Mortgage Lenders and Brokers in East Palo Alto, 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
East Palo Alto, California mortgage lenders include US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Monterra Credit UnionMonterra Credit Union1735 E Bayshore Rd, East Palo Alto, CA 94303A+5.0 ★Texas Ratio: 2.93%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, Technology Credit UnionTechnology Credit Union10051 S De Anza Blvd, Cupertino, CA 95014 2105A+5.0 ★Texas Ratio: 3.57%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%, 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 East Palo Alto, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in East Palo Alto 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 East Palo Alto, California
Market share is the lender's share of all home loans closed in East Palo Alto, 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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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 14 | 8% | 82.4% | $1,008,571 | View |
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1735 E Bayshore Rd, East Palo Alto, CA 94303 A+5.0 ★Texas Ratio: 2.93% |
Conventional, HELOC | 9 +5 HELOCs |
5.1% | 76.9% | $467,222 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
3.4% | 87.5% | $1,560,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +3 HELOCs |
2.8% | 100% | $957,000 | View |
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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 2.8% | 71.4% | $703,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, FHA | 3 | 1.7% | 100% | $791,666 | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 3 | 1.7% | 100% | $415,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 1.7% | 100% | $1,031,666 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, HELOC | 2 +4 HELOCs |
1.1% | 100% | $435,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 2 | 1.1% | 66.7% | $1,035,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional | 2 | 1.1% | 100% | $160,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $735,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
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200 E Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.6% | 100% | $475,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.6% | 100% | $1,145,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.6% | 100% | $1,025,000 | View |
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325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84% |
Conventional | 1 | 0.6% | 100% | $675,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $1,025,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.6% | 50% | $405,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
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5731 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.6% | 100% | $675,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.6% | 100% | $505,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 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% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 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 | |
Googain, Inc.
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Conventional | 5 | 2.8% | 100% | $685,000 | |
AmWest Funding Corp
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Conventional, HELOC | 4 +1 HELOCs |
2.3% | 100% | $682,500 | |
General Mortgage Capital Corporation
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Conventional | 4 | 2.3% | 100% | $627,500 | |
Land Home Financial Services,
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Conventional, FHA | 3 | 1.7% | 100% | $988,333 | |
New American Funding, LLC.
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Conventional | 3 | 1.7% | 75% | $538,333 | |
Nexera Holding LLC
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Conventional | 3 | 1.7% | 100% | $775,000 | |
Kind Lending, LLC
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Conventional | 2 | 1.1% | 66.7% | $815,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.1% | 100% | $335,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.1% | 100% | $850,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.6% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.6% | 50% | $425,000 | |
Resicentral LLC
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Conventional | 1 | 0.6% | 100% | $1,135,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.6% | 100% | $995,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.6% | 100% | $885,000 | View |
PFN Lending Group, Inc.
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Conventional | 1 | 0.6% | 100% | $95,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.6% | 100% | $625,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $855,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.6% | 100% | $805,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.6% | 100% | $945,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.6% | 100% | $785,000 | |
Carrington Mortgage Services LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,525,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.6% | 50% | $225,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 21 | 11.9% | 81.5% | $683,095 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 19 | 10.8% | 95.5% | $616,578 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 4 | 2.3% | 100% | $862,500 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,900,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $900,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 1.1% | 100% | $505,000 | View |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $755,000 | |
Arc Home LLC
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Conventional | 1 | 0.6% | 100% | $705,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.6% | 100% | $735,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 50% | $985,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,495,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.6% | 100% | $895,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 50% | $1,015,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $975,000 | |
Newrez LLC
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FHA | 1 | 0.6% | 50% | $725,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.6% | 50% | $705,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.6% | 100% | $435,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.6% | 100% | $855,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.6% | 100% | $875,000 | View |
Mortgage Research Center
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VA | 1 | 0.6% | 100% | $1,105,000 | |
Uif Corporation
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Conventional | 1 | 0.6% | 100% | $1,085,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $1,065,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 100% | $715,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
East Palo Alto 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 East Palo Alto, California
Looking for mortgage lenders near me or mortgage brokers near me in East Palo Alto? The list below shows the banks, credit unions and mortgage brokers that closed home loans in East Palo Alto in 2025, with lenders based there listed first.
Types of Mortgage Lenders in East Palo Alto, CA
Use these to narrow the list above. Each category shows how many East Palo Alto, CA lenders fit and what that kind of lender is usually best for.
Who Lends in East Palo Alto, CA
Independent mortgage companies closed 60.2 percent of home loans in East Palo Alto, California in 2025, banks 28.4 percent and credit unions 11.4 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Monterra Credit Union the largest credit union. Among lenders headquartered in California, Monterra Credit Union led with 9 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 East Palo Alto, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in East Palo Alto, California with 14 loans, about 8 percent of the market. The largest lender headquartered in California was Monterra Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in East Palo Alto, California in 2025, led by United Wholesale Mortgage with 4. 3 lenders closed VA loans, led by Rocket 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. 27 banks and 10 credit unions closed home loans in East Palo Alto, 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 East Palo Alto, 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 East Palo Alto, 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 East Palo Alto. 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.
