Mortgage Lenders and Brokers in Capitola, California
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Capitola, California mortgage lenders include Bay Federal Credit UnionBay Federal Credit Union3333 Clares St, Capitola, CA 95010 2546A+5.0 ★Texas Ratio: 1.88%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1990 41st Ave, Capitola, CA 95010A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1700 41st Ave, Capitola, CA 95010A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA3820 Capitola Rd, Capitola, CA 95010A+5.0 ★Texas Ratio: 3.54%, Bank of America NABank of America NA4055 Capitola Rd, Capitola, CA 95010A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.601 Bay Ave, Capitola, CA 95010A+5.0 ★Texas Ratio: 2.85%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Central Coast Lending, Inc.Central Coast Lending, Inc.510 Canal St Ste R, King City, CA 93930 3443, and The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%. 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 Capitola, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Capitola 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 Capitola, California
Market share is the lender's share of all home loans closed in Capitola, 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 |
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3333 Clares St, Capitola, CA 95010 2546 A+5.0 ★Texas Ratio: 1.88% |
Conventional, HELOC | 4 +7 HELOCs |
4.7% | 80% | $550,000 | View |
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1 office in Capitola 1990 41st Ave, Capitola, CA 95010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +1 HELOCs |
4.7% | 100% | $650,000 | View |
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1 office in Capitola 1700 41st Ave, Capitola, CA 95010 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 2.3% | 100% | $1,035,000 | View |
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1 office in Capitola 3820 Capitola Rd, Capitola, CA 95010 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.2% | 100% | $1,585,000 | View |
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1 office in Capitola 4055 Capitola Rd, Capitola, CA 95010 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1 office in Capitola 601 Bay Ave, Capitola, CA 95010 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 2 | 2.3% | 100% | $1,205,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $125,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 1 | 1.2% | 100% | $1,055,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,425,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $515,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
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386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional | 2 | 2.3% | 100% | $915,000 | |
Nexera Holding LLC
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Conventional | 2 | 2.3% | 100% | $200,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 2.3% | 100% | $385,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $785,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $505,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 1.2% | 100% | $805,000 | |
Resicentral LLC
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Conventional | 1 | 1.2% | 100% | $675,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 1.2% | 100% | $945,000 | |
Coast 2 Coast Funding Group, Inc
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Conventional | 1 | 1.2% | 100% | $345,000 | |
American Heritage Lending, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,585,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $1,005,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 1.2% | 100% | $595,000 | |
Mission Loans, LLC
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Conventional | 1 | 1.2% | 100% | $245,000 | |
Summit Funding.Inc
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Conventional | 1 | 1.2% | 100% | $725,000 | |
Coastal Funding SLC, Inc.
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Conventional | 1 | 1.2% | 100% | $585,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.2% | 100% | $605,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 1.2% | 100% | $345,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 8 | 9.3% | 66.7% | $661,250 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 8 | 9.3% | 100% | $605,000 | |
Premier Mortgage Resources, LLC
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Conventional | 5 | 5.8% | 100% | $599,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 4 +1 HELOCs |
4.7% | 80% | $490,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
3.5% | 100% | $728,333 | |
Newrez LLC
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Conventional | 2 | 2.3% | 100% | $470,000 | |
Nationstar Mortgage
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Conventional | 2 | 2.3% | 100% | $85,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 2.3% | 100% | $1,730,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.2% | 100% | $365,000 | |
Primelending
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Conventional | 1 | 1.2% | 100% | $455,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 1.2% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1.2% | 100% | $3,135,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 1.2% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 1.2% | 100% | $955,000 | View |
Union Home Mortgage Corp.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,245,000 | |
Mortgage Research Center
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VA | 1 | 1.2% | 33.3% | $625,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 1.2% | 100% | $885,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $1,165,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.2% | 100% | $475,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.2% | 100% | $175,000 | |
First Technology Federal Credit Union
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Conventional | 1 | 1.2% | 100% | $335,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.2% | 100% | $505,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Capitola Mortgage Rate Trends
Daily average mortgage rates for California compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Capitola, California
Looking for mortgage lenders near me or mortgage brokers near me in Capitola? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Capitola in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Capitola, CA
Use these to narrow the list above. Each category shows how many Capitola, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Capitola, CA
Independent mortgage companies closed 72.1 percent of home loans in Capitola, California in 2025, banks 18.6 percent and credit unions 9.3 percent. Central Coast Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bay Federal Credit Union led with 4 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
Frequently Asked Questions About Mortgage Lenders in Capitola, CA
By home loans closed in 2025, Bay Federal Credit Union was the largest mortgage lender in Capitola, California with 4 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 9 credit unions closed home loans in Capitola, California in 2025, alongside 36 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.
Lenders are ranked only by the number of home loans they closed in Capitola, 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 Capitola, 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 Capitola. 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.
