Mortgage Lenders and Brokers in Castro Valley, 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
Castro Valley, California mortgage lenders include Bank of America NABank of America NA3067 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.20629 Redwood Rd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3449 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA3500 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA3288 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 2.82%, Fremont BankFremont Bank3549 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 4.11%, BMO Harris Bank NABMO Harris Bank NA3396 Castro Valley Blvd, Castro Valley, CA 94546A+5.0 ★Texas Ratio: 3.54%, Patelco Credit UnionPatelco Credit Union4055 E Castro Valley Blvd, Castro Valley, CA 94552A5.0 ★Texas Ratio: 6.65%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, and Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%. 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 Castro Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Castro Valley 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 Castro Valley, California
Market share is the lender's share of all home loans closed in Castro Valley, 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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1 office in Castro Valley 3067 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 37 +32 HELOCs |
4.5% | 94.9% | $1,234,189 | View |
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1 office in Castro Valley 20629 Redwood Rd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 36 +14 HELOCs |
4.4% | 88.1% | $856,944 | View |
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1 office in Castro Valley 3449 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 31 +1 HELOCs |
3.8% | 94.1% | $897,903 | View |
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1 office in Castro Valley 3500 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 26 | 3.2% | 83.9% | $1,091,538 | View |
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1 office in Castro Valley 3288 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 17 +6 HELOCs |
2.1% | 100% | $1,207,352 | View |
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1 office in Castro Valley 3549 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 13 +23 HELOCs |
1.6% | 76.5% | $480,384 | View |
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1 office in Castro Valley 3396 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 3.54% |
Conventional, FHA, Jumbo, HELOC | 5 +7 HELOCs |
0.6% | 55.6% | $731,000 | View |
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4055 E Castro Valley Blvd, Castro Valley, CA 94552 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 8 +12 HELOCs |
1% | 80% | $751,250 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 8 +3 HELOCs |
1% | 100% | $838,750 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 8 +3 HELOCs |
1% | 78.6% | $837,500 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 7 | 0.9% | 100% | $530,714 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 5 +4 HELOCs |
0.6% | 100% | $979,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 5 +4 HELOCs |
0.6% | 71.4% | $1,081,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 5 | 0.6% | 100% | $903,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 4 +1 HELOCs |
0.5% | 100% | $497,500 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 0.5% | 100% | $1,260,000 | View |
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3365 Castro Valley Blvd, Castro Valley, CA 94546 A+5.0 ★Texas Ratio: 1.28% |
Conventional, HELOC | 3 +14 HELOCs |
0.4% | 100% | $355,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 3 | 0.4% | 100% | $1,028,333 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $1,005,000 | View |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 100% | $170,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $975,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 2 | 0.2% | 100% | $485,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 0.2% | 100% | $200,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 0.2% | 50% | $885,000 | View |
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1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 2 | 0.2% | 100% | $785,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $845,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.1% | 100% | $1,605,000 | View |
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1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $905,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
FHA, Jumbo | 1 | 0.1% | 100% | $1,235,000 | |
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350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.1% | 100% | $945,000 | View |
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300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77% |
VA | 1 | 0.1% | 100% | $665,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.1% | 100% | $955,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 50% | $75,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 22 | 2.7% | 100% | $818,636 | |
AmWest Funding Corp
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Conventional, Jumbo | 21 | 2.6% | 95.5% | $758,809 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 19 | 2.3% | 100% | $856,578 | |
Pennymac Loan Services LLC
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Conventional | 17 | 2.1% | 94.7% | $669,117 | |
New American Funding, LLC.
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Conventional, FHA | 14 | 1.7% | 93.3% | $722,142 | |
Googain, Inc.
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Conventional, Jumbo | 13 | 1.6% | 100% | $750,384 | |
loanDepot.com LLC
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Conventional, FHA, Jumbo, HELOC | 12 +1 HELOCs |
1.5% | 80% | $725,833 | |
Kind Lending, LLC
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Conventional, FHA | 9 | 1.1% | 90% | $750,555 | |
Nmsi, Inc.
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Conventional | 8 | 1% | 100% | $686,250 | |
Provident Funding Associates
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Conventional | 7 | 0.9% | 100% | $593,571 | |
Guild Mortgage Company
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Conventional | 4 | 0.5% | 100% | $372,500 | |
Fidelity Lending Solutions Inc
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Conventional, Jumbo | 4 | 0.5% | 100% | $967,500 | |
Nexera Holding LLC
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Conventional | 4 | 0.5% | 100% | $807,500 | |
AAA Capital Investment, Inc
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Conventional | 2 | 0.2% | 100% | $565,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.2% | 100% | $830,000 | |
Resicentral LLC
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Conventional | 2 | 0.2% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 2 | 0.2% | 100% | $1,315,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 0.2% | 100% | $620,000 | View |
The Police Credit Union of California
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Conventional | 2 | 0.2% | 100% | $180,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.2% | 66.7% | $645,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 0.2% | 66.7% | $1,175,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.2% | 100% | $795,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $625,000 | |
Vista Point Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $925,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $855,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $715,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.1% | 100% | $605,000 | |
Bridgeway Lending Partners, LLC
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Conventional | 1 | 0.1% | 100% | $705,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $345,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.1% | 100% | $705,000 | |
Victoria Financial Corp
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.1% | 100% | $355,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $505,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.1% | 100% | $775,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $815,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $965,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.1% | 100% | $675,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $35,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 50% | $235,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $1,045,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 97 | 11.9% | 81.7% | $653,144 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 76 +9 HELOCs |
9.3% | 86.7% | $765,131 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 21 | 2.6% | 95.5% | $897,380 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 15 +2 HELOCs |
1.8% | 100% | $1,425,666 | |
Kbhs Home Loans, LLC
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Conventional, FHA, Jumbo | 14 | 1.7% | 73.7% | $764,285 | |
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A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo, HELOC | 11 +1 HELOCs |
1.4% | 100% | $848,636 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, HELOC | 9 +5 HELOCs |
1.1% | 85.7% | $748,333 | View |
Spring Eq, LLC
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Conventional, HELOC | 7 +3 HELOCs |
0.9% | 61.5% | $235,000 | |
Nationstar Mortgage
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Conventional | 7 | 0.9% | 87.5% | $503,571 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 6 | 0.7% | 100% | $996,666 | View |
Sage Home Loans Corporation
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Conventional | 6 | 0.7% | 100% | $683,333 | |
Fairway Independent Mort Corp
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Conventional | 6 | 0.7% | 100% | $855,000 | |
The Loan Store, Inc
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Conventional | 5 | 0.6% | 62.5% | $511,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 4 | 0.5% | 100% | $590,000 | View |
Originpoint, LLC
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Conventional, Jumbo | 4 | 0.5% | 100% | $887,500 | |
Newrez LLC
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Conventional, VA | 4 | 0.5% | 30.8% | $567,500 | |
Union Home Mortgage Corp.
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Conventional | 4 | 0.5% | 100% | $787,500 | |
Ameritrust Mortgage Corporation
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Conventional | 4 | 0.5% | 100% | $805,000 | |
Vellum Mortgage, Inc.
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Conventional | 4 | 0.5% | 100% | $712,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.4% | 75% | $615,000 | |
Everett Financial, Inc.
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Conventional | 3 | 0.4% | 100% | $948,333 | |
Nbkc Bank
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Conventional | 3 | 0.4% | 100% | $561,666 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 3 | 0.4% | 100% | $678,333 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 3 | 0.4% | 100% | $1,238,333 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 0.4% | 75% | $1,155,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +5 HELOCs |
0.2% | 66.7% | $145,000 | View |
Quorum Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 75% | $235,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.2% | 100% | $380,000 | |
Primelending
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Conventional | 2 | 0.2% | 100% | $815,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.2% | 55.6% | $710,000 | |
Freedom Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $615,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.2% | 66.7% | $655,000 | |
Planet Home Lending, LLC
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Conventional, FHA, Jumbo | 2 | 0.2% | 100% | $975,000 | |
Mortgage Research Center
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VA | 2 | 0.2% | 100% | $750,000 | |
First Technology Federal Credit Union
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Conventional | 2 | 0.2% | 100% | $610,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.2% | 100% | $460,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $215,000 | View |
Pacific Residential Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Arc Home LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.1% | 100% | $275,000 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $585,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $835,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $685,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 6.2% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 20% | $75,000 | |
Lennar Mortgage, LLC
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Conventional | 1 | 0.1% | 50% | $1,205,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.1% | 100% | $1,165,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 66.7% | $85,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Bay Equity LLC
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Conventional | 1 | 0.1% | 100% | $665,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $675,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $1,165,000 | View |
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A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.1% | 100% | $1,155,000 | View |
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A+5.0 ★Texas Ratio: 2.98% |
Conventional | 1 | 0.1% | 100% | $1,145,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 33.3% | $785,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $895,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.1% | 100% | $555,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.1% | 100% | $1,165,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 50% | $735,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +6 HELOCs |
0% | 0% | ||
Alliant Credit Union
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Movement Mortgage, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Consumers Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Castro Valley 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 Castro Valley, California
Looking for mortgage lenders near me or mortgage brokers near me in Castro Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Castro Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Castro Valley, CA
Use these to narrow the list above. Each category shows how many Castro Valley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Castro Valley, CA
Independent mortgage companies closed 64.6 percent of home loans in Castro Valley, California in 2025, banks 27.5 percent and credit unions 7.9 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Bank of America NA the largest bank and Patelco Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 37 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 Castro Valley, CA
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Castro Valley, California with 37 loans, about 4.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Castro Valley, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 86.7 percent, against a 86 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Castro Valley, California in 2025, led by New American Funding, LLC. with 7. 7 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 33 banks and 27 credit unions closed home loans in Castro Valley, California in 2025, alongside 92 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 Castro Valley, 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 Castro Valley, 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 Castro Valley. 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.
