No stored Google rating available.
Nationally-chartered community bank serving San Diego County since 1997, specializing in financial services for small businesses, nonprofits, and underserved communities through CDFI certification.
Data compiled from public sources
Neighborhood National Bank (NNB) was founded in 1997 and has operated as the oldest community bank in San Diego County. It is a nationally-chartered, federally insured institution with FDIC backing. 3 million in operating profit for 2025.
The bank expanded operations to include a loan production office in Orange County and plans to open a new full-service branch in National City. Neighborhood National Bank offers business loans (including SBA loans), deposit accounts, online banking through their GoBanking platform, merchant card services, and financial calculators. They serve individuals, small-to-medium sized businesses, and nonprofits across San Diego County.
The bank provides affordable, flexible, and accessible financial products tailored to their customer base. What distinguishes NNB is its certified Community Development Financial Institution (CDFI) status—the only CDFI bank in San Diego County—which reflects its explicit mission to serve low- and moderate-income communities. The bank focuses on providing banking services in neighborhoods often neglected by national and regional banks, particularly South and East San Diego County.
Leadership emphasizes community engagement, support for local nonprofits and churches, and financial inclusion in underserved areas. NNB appears to be a legitimate, well-capitalized community bank with strong recent performance metrics and genuine commitment to its CDFI mission. However, the website provides limited detail on specific loan terms, rates, fees, or lending criteria, which may require direct contact for precise product information.
This is state-level context for Banks consumers in El Cajon, CA. It does not confirm that Neighborhood National Bank or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Neighborhood National Bank processed 65 mortgage applications in 2023, with 100% recorded as approved across 3 states.
65
Applications
100%
Approval Rate
$174K
Avg Loan
3
States Served
Based on 65 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Neighborhood National Bank offers 10 services including SBA business loans, Commercial business loans, Deposit accounts (checking and savings), Online banking platform (GoBanking), Merchant card services, and 5 more.
Neighborhood National Bank has profile signals associated with Small-to-medium sized businesses in low and moderate-income communities in San Diego and Orange County, Nonprofits and community organizations seeking mission-aligned banking relationships, Businesses historically underserved by national and regional banks, Communities in South and East San Diego County seeking local banking support.
Key strengths: FDIC-insured and backed by full faith and credit of U.S. Government; Only certified CDFI bank in San Diego County, with 25+ years of community service since 1997; Record profitability in 2025 with $3.8M net income and 30% asset growth demonstrating financial stability. Areas to consider: Website lacks specific information on loan rates, APRs, fees, or lending terms; No clear online application process visible; customers must contact bank directly for loan qualification details.
In the Banks category, comparable providers include Commercial Bank of California (Formerly Community Bank of the Bay), East West Bank, LendingClub. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Neighborhood National Bank is profile signals for small businesses and nonprofits in San Diego County seeking community-focused financing with genuine commitment to underserved populations. The primary caveat is that detailed lending terms, rates, and qualification criteria are not available on the website, requiring direct contact with the bank for specific product information and application.
Commercial Bank of California (formerly Community Bank of the Bay) is a regional bank offering checking, savings, and business banking services to California consumers and small businesses.
Google rating from 7 reviews
Profile signals: California-based consumers seeking regional banking relationships with local decision-making, Small business owners preferring community bank service models over national chains
FDIC-insured bank offering personal and commercial banking, home loans, wealth management, and international trade solutions with multilingual support.
Google rating from 21 reviews
Profile signals: Bilingual/multilingual customers seeking banking services in their preferred language, Small business owners and entrepreneurs needing SBA loans and commercial banking services
LendingClub is a digital marketplace bank offering personal loans up to $60,000, auto refinancing, and award-winning checking/savings accounts with no physical branches.
Google rating from 4,720 reviews
Profile signals: Borrowers with good-to-excellent credit seeking competitive personal loan rates, Credit card debt consolidators looking for fixed-rate alternatives
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