When securing a home loan, choosing the right mortgage company can significantly impact your interest rate, closing timeline, and overall borrowing experience. Irvine, California—one of Orange County’s most competitive housing markets—offers a wide range of mortgage lenders, from boutique brokers to national banks.
This guide highlights the top 10 mortgage companies in Irvine, CA, explains what makes each stand out, and outlines the criteria you should use when comparing lenders. Whether you are buying your first home, refinancing, or exploring VA or jumbo loan options, understanding your choices helps ensure a smoother and more cost-effective transaction.
Mares Mortgage ranks as the top mortgage company in Irvine due to its strong reputation, personalized service, and extensive lending expertise. With more than 20 years of experience, this family-owned and operated brokerage is known for integrity, transparency, and hands-on guidance throughout the loan process.
Mares Mortgage offers access to:
Clients benefit from working with Certified Mortgage Planning Specialists who tailor loan strategies to long-term financial goals. The firm also leverages LoanSifter, a powerful rate-search platform that compares pricing from 175+ wholesale lenders nationwide, ensuring competitive rates and flexible underwriting.
Related: How to Get a Veteran Home Loan
This company is known for its referable experience and innovative mortgage process. They are the 7th biggest retail mortgage lender in the U.S. Their commitment to upfront underwriting and a 7-day loan processing goal differentiates them from competitors. Movement Mortgage employs over 3,500 people and has more than 750 branches nationwide. They are licensed in 49 states and have a strong commitment to giving back through their nonprofit organization, the Movement Foundation.
For those looking for a direct mortgage lender, New American Funding is a top contender. They are dedicated to helping families and individuals improve their quality of life through homeownership. Based in Orange County, California, New American Funding has grown to become a leader in the home loan industry.
Are you ready to buy a home? Contact us to see how Mares Mortgage can help!
OneWest Bank, a division of CIT Bank, N.A., operates more than 60 retail branches across Southern California. The bank provides a full range of consumer and small business lending products and has earned recognition from MONEY Magazine as one of California’s best banks.
Their strength lies in relationship-based banking and regional market knowledge.
The founders of 1st Century Bank in Los Angeles set out to establish a financial institution with exceptional service to its customers. They prioritize personal attention and commitment to the communities they serve. 1st Century Bank's talented team is dedicated to the success of its clients, making its vision of exceptional client service a reality.
Related: Tips and Tricks for First Time Home Buyers
Bank of Southern California is a growing community commercial bank that offers a wide range of financial products to individuals, professionals, and small-to-medium-sized businesses. They are locally owned and managed, celebrating the entrepreneurial spirit of Southern California by providing personalized banking solutions to help businesses achieve their goals.
Zions First National Bank has been a financial institution since 1873, making it one of the oldest in the Intermountain West. They provide traditional banking and innovative technology services through their network of full-service financial centers. Zions Bank is dedicated to supporting economic development in the communities they serve and is known for its local decision-making.
Guild Mortgage Company was founded in 1960 in San Diego and has since established itself as an innovator in the industry. They aim to create partnerships for lasting success, combining the resources of large companies with the accessibility and soul of a small company. Guild Mortgage provides a wide range of home loan options and has a proven commitment to its customers and employees.
HomeStreet Bank is driven to enrich the lives of its customers and communities. They provide a consistent banking experience and prioritize human connections and authentic interactions. With a full range of banking services, HomeStreet Bank aims to build intentional relationships and offer financial expertise.
Bank of America is a major financial institution that provides numerous banking services, including mortgage loans. Bank of America has millions of individual and small business customers thanks to its extensive network of retail banking locations across the country. Their reach is vast, and their banking services are all-encompassing.
Reasons to Refinance Your Home
The process of choosing a mortgage lender can be intimidating and time-consuming. There are, however, some important factors to think about that can make the choice easier to make. Choosing a mortgage lender can feel overwhelming, but evaluating a few core factors can simplify the decision:
Selecting a lender that aligns with your financial goals can significantly improve your home-buying or refinancing experience.
Need more information on refinancing a home? Get in touch with us today!
When evaluating mortgage companies in Irvine, interest rates should not be the only deciding factor. Service quality, loan strategy, and transparency play equally important roles.
Mares Mortgage stands out as the best Irvine mortgage lender due to its strong local reputation, ethical lending practices, broad loan offerings, and client-first approach. While each lender on this list brings unique strengths, Mares Mortgage consistently delivers clarity, flexibility, and long-term value for Irvine homebuyers.
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