Mortgage Lenders and Brokers in Half Moon Bay, 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
Half Moon Bay, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA132 San Mateo Rd, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.50 Cabrillo Hwy N, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA80 Cabrillo Hwy Ste E, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA620 Main St, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 4.14%, Tri Counties BankTri Counties Bank756 Main St, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 5.34%, Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%, Monterra Credit UnionMonterra Credit Union40 Cabrillo Hwy N, Half Moon Bay, CA 94019A+5.0 ★Texas Ratio: 2.93%, Mechanics BankMechanics Bank801 San Pablo Ave, Albany, CA 94706A+5.0 ★Texas Ratio: 1.81%, Columbia BankColumbia Bank3700 Lone Tree Way, Antioch, CA 94509A+5.0 ★Texas Ratio: 2.28%, and San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%. 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 Half Moon Bay, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Half Moon Bay 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 Half Moon Bay, California
Market share is the lender's share of all home loans closed in Half Moon Bay, 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 Half Moon Bay 132 San Mateo Rd, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 7 | 5.9% | 77.8% | $1,419,285 | View |
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1 office in Half Moon Bay 50 Cabrillo Hwy N, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
4.2% | 83.3% | $1,251,000 | View |
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1 office in Half Moon Bay 80 Cabrillo Hwy Ste E, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 3.4% | 100% | $1,497,500 | View |
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1 office in Half Moon Bay 620 Main St, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
2.5% | 100% | $1,118,333 | View |
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1 office in Half Moon Bay 756 Main St, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, HELOC | 4 +1 HELOCs |
3.4% | 100% | $620,000 | View |
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40 Cabrillo Hwy N, Half Moon Bay, CA 94019 A+5.0 ★Texas Ratio: 2.93% |
Conventional, HELOC | 2 +3 HELOCs |
1.7% | 100% | $485,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 2 | 1.7% | 100% | $740,000 | View |
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3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.8% | 100% | $905,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 100% | $425,000 | 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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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
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 | |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 4 | 3.4% | 100% | $1,107,500 | |
Stg Mortgage Inc
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Conventional, VA, Jumbo | 2 | 1.7% | 100% | $1,120,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,545,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 1 | 0.8% | 50% | $1,275,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.8% | 100% | $905,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.8% | 100% | $1,165,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.8% | 100% | $775,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $155,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 100% | $595,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 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, Jumbo, HELOC | 16 +1 HELOCs |
13.6% | 84.2% | $853,750 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 14 +2 HELOCs |
11.9% | 93.3% | $1,010,714 | |
Originpoint, LLC
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Conventional, Jumbo | 4 | 3.4% | 100% | $640,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 4 | 3.4% | 100% | $910,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 3.4% | 100% | $257,500 | |
Credit Human Federal Credit Un
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Conventional | 3 | 2.5% | 90% | $295,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 2.5% | 100% | $1,105,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 2.5% | 100% | $901,666 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 1.7% | 100% | $1,185,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 2 | 1.7% | 100% | $990,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $545,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 1 | 0.8% | 50% | $1,935,000 | |
Primelending
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,255,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.8% | 100% | $545,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $965,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.8% | 100% | $805,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.8% | 100% | $905,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $1,175,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 100% | $1,085,000 | |
Valon Mortgage
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Conventional | 1 | 0.8% | 100% | $405,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.8% | 100% | $655,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $995,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $715,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $1,185,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.8% | 100% | $705,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $805,000 | |
Luxury Mortgage Corp.
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,705,000 | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Alliant Credit Union
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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 |
Half Moon Bay 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 Half Moon Bay, California
Looking for mortgage lenders near me or mortgage brokers near me in Half Moon Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Half Moon Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Half Moon Bay, CA
Use these to narrow the list above. Each category shows how many Half Moon Bay, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Half Moon Bay, CA
Independent mortgage companies closed 61.9 percent of home loans in Half Moon Bay, California in 2025, banks 28 percent and credit unions 10.2 percent. Pennymac Loan Services LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and Stanford Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 3 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 Half Moon Bay, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Half Moon Bay, California with 7 loans, about 5.9 percent of the market. The largest lender headquartered in California was Bank of America NA with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Half Moon Bay, California in 2025, led by Rocket Mortgage with 1. 1 lenders closed VA loans, led by Stg Mortgage Inc. 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. 17 banks and 10 credit unions closed home loans in Half Moon Bay, California in 2025, alongside 35 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 Half Moon Bay, 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 Half Moon Bay, 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 Half Moon Bay. 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.
