Mortgage lenders in Orange County
45,570 mortgages were made in Orange County, California, in 2025, by 694 lenders. The median rate their borrowers got was 6.740% on a median loan of $515,000. Of 61,443 decisions, 12,820 were denials — 20.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SCHOOLSFIRST | 4,992 | 5.500% | $205,000 | 9.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,821 | 6.500% | $675,000 | 14.0% |
| Rocket Mortgage, LLC | 3,235 | 6.750% | $595,000 | 18.4% |
| U.S. Bank National Association | 2,188 | 6.250% | $805,000 | 30.9% |
| Bank of America, National Association | 1,917 | 5.990% | $305,000 | 35.0% |
| JPMorgan Chase Bank, National Association | 1,113 | 6.125% | $895,000 | 13.4% |
| PENNYMAC LOAN SERVICES, LLC | 796 | 6.624% | $805,000 | 19.4% |
| ORANGE COUNTY'S CREDIT UNION | 743 | 7.625% | $165,000 | 32.0% |
| East West Bank | 704 | 6.500% | $785,000 | 4.4% |
| AMWEST FUNDING CORP. | 700 | 7.250% | $595,000 | 9.1% |
| Wells Fargo Bank, National Association | 566 | 5.875% | $1,005,000 | 21.3% |
| Loandepot.Com, LLC | 545 | 6.875% | $385,000 | 23.8% |
| SPRING EQ, LLC | 523 | 8.175% | $165,000 | 60.5% |
| NEW WAVE LENDING GROUP INC | 519 | 6.875% | $695,000 | 0.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 512 | 6.875% | $685,000 | 6.8% |
| NMSI, INC. | 500 | 6.875% | $755,000 | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 496 | 8.000% | $255,000 | 25.8% |
| THE LOAN STORE, INC. | 482 | 6.995% | $525,000 | 16.6% |
| Citibank, National Association | 438 | 5.875% | $1,095,000 | 20.1% |
| FIGURE LENDING LLC | 416 | 8.550% | $115,000 | 28.6% |
| Broker Solutions, Inc. | 394 | 6.875% | $555,000 | 13.2% |
| GUARANTEED RATE, INC. | 359 | 6.600% | $735,000 | 10.3% |
| Navy Federal Credit Union | 347 | 7.950% | $205,000 | 39.4% |
| FINANCE OF AMERICA REVERSE LLC | 345 | 8.990% | $545,000 | 8.6% |
| OCMBC, INC. | 343 | 6.875% | $655,000 | 8.8% |
| Financial Partners Credit Union | 322 | 7.500% | $235,000 | 25.1% |
| Eagle Community Credit Union | 322 | 9.000% | $155,000 | 7.7% |
| Kiavi Funding, Inc. | 312 | 9.700% | $1,005,000 | 3.9% |
| NEWREZ LLC | 307 | 6.625% | $675,000 | 39.7% |
| BMO Bank National Association | 293 | 7.730% | $640,000 | 48.2% |
| KIND LENDING, LLC | 285 | 6.750% | $615,000 | 28.5% |
| CMG MORTGAGE, INC. | 277 | 6.750% | $655,000 | 5.5% |
| NATIONSTAR MORTGAGE LLC | 274 | 8.250% | $165,000 | 26.3% |
| Third Federal Savings and Loan Association of Cleveland | 267 | 6.990% | $205,000 | 38.6% |
| Zions Bancorporation, N.A. | 261 | 6.250% | $495,000 | 20.2% |
| LENNAR MORTGAGE, LLC | 240 | 5.875% | $850,000 | 10.0% |
| Coastal Community Bank | 236 | 9.740% | $105,000 | 4.3% |
| City National Bank | 236 | 5.938% | $855,000 | 17.1% |
| FlexPoint, Inc. | 214 | 7.250% | $635,000 | 4.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 210 | 10.140% | $215,000 | 11.8% |
| NuVision Federal Credit Union | 197 | 4.990% | $255,000 | 28.4% |
| PNC Bank, National Association | 194 | 7.490% | $545,000 | 37.8% |
| NEXERA HOLDING LLC | 193 | 7.250% | $875,000 | 9.4% |
| Commerce Home Mortgage, Inc. | 190 | 7.250% | $1,020,000 | 12.8% |
| KINECTA | 188 | 6.740% | $255,000 | 8.7% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 179 | 3.990% | $195,000 | 34.8% |
| Charles Schwab Bank, SSB | 174 | 5.500% | $1,180,000 | 5.4% |
| Morgan Stanley Private Bank, National Association | 171 | 5.750% | $1,080,000 | 10.5% |
| General Mortgage Capital Corporation | 170 | 6.495% | $725,000 | 1.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 169 | 7.790% | $205,000 | 27.1% |
| VISTA POINT MORTGAGE, LLC | 164 | 8.188% | $595,000 | 14.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 162 | 6.495% | $575,000 | 12.8% |
| Cathay Bank | 155 | 6.250% | $1,045,000 | 12.9% |
| CTBC Bank Corp. (USA) | 155 | 6.500% | $1,085,000 | 10.8% |
| PARTNERS Federal Credit Union | 151 | 7.000% | $175,000 | 37.6% |
| A&D Mortgage LLC | 151 | 6.625% | $695,000 | 13.7% |
| AAA CAPITAL INVESTMENT, INC. | 148 | 6.750% | $725,000 | 3.4% |
| 549300DLBRGR2O0VNZ96 | 147 | 6.750% | $705,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 146 | 6.625% | $680,000 | 2.7% |
| NexBank | 146 | 6.313% | $975,000 | 14.8% |
| Comerica Bank | 145 | 5.990% | $305,000 | 42.4% |
| GUARANTEED RATE AFFINITY, LLC | 142 | 6.550% | $805,000 | 4.0% |
| BETTER MORTGAGE CORPORATION | 141 | 8.000% | $375,000 | 49.5% |
| EMET LENDING GROUP, INC. | 140 | 7.000% | $770,000 | 0.0% |
| Logan Finance Corporation | 138 | 6.999% | $1,230,000 | 6.0% |
| DEEPHAVEN MORTGAGE LLC | 137 | 7.750% | $465,000 | 29.3% |
| QUORUM FEDERAL CREDIT UNION | 136 | 8.125% | $255,000 | 23.0% |
| BAY-VALLEY MORTGAGE GROUP | 133 | 6.625% | $605,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 128 | 7.625% | $785,000 | 25.6% |
| Hometown Equity Mortgage, LLC | 127 | 7.375% | $795,000 | 52.4% |
| LONGBRIDGE FINANCIAL, LLC | 127 | 8.875% | $545,000 | 6.5% |
| Citadel Servicing Corporation | 125 | 7.000% | $885,000 | 2.4% |
| JMAC LENDING, INC. | 124 | 6.875% | $705,000 | 2.4% |
| FREEDOM MORTGAGE CORPORATION | 117 | 6.125% | $725,000 | 21.4% |
| ALLIANT CREDIT UNION | 117 | 7.750% | $235,000 | 37.0% |
| CLEAREDGE LENDING LLC | 116 | 6.999% | $1,115,000 | 22.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 116 | 6.625% | $675,000 | 10.2% |
| FRANKLIN LOAN CORPORATION | 116 | 6.875% | $730,000 | 0.0% |
| CONVENTUS LLC | 115 | 9.250% | $1,045,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 113 | 6.999% | $885,000 | 40.8% |
| FIRST STANDARD FINANCIAL CORP. | 112 | 6.813% | $780,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 110 | 7.995% | $610,000 | 17.3% |
| PENTAGON FEDERAL CREDIT UNION | 109 | 7.625% | $285,000 | 49.6% |
| JMJ FINANCIAL GROUP | 109 | 6.750% | $675,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 108 | 6.433% | $705,000 | 11.4% |
| ROYAL PACIFIC FUNDING CORP. | 106 | 6.813% | $740,000 | 1.9% |
| MOVEMENT MORTGAGE, LLC | 105 | 6.750% | $785,000 | 6.2% |
| VAL-CHRIS INVESTMENTS, INC. | 105 | 13.500% | $255,000 | 0.0% |
| ONY GLO, INC. | 103 | 6.750% | $705,000 | 39.5% |
| AMERITRUST MORTGAGE CORPORATION | 101 | 7.250% | $985,000 | 3.8% |
| CAKE MORTGAGE CORP. | 101 | 7.375% | $755,000 | 4.7% |
| Sierra Pacific Mortgage Company, Inc. | 100 | 6.625% | $585,000 | 11.5% |
| Home Mortgage Alliance Corporation (HMAC) | 99 | 8.375% | $505,000 | 25.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 99 | 6.086% | $635,000 | 9.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 98 | 6.875% | $760,000 | 9.2% |
| 9845007CY0EC0F59W414 | 95 | 7.000% | $645,000 | 4.8% |
| First-Citizens Bank & Trust Company | 90 | 5.990% | $490,000 | 34.5% |
| GUILD MORTGAGE COMPANY | 90 | 6.500% | $585,000 | 4.8% |
| CALIFORNIA CREDIT UNION | 88 | 5.750% | $820,000 | 26.1% |
| OriginPoint, LLC | 87 | 6.750% | $1,025,000 | 12.0% |
| PLAZA HOME MORTGAGE, INC. | 85 | 7.375% | $355,000 | 35.0% |
| First Bank | 84 | 8.250% | $280,000 | 29.8% |
| UBS Bank USA | 81 | 5.875% | $1,205,000 | 5.8% |
| Baxter Credit Union | 80 | 7.250% | $295,000 | 16.2% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 80 | 9.500% | $1,000,000 | 1.2% |
| Easy Street Capital, LLC | 80 | 9.900% | $825,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 77 | 7.125% | $645,000 | 10.5% |
| GOLDEN EMPIRE MORTGAGE, INC. | 76 | 6.750% | $650,000 | 9.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 73 | 6.375% | $655,000 | 10.8% |
| FUNDLOANS CAPITAL | 72 | 7.875% | $760,000 | 10.0% |
| F&A Federal Credit Union | 71 | 7.000% | $255,000 | 7.7% |
| TRIAD FINANCIAL SERVICES, INC. | 70 | 8.730% | $175,000 | 33.3% |
| STG MORTGAGE INC | 70 | 6.750% | $890,000 | 13.6% |
| Flagstar Bank, N.A. | 69 | 6.500% | $825,000 | 42.5% |
| Firefighters First Federal Credit Union | 69 | 8.000% | $235,000 | 15.9% |
| Fidelity Lending Solutions, Inc. | 68 | 7.000% | $790,000 | 3.3% |
| LOGIX FEDERAL CREDIT UNION | 67 | 5.990% | $255,000 | 24.4% |
| ARC HOME LLC | 65 | 7.000% | $1,005,000 | 20.7% |
| Bethpage Federal Credit Union | 64 | 6.740% | $455,000 | 57.6% |
| MORTGAGEONE, INC. | 63 | 6.750% | $695,000 | 5.8% |
| EVERETT FINANCIAL, INC. | 60 | 6.995% | $830,000 | 9.1% |
| Prosperity Home Mortgage, LLC | 58 | 6.438% | $770,000 | 4.8% |
| AmeriSave Mortgage Corporation | 57 | 8.750% | $135,000 | 80.7% |
| PHH Mortgage Corporation | 57 | 5.990% | $565,000 | 26.0% |
| AHL FUNDING | 57 | 6.875% | $645,000 | 3.4% |
| Genesis Capital, LLC | 57 | 8.250% | $1,085,000 | 0.0% |
| THE GOLDEN 1 | 55 | 7.750% | $305,000 | 42.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 55 | 5.990% | $825,000 | 22.2% |
| HIGHTECHLENDING INC | 55 | 7.000% | $555,000 | 6.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 6.688% | $715,000 | 11.5% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 53 | 7.625% | $335,000 | 11.6% |
| NFM, INC. | 53 | 5.750% | $675,000 | 1.8% |
| Discover Bank | 52 | 8.050% | $105,000 | 80.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 52 | 6.043% | $685,000 | 11.8% |
| UNION HOME MORTGAGE CORP. | 52 | 6.375% | $650,000 | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 50 | 6.812% | $685,000 | 57.1% |
| Mortgage Research Center, LLC | 49 | 5.990% | $815,000 | 47.3% |
| LAKEVIEW LOAN SERVICING, LLC | 48 | 6.625% | $355,000 | 68.9% |
| GoodLeap, LLC | 47 | 8.050% | $95,000 | 24.1% |
| LBS FINANCIAL | 47 | 5.990% | $365,000 | 11.3% |
| SOUTHLAND CREDIT UNION | 46 | 7.250% | $355,000 | 26.2% |
| Fairway Independent Mortgage Corporation | 46 | 6.750% | $745,000 | 9.8% |
| EQUITY WAVE LENDING, INC. | 44 | 11.990% | $300,000 | 17.5% |
| FIRST COLONY MORTGAGE CORPORATION | 43 | 6.625% | $675,000 | 9.1% |
| Lendage, LLC | 43 | 10.000% | $125,000 | 21.1% |
| RESICENTRAL, LLC | 43 | 6.500% | $685,000 | 3.9% |
| AMERICAN FIRST CREDIT UNION | 42 | 7.313% | $130,000 | 19.0% |
| 21st Mortgage Corporation | 41 | 9.840% | $165,000 | 79.6% |
| Citizens Bank, National Association | 40 | 6.900% | $1,245,000 | 17.7% |
| CORNERSTONE CAPITAL BANK, SSB | 40 | 6.625% | $610,000 | 0.0% |
| HomeTrust Bank | 40 | 7.750% | $405,000 | 22.6% |
| LADERA LENDING, INC. | 39 | 6.875% | $635,000 | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 39 | 5.750% | $875,000 | 4.7% |
| Archwest Funding | 39 | 8.990% | $1,485,000 | 4.6% |
| MISSION LOANS, LLC | 38 | 8.188% | $180,000 | 4.2% |
| PLANET HOME LENDING, LLC | 38 | 6.438% | $670,000 | 25.5% |
| BAY EQUITY LLC | 37 | 6.875% | $705,000 | 0.0% |
| VICTORIA FINANCIAL CORP. | 37 | 6.500% | $745,000 | 0.0% |
| OAKTREE FUNDING CORP. | 36 | 8.563% | $455,000 | 3.4% |
| Emporium TPO LLC | 36 | 7.058% | $975,000 | 4.7% |
| KBHS HOME LOANS, LLC | 36 | 6.125% | $645,000 | 5.3% |
| Stifel Bank and Trust | 36 | 6.313% | $505,000 | 2.7% |
| ML Mortgage Corp. | 35 | 6.625% | $615,000 | 0.0% |
| Preferred Bank | 35 | Not published | $1,365,000 | 14.6% |
| Axos Bank | 34 | 6.750% | $1,740,000 | 35.2% |
| Equity Prime Mortgage LLC | 34 | 6.188% | $790,000 | 17.1% |
| Royal Business Bank | 34 | 6.750% | $905,000 | 12.8% |
| Goldman Sachs Bank USA | 34 | 5.600% | $2,675,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 33 | 8.000% | $465,000 | 12.8% |
| Watermark Capital, Inc. | 33 | 6.625% | $705,000 | 0.0% |
| Truist Bank | 32 | 6.115% | $350,000 | 62.4% |
| Greenbox Loans, Inc. | 32 | 7.999% | $605,000 | 2.8% |
| SmartFi Home Loans, LLC | 32 | 8.990% | $575,000 | 8.6% |
| NQM FUNDING, LLC | 31 | 6.999% | $775,000 | 25.9% |
| T. J. FINANCIAL, INC. | 31 | 6.375% | $655,000 | 0.0% |
| The Dart Bank | 31 | 6.625% | $625,000 | 12.2% |
| MidFirst Bank | 31 | 6.025% | $1,505,000 | 6.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 30 | 6.375% | $695,000 | 18.9% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 30 | 5.750% | $465,000 | 3.1% |
| BANC ONE MORTGAGE CORPORATION | 29 | 6.750% | $695,000 | 0.0% |
| GOOGAIN, INC. | 28 | 6.500% | $740,000 | 0.0% |
| California Coast Credit Union | 27 | 7.500% | $195,000 | 18.2% |
| Cornerstone First Mortgage, Inc | 27 | 7.000% | $1,085,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 26 | 7.438% | $745,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 26 | 6.058% | $590,000 | 3.7% |
| VISION ONE MORTGAGE, INC. | 26 | 6.625% | $550,000 | 18.8% |
| NATIONWIDE EQUITIES CORPORATION | 26 | 9.055% | $855,000 | 7.1% |
| 254900M2C4Q6DATP2889 | 25 | 6.125% | $495,000 | 32.4% |
| LUXURY MORTGAGE CORP. | 25 | 7.250% | $1,275,000 | 13.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 25 | 9.490% | $885,000 | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 24 | 7.563% | $655,000 | 12.0% |
| Valon Mortgage, Inc. | 24 | 7.775% | $90,000 | 14.6% |
| Boeing Employees Credit Union | 24 | 6.495% | $235,000 | 25.0% |
| 2549005FUF02T1IFCA22 | 24 | 7.375% | $575,000 | 22.6% |
| NORTHROP GRUMMAN Federal Credit Union | 23 | 7.500% | $235,000 | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 22 | 7.750% | $715,000 | 20.5% |
| DIGITAL | 22 | 7.625% | $350,000 | 21.4% |
| Bank of Hope | 22 | 6.188% | $805,000 | 19.4% |
| Filo Mortgage, L.L.C. | 22 | 6.875% | $715,000 | 8.0% |
| Farmers and Merchants Bank of Long Beach | 22 | Not published | $575,000 | 24.1% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 494 lenders each made 22 or fewer mortgages here, and are counted in the totals above.
Bank branches in Orange County
535 FDIC-insured branches from 73 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
32 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Banc of California, 500 Newport Center Dr, Ste 125, Newport Beach
- Bank of America, National Association, 16811 Algonquin St, Huntington Beach
- Bank of America, National Association, 26002 Marguerite Pkwy, Mission Viejo
- Comerica Bank, 17011 Beach Blvd, Ste 100, Huntington Beach
- Comerica Bank, 2131 Westcliff Dr, Newport Beach
- Comerica Bank, 23718 El Toro Rd, Ste B, Lake Forest
- Comerica Bank, 2432 E Katella Ave, Bldg A, Anaheim
- Comerica Bank, 2500 E Imperial Hwy, Ste 190, Brea
- Comerica Bank, 3025 El Camino Real, Tustin
- Comerica Bank, 32022 Camino Capistrano Ste F3, San Juan Capistrano
- Comerica Bank, 611 Anton Blvd, Ste 100, Costa Mesa
- Comerica Bank, 6812 Katella Ave, Cypress
- First Foundation Bank, 13962 Seal Beach Blvd, Seal Beach
- First Foundation Bank, 18101 Von Karman Ave, Irvine
- First Foundation Bank, 18101 Von Karman Ave, Ste 150, Irvine
- First Foundation Bank, 24310 Moulton Pkwy, Laguna Hills
- First-Citizens Bank & Trust Company, 7061 Yorktown Ave, Ste 103, Huntington Beach
- HomeStreet Bank, 2211 Michelson Dr, Ste 340, Irvine
- JPMorgan Chase Bank, National Association, 3973 Irvine Blvd, Irvine
- Pacific Premier Bank, National Association, 1045 W Katella Ave, Orange
- Pacific Premier Bank, National Association, 17672 Yorba Linda Blvd, Yorba Linda
- Pacific Premier Bank, National Association, 17901 Von Karman Ave, Suite 1200, Irvine
- Pacific Premier Bank, National Association, 19011 Magnolia St, Huntington Beach
- Pacific Premier Bank, National Association, 200 W Commonwealth Ave, Fullerton
- Pacific Premier Bank, National Association, 24050 Aliso Creek Rd, Ste 1a, Laguna Niguel
- Pacific Premier Bank, National Association, 3748 E Coast Hwy, Corona Del Mar
- Pacific Premier Bank, National Association, 4667 Macarthur Blvd, Ste 100, Newport Beach
- Pacific Premier Bank, National Association, 4957 Katella Ave, Ste B, Los Alamitos
- U.S. Bank National Association, 203 W Imperial Hwy, Ste C, Brea
- Wells Fargo Bank, National Association, 2700 N Main St, Santa Ana
- Wells Fargo Bank, National Association, 3325 E Chapman Ave, Orange
- Wilmington Trust, National Association, 1100 W Town And Country Rd, Orange
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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.