Mortgage Lenders and Brokers in Gilroy, 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
Gilroy, California mortgage lenders include US Bank, N.A.US Bank, N.A.790 1st St, Gilroy, CA 95020A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA777 1st St, Gilroy, CA 95020A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA7111 Camino Arroyo, Gilroy, CA 95020A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1177 1st St, Gilroy, CA 95020A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA7865 Monterey St, Gilroy, CA 95020A+5.0 ★Texas Ratio: 3.54%, Mechanics BankMechanics Bank805 1st St, Gilroy, CA 95020A+5.0 ★Texas Ratio: 1.81%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, Mirastar Federal Credit UnionMirastar Federal Credit Union6915 Camino Arroyo, Gilroy, CA 95020A5.0 ★Texas Ratio: 6.21%, and Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%. 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 Gilroy, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gilroy 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 Gilroy, California
Market share is the lender's share of all home loans closed in Gilroy, 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 Gilroy 790 1st St, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 25 +4 HELOCs |
3.4% | 80.6% | $814,200 | View |
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2 offices in Gilroy 777 1st St, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, Jumbo | 20 | 2.8% | 87% | $856,000 | View |
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1 office in Gilroy 7111 Camino Arroyo, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 16 +18 HELOCs |
2.2% | 100% | $837,500 | View |
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1 office in Gilroy 1177 1st St, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 12 +1 HELOCs |
1.7% | 81.2% | $830,833 | View |
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1 office in Gilroy 7865 Monterey St, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 3.54% |
Conventional, FHA, HELOC | 4 +9 HELOCs |
0.6% | 100% | $905,000 | View |
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1 office in Gilroy 805 1st St, Gilroy, CA 95020 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 17 +10 HELOCs |
2.3% | 73.1% | $316,764 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 17 | 2.3% | 100% | $945,000 | View |
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6915 Camino Arroyo, Gilroy, CA 95020 A5.0 ★Texas Ratio: 6.21% |
Conventional, HELOC | 11 +12 HELOCs |
1.5% | 73.3% | $177,727 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 8 | 1.1% | 100% | $865,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, Jumbo | 7 | 1% | 100% | $993,571 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional, HELOC | 6 +9 HELOCs |
0.8% | 100% | $125,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 4 +13 HELOCs |
0.6% | 100% | $800,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 4 +2 HELOCs |
0.6% | 80% | $912,500 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional | 4 | 0.6% | 100% | $667,500 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 80% | $601,666 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.4% | 100% | $308,333 | View |
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8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92% |
Conventional, HELOC | 2 +8 HELOCs |
0.3% | 66.7% | $120,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, HELOC | 2 +8 HELOCs |
0.3% | 100% | $555,000 | 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 | 2 +4 HELOCs |
0.3% | 100% | $650,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $980,000 | View |
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1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $645,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 2 | 0.3% | 100% | $930,000 | View |
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2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 1 | 0.1% | 50% | $165,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.1% | 100% | $125,000 | |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.1% | 50% | $675,000 | View |
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48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88% |
Conventional | 1 | 0.1% | 50% | $455,000 | 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% | 50% | $725,000 | View |
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265 Curtner Ave, San Jose, CA 95125 A4.9 ★Texas Ratio: 5.41% |
Conventional | 1 | 0.1% | 100% | $605,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +5 HELOCs |
0% | 50% | View | |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23% |
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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995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New American Funding, LLC.
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Conventional, FHA, Jumbo, HELOC | 25 +1 HELOCs |
3.4% | 96.2% | $779,800 | |
loanDepot.com LLC
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Conventional, FHA | 21 | 2.9% | 77.8% | $414,523 | |
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 20 | 2.8% | 100% | $743,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 15 | 2.1% | 93.8% | $794,333 | |
Googain, Inc.
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Conventional | 10 | 1.4% | 100% | $730,000 | |
Kind Lending, LLC
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Conventional, FHA, Jumbo | 8 | 1.1% | 61.5% | $722,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, Jumbo | 6 | 0.8% | 80% | $766,666 | View |
Paramount Residential Mortgage
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Conventional, FHA, VA | 5 | 0.7% | 100% | $939,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 5 | 0.7% | 100% | $705,000 | |
American Pacific Mortgage Corporation
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Conventional | 4 | 0.6% | 100% | $652,500 | |
Land Home Financial Services,
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Conventional, FHA | 3 | 0.4% | 100% | $725,000 | |
Provident Funding Associates
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Conventional | 3 | 0.4% | 100% | $695,000 | |
Citadel Servicing Corporation
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Conventional | 3 | 0.4% | 100% | $828,333 | |
AmWest Funding Corp
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 66.7% | $810,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,045,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.3% | 100% | $705,000 | |
Bay-Valley Mortgage Group
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Conventional | 2 | 0.3% | 100% | $865,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,400,000 | |
Ony Glo, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $790,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 0.3% | 100% | $445,000 | View |
Zillow Home Loans, LLC
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Conventional | 2 | 0.3% | 66.7% | $595,000 | |
Nexera Holding LLC
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Conventional | 2 | 0.3% | 100% | $500,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Resicentral LLC
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Conventional | 1 | 0.1% | 100% | $985,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.1% | 100% | $1,195,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.1% | 100% | $805,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,235,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.1% | 100% | $755,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,645,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Hightechlending, Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,805,000 | |
Evo Home Loans, LLC dba Epiq Lending
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Flexpoint, Inc.
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FHA | 1 | 0.1% | 100% | $765,000 | |
Greenbox Loans
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Conventional | 1 | 0.1% | 100% | $815,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $125,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Generations Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,345,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.1% | 33.3% | $615,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $835,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.1% | 100% | $735,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.1% | 33.3% | $915,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $575,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $885,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +10 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 99 | 13.6% | 84.2% | $558,636 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 66 +8 HELOCs |
9.1% | 88% | $784,393 | |
Kbhs Home Loans, LLC
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Conventional, FHA | 23 | 3.2% | 82.1% | $853,260 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, HELOC | 17 +7 HELOCs |
2.3% | 100% | $736,176 | |
Lennar Mortgage, LLC
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Conventional, FHA, Jumbo | 16 | 2.2% | 100% | $805,625 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 13 | 1.8% | 100% | $887,307 | |
Spring Eq, LLC
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Conventional, HELOC | 12 +3 HELOCs |
1.7% | 56.5% | $159,166 | |
Newrez LLC
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Conventional, FHA, VA, Jumbo | 10 | 1.4% | 76.9% | $828,000 | |
The Loan Store, Inc
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Conventional, HELOC | 8 +2 HELOCs |
1.1% | 100% | $537,500 | |
Guaranteed Rate, Inc.
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Conventional | 7 | 1% | 87.5% | $772,142 | |
Tri Pointe Connect, LLC
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Conventional, VA, Jumbo | 6 | 0.8% | 100% | $1,181,666 | |
Nationstar Mortgage
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Conventional | 6 | 0.8% | 66.7% | $251,666 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 5 | 0.7% | 100% | $707,000 | |
Freedom Mortgage Corporation
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FHA | 5 | 0.7% | 70% | $853,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 5 | 0.7% | 83.3% | $777,000 | View |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 5 | 0.7% | 100% | $913,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, USDA, HELOC | 4 +1 HELOCs |
0.6% | 80% | $502,500 | View |
Originpoint, LLC
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Conventional | 4 | 0.6% | 100% | $810,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 4 | 0.6% | 52.9% | $447,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.4% | 60% | $678,333 | |
Equity Prime Mortgage LLC
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Conventional, FHA | 3 | 0.4% | 100% | $815,000 | |
Citizens Equity First Credit U
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Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $550,000 | |
Valon Mortgage
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.3% | 66.7% | $810,000 | View |
American Financial Resources LLC
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Conventional | 2 | 0.3% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,395,000 | View |
Everett Financial, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $725,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.3% | 55.6% | $155,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.3% | 100% | $270,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 2 | 0.3% | 100% | $775,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.3% | 100% | $830,000 | View |
Mortgage Research Center
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VA, Jumbo | 2 | 0.3% | 33.3% | $1,070,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.3% | 100% | $850,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,995,000 | View |
21St Mortgage
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Conventional | 2 | 0.3% | 50% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +6 HELOCs |
0.1% | 100% | $45,000 | View |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +6 HELOCs |
0.1% | 100% | $895,000 | |
Shinhan Bank America
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Conventional | 1 | 0.1% | 100% | $985,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $725,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $695,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.1% | 100% | $945,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $755,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $775,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.1% | 100% | $865,000 | View |
Emporium Tpo LLC
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Conventional | 1 | 0.1% | 100% | $935,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $885,000 | |
Valley West Corporation
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FHA | 1 | 0.1% | 100% | $735,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $755,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 12.5% | $115,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 66.7% | $115,000 | |
Ameritrust Mortgage Corporation
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,495,000 | |
Foundation Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $705,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.1% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.1% | 100% | $545,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $865,000 | |
DHI Mortgage Company, LTD.
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Conventional | 1 | 0.1% | 100% | $805,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.1% | 100% | $905,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 50% | $655,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
Alliant Credit Union
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HELOC | 0 +12 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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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 | ||
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Gilroy 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 Gilroy, California
Looking for mortgage lenders near me or mortgage brokers near me in Gilroy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gilroy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gilroy, CA
Use these to narrow the list above. Each category shows how many Gilroy, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Gilroy, CA
Independent mortgage companies closed 72.2 percent of home loans in Gilroy, California in 2025, banks 19 percent and credit unions 8.8 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 16 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 Gilroy, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Gilroy, California with 25 loans, about 3.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Gilroy, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88 percent, against a 84.4 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.
30 lenders closed FHA loans in Gilroy, California in 2025, led by United Wholesale Mortgage with 22. 10 lenders closed VA loans, led by Rocket Mortgage, and 1 closed USDA rural loans. 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. 35 banks and 27 credit unions closed home loans in Gilroy, California in 2025, alongside 97 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 Gilroy, 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 Gilroy, 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 Gilroy. 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.
