Mortgage Lenders and Brokers in Cupertino, 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
Cupertino, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA23000 Homestead Rd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA20563 Stevens Creek Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA19300 Stevens Creek Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA10297 S De Anza Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.10381 S De Anza Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 2.85%, Hsbc Bank USA, NAHsbc Bank USA, NA10745 S De Anza Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 4.86%, BMO Harris Bank NABMO Harris Bank NA11111 N Wolfe Rd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 3.54%, East West BankEast West Bank19625 Stevens Creek Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 2.84%, Cathay BankCathay Bank20195 Stevens Creek Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 4.57%, and Zions Bancorporation, N.A.Zions Bancorporation, N.A.20541 Stevens Creek Blvd, Cupertino, CA 95014A+5.0 ★Texas Ratio: 3.72%. 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 Cupertino, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cupertino 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 Cupertino, California
Market share is the lender's share of all home loans closed in Cupertino, 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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2 offices in Cupertino 23000 Homestead Rd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 144 | 21.5% | 95.4% | $2,000,763 | View |
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4 offices in Cupertino 20563 Stevens Creek Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 122 +21 HELOCs |
18.2% | 95.3% | $1,897,295 | View |
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1 office in Cupertino 19300 Stevens Creek Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 51 +3 HELOCs |
7.6% | 96.3% | $1,849,901 | View |
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3 offices in Cupertino 10297 S De Anza Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 44 | 6.6% | 84.9% | $1,458,863 | View |
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1 office in Cupertino 10381 S De Anza Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 38 +5 HELOCs |
5.7% | 93% | $1,880,000 | View |
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1 office in Cupertino 10745 S De Anza Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 30 +1 HELOCs |
4.5% | 100% | $1,880,000 | View |
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1 office in Cupertino 11111 N Wolfe Rd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 25 +7 HELOCs |
3.7% | 92.6% | $2,079,000 | View |
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1 office in Cupertino 19625 Stevens Creek Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo, HELOC | 4 +6 HELOCs |
0.6% | 100% | $1,580,000 | View |
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1 office in Cupertino 20195 Stevens Creek Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.1% | 100% | $1,225,000 | View |
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1 office in Cupertino 20541 Stevens Creek Blvd, Cupertino, CA 95014 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | 100% | 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, HELOC | 12 +4 HELOCs |
1.8% | 92.3% | $1,584,166 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 8 +1 HELOCs |
1.2% | 88.9% | $1,458,750 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 8 | 1.2% | 90% | $1,946,250 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 7 +13 HELOCs |
1% | 73.3% | $949,285 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo, HELOC | 4 +16 HELOCs |
0.6% | 80% | $1,537,500 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 4 | 0.6% | 100% | $572,500 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 2 +6 HELOCs |
0.3% | 75% | $885,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.3% | 100% | $1,510,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.3% | 50% | $1,125,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 2 | 0.3% | 100% | $2,425,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +6 HELOCs |
0.1% | 100% | $405,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $555,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.1% | 100% | $2,665,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 1 | 0.1% | 100% | $2,295,000 | |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.1% | 33.3% | $425,000 | View |
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350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.1% | 50% | $605,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.1% | 100% | $1,025,000 | View |
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325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84% |
Conventional, Jumbo | 1 | 0.1% | 50% | $2,565,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.1% | 100% | $2,255,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,715,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Googain, Inc.
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Conventional, Jumbo | 11 | 1.6% | 100% | $1,223,181 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 4 | 0.6% | 100% | $1,305,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 2 | 0.3% | 66.7% | $980,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 2 | 0.3% | 100% | $2,300,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 2 | 0.3% | 66.7% | $2,935,000 | |
Provident Funding Associates
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Conventional | 2 | 0.3% | 100% | $555,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.3% | 100% | $730,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,035,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,285,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.1% | 100% | $1,195,000 | |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $1,155,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,985,000 | |
Bay-Valley Mortgage Group
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,305,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,505,000 | |
Greenbox Loans
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,805,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,375,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $1,055,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,745,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $325,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional | 24 | 3.6% | 77.4% | $611,666 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 16 | 2.4% | 100% | $2,025,000 | View |
Taylor Morrison Home Funding, Inc.
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Conventional, Jumbo | 10 | 1.5% | 90.9% | $1,244,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 10 | 1.5% | 90.9% | $1,810,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 8 | 1.2% | 100% | $1,660,000 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 6 +1 HELOCs |
0.9% | 100% | $986,666 | |
Originpoint, LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $2,030,000 | |
First Technology Federal Credit Union
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Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.3% | 100% | $1,575,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $1,920,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.3% | 100% | $370,000 | |
Newrez LLC
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Conventional | 2 | 0.3% | 66.7% | $915,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.1% | 100% | $2,285,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $1,165,000 | |
Pentagon Federal Credit Union
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VA, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $2,195,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $735,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 50% | $645,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.1% | 100% | $575,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $665,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 33.3% | $55,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.1% | 100% | $895,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $1,685,000 | |
Foundation Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $785,000 | View |
Beeline Loans, Inc.
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Conventional | 1 | 0.1% | 100% | $865,000 | |
Teachers Federal Credit Union
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Conventional, Jumbo | 1 | 0.1% | 100% | $3,565,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.1% | 100% | $975,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.1% | 100% | $45,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $1,205,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $805,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 100% | $715,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Hanscom Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Boeing Employees' Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
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 |
Cupertino 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 Cupertino, California
Looking for mortgage lenders near me or mortgage brokers near me in Cupertino? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cupertino in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cupertino, CA
Use these to narrow the list above. Each category shows how many Cupertino, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Cupertino, CA
Independent mortgage companies closed 17.3 percent of home loans in Cupertino, California in 2025, banks 77.6 percent and credit unions 5.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 122 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 Cupertino, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Cupertino, California with 144 loans, about 21.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 122 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cupertino, California, Citibank, NA approved the highest share of completed applications in 2025 at 96.3 percent, against a 92.1 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.
Yes. 32 banks and 22 credit unions closed home loans in Cupertino, California in 2025, alongside 46 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 Cupertino, 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 Cupertino, 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 Cupertino. 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.
