Mortgage lenders in Imperial County
1,897 mortgages were made in Imperial County, California, in 2025, by 236 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 2,648 decisions, 642 were denials — 24.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 233 | 6.375% | $325,000 | 18.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 146 | 6.125% | $295,000 | 4.3% |
| EFINITY FINANCIAL INC. | 142 | 6.750% | $320,000 | 2.1% |
| Rocket Mortgage, LLC | 127 | 6.750% | $215,000 | 26.8% |
| SUN COMMUNITY FEDERAL CREDIT UNION | 77 | 8.000% | $115,000 | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | 74 | 6.500% | $355,000 | 13.6% |
| EVERETT FINANCIAL, INC. | 65 | 6.375% | $195,000 | 7.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 48 | 6.500% | $430,000 | 12.7% |
| FREEDOM MORTGAGE CORPORATION | 45 | 6.250% | $355,000 | 21.9% |
| Loandepot.Com, LLC | 42 | 7.500% | $145,000 | 28.6% |
| Equity Prime Mortgage LLC | 38 | 6.250% | $345,000 | 5.0% |
| Navy Federal Credit Union | 32 | 7.850% | $110,000 | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 32 | 6.500% | $355,000 | 5.9% |
| Paramount Residential Mortgage Group, Inc. | 31 | 6.500% | $315,000 | 3.1% |
| JPMorgan Chase Bank, National Association | 29 | 6.625% | $215,000 | 6.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 29 | 8.125% | $205,000 | 6.5% |
| U.S. Bank National Association | 27 | 8.200% | $105,000 | 57.6% |
| NATIONSTAR MORTGAGE LLC | 27 | 9.000% | $85,000 | 3.6% |
| SPRING EQ, LLC | 26 | 9.262% | $80,000 | 66.7% |
| NEWREZ LLC | 22 | 6.250% | $300,000 | 46.5% |
| Wallick & Volk, Inc. | 22 | 6.438% | $400,000 | 8.3% |
| Cornerstone First Mortgage, Inc | 22 | 6.495% | $275,000 | 0.0% |
| OCMBC, INC. | 21 | 6.125% | $335,000 | 0.0% |
| Bank of America, National Association | 19 | 6.490% | $85,000 | 66.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 19 | 6.490% | $275,000 | 0.0% |
| THE LOAN STORE, INC. | 17 | 6.625% | $375,000 | 5.0% |
| KIND LENDING, LLC | 17 | 7.375% | $235,000 | 5.6% |
| FIGURE LENDING LLC | 15 | 8.800% | $85,000 | 23.3% |
| GUILD MORTGAGE COMPANY | 13 | 6.125% | $115,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.433% | $350,000 | 0.0% |
| SCHOOLSFIRST | 12 | 6.870% | $120,000 | 25.0% |
| Kiavi Funding, Inc. | 11 | 10.250% | $245,000 | 8.3% |
| CAKE MORTGAGE CORP. | 11 | 7.250% | $175,000 | 0.0% |
| ML Mortgage Corp. | 11 | 6.250% | $245,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 6.500% | $415,000 | 50.0% |
| Wells Fargo Bank, National Association | 10 | 6.375% | $135,000 | 23.1% |
| NBKC BANK | 10 | 6.558% | $410,000 | 33.3% |
| Fairway Independent Mortgage Corporation | 10 | 6.250% | $265,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 41.7% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 67.7% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 57.1% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 66.7% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 63.6% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| California Coast Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 12.5% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 37.5% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rize Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FRANKLIN LOAN CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 84.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 2 | Under 10 loans | Under 10 loans | 77.8% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Tax Lady | 1 | Under 10 loans | Under 10 loans | 87.5% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTWAVE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WHEELHOUSE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MYPOINT Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WESCOM CENTRAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FIRST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HomeStreet Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GO MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 0 | Under 10 loans | Under 10 loans | Not published |
| Azuza LLC dba Z Loans Funding | 0 | Under 10 loans | Under 10 loans | Not published |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLDEN EMPIRE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 36 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Imperial County
9 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Mechanics Bank | 3 | $618.2 million |
| Wells Fargo Bank, National Association | 2 | $575.7 million |
| JPMorgan Chase Bank, National Association | 1 | $425.7 million |
| Bank of America, National Association | 1 | $358.5 million |
| U.S. Bank National Association | 1 | $223.7 million |
| Sunflower Bank, National Association | 1 | $124.2 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community Valley Bank, 1443 W Main St, El Centro
- Community Valley Bank, 310 Main St, Brawley
- First Foundation Bank, 1599 W Main St, El Centro
- Wells Fargo Bank, National Association, 750 N Imperial Ave, El Centro
Get told when this changes
When the next year’s lending figures are out for Imperial County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.