans.

80.1%

Mortgage companies

10.8%

Banks

9.1%

Credit unions

FHA loans

12%

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 Vista, CA

Who is the largest mortgage lender in Vista, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Vista, California with 26 loans, about 2.5 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.

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

Among lenders with meaningful volume in Vista, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 86.8 percent, against a 83.4 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 Vista, CA mortgage lenders offer FHA, VA and USDA loans?

32 lenders closed FHA loans in Vista, California in 2025, led by United Wholesale Mortgage with 21. 39 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 Vista, CA lender list?

Yes. 39 banks and 31 credit unions closed home loans in Vista, California in 2025, alongside 119 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 Vista, CA ranked on this page?

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