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Mortgage Lenders and Brokers in Hayward, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Hayward, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA255 W Jackson St, Hayward, CA 94544A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1172 A St, Hayward, CA 94541A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1253 A St, Hayward, CA 94541A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.27000 Hesperian Blvd, Hayward, CA 94545A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA22548 2nd St, Hayward, CA 94541A+5.0 ★Texas Ratio: 2.82%, Fremont BankFremont Bank1679 Industrial Pkwy W, Hayward, CA 94544A+5.0 ★Texas Ratio: 4.11%, BMO Harris Bank NABMO Harris Bank NA25800 Carlos Bee Blvd, Hayward, CA 94542A+5.0 ★Texas Ratio: 3.54%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.31924 Crown Valley Rd, Acton, CA 93510A+5.0 ★Texas Ratio: 3.72%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, 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 Hayward, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hayward 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 Hayward, California

Market share is the lender's share of all home loans closed in Hayward, 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
JPMorgan Chase Bank, NA 2 offices in Hayward 255 W Jackson St, Hayward, CA 94544 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	47 +3 HELOCs	3.8%	88.9%	$679,255	View
Wells Fargo Bank NA 2 offices in Hayward 1172 A St, Hayward, CA 94541 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	38	3.1%	86.4%	$686,578	View
Bank of America NA 1 office in Hayward 1253 A St, Hayward, CA 94541 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	35 +33 HELOCs	2.8%	85.4%	$875,857	View
US Bank, N.A. 2 offices in Hayward 27000 Hesperian Blvd, Hayward, CA 94545 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	29 +12 HELOCs	2.4%	59.6%	$758,448	View
Citibank, NA 1 office in Hayward 22548 2nd St, Hayward, CA 94541 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	27 +5 HELOCs	2.2%	96.6%	$804,629	View
Fremont Bank 1 office in Hayward 1679 Industrial Pkwy W, Hayward, CA 94544 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	14 +42 HELOCs	1.1%	73.7%	$249,285	View
BMO Harris Bank NA 2 offices in Hayward 25800 Carlos Bee Blvd, Hayward, CA 94542 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	10 +11 HELOCs	0.8%	76.9%	$829,000	View
Zions Bancorporation, N.A. 1 office in Hayward 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +1 HELOCs	0.2%	50%	$760,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	27 +8 HELOCs	2.2%	93.1%	$723,888	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	17 +4 HELOCs	1.4%	81%	$789,705	View
Patelco Credit Union 24703 Amador St, Hayward, CA 94544 1832 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	15 +17 HELOCs	1.2%	83.3%	$589,666	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, HELOC	12 +2 HELOCs	1%	88.2%	$610,833	View
Provident Credit Union 22302 Foothill Blvd, Hayward, CA 94541 2710 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	10 +2 HELOCs	0.8%	100%	$518,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	8	0.6%	100%	$645,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	7 +5 HELOCs	0.6%	58.3%	$599,285	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	5	0.4%	83.3%	$753,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional	5	0.4%	100%	$779,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.4%	60%	$299,000	View
1st UNITED CREDIT UNION 109 Review Way, Hayward, CA 94544 A+5.0 ★Texas Ratio: 1.28%	Conventional, HELOC	4 +10 HELOCs	0.3%	36.4%	$200,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	4	0.3%	100%	$542,500	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional	4	0.3%	100%	$607,500	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$645,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	3 +1 HELOCs	0.2%	80%	$468,333	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional	3	0.2%	100%	$998,333	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.2%	100%	$960,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$505,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$690,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.2%	100%	$400,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	2	0.2%	50%	$860,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	2	0.2%	100%	$330,000	View
Nuvision Federal Credit Union 1030 La Playa Dr, Hayward, CA 94545 2142 A+5.0 ★Texas Ratio: 3.84%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$805,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$485,000	View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$125,000
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$25,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0.1%	100%	$1,105,000	View
Skyone Federal Credit Union ★ 4 stars, 1 review 777 S AVIATION BLVD, El Segundo, CA 90245 4848 A5.0 ★Texas Ratio: 10.57%	Conventional	1	0.1%	100%	$305,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$325,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0.1%	100%	$925,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$225,000	View
Southwestern National Bank 2951 W Ball Rd Unit 100, Anaheim, CA 92804 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$405,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	100%	$415,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	50%	$245,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$895,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +6 HELOCs	0%	0%		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	HELOC	0 +2 HELOCs	0%	n/a		View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +2 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	HELOC	0 +1 HELOCs	0%	n/a		View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Logix Federal Credit Union 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
AmWest Funding Corp	Conventional, Jumbo, HELOC	25 +4 HELOCs	2%	100%	$595,000
loanDepot.com LLC	Conventional, VA, HELOC	21 +4 HELOCs	1.7%	67.7%	$408,809
Pennymac Loan Services LLC	Conventional, FHA	18	1.5%	90%	$613,333
Googain, Inc.	Conventional	15	1.2%	100%	$597,666
General Mortgage Capital Corporation	Conventional	14	1.1%	93.3%	$540,000
American Pacific Mortgage Corporation	Conventional, FHA	13	1.1%	81.2%	$682,692
Provident Funding Associates	Conventional	12	1%	92.3%	$644,166
Nmsi, Inc.	Conventional, FHA, Jumbo	12	1%	100%	$676,666
New American Funding, LLC.	Conventional, HELOC	10 +1 HELOCs	0.8%	58.8%	$557,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	10	0.8%	78.6%	$720,000	View
New Wave Lending Group Inc	Conventional	7	0.6%	100%	$686,428
Land Home Financial Services,	Conventional, FHA	6	0.5%	100%	$718,333
JMAC Lending, Inc.	Conventional	6	0.5%	100%	$531,666
Cornerstone First Mortgage, LLC	Conventional, FHA	5	0.4%	100%	$525,000
Resicentral LLC	Conventional, FHA	5	0.4%	77.8%	$701,000
Sierra Pacific Mortgage Co. Inc	Conventional, VA, HELOC	4 +1 HELOCs	0.3%	100%	$542,500
Guild Mortgage Company	Conventional	4	0.3%	66.7%	$385,000
Mission Loans, LLC	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	75%	$355,000
Mason-McDuffie Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$735,000
Golden Empire Mortgage, Inc.	Conventional, FHA	3	0.2%	100%	$248,333
5Th Sreet Capital Inc.	Conventional	3	0.2%	100%	$441,666
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.2%	100%	$1,165,000
Royal Pacific Funding	Conventional, FHA, Jumbo	3	0.2%	100%	$998,333
Stg Mortgage Inc	Conventional	3	0.2%	100%	$438,333
Franklin Loan Corporation	Conventional, FHA	3	0.2%	100%	$881,666
Ardri LLC	Conventional	3	0.2%	100%	$471,666
Citadel Servicing Corporation	Conventional	3	0.2%	80%	$345,000
Paramount Residential Mortgage	Conventional, FHA	3	0.2%	100%	$611,666
Nexera Holding LLC	Conventional	3	0.2%	75%	$651,666
Plaza Home Mortgage, Inc	Conventional, VA	3	0.2%	75%	$605,000
Alameda Mortgage Corporation	Conventional	2	0.2%	100%	$475,000
AAA Capital Investment, Inc	Conventional	2	0.2%	100%	$665,000
Kind Lending, LLC	Conventional, FHA	2	0.2%	33.3%	$510,000
The Police Credit Union of California	Conventional	2	0.2%	100%	$310,000
Cake Mortgage Corp.	Conventional	2	0.2%	100%	$710,000
Goodleap, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$85,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$645,000
Bridgeway Lending Partners, LLC	Conventional	1	0.1%	100%	$535,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$395,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$635,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$995,000
Constant Investments, Inc	Conventional	1	0.1%	100%	$585,000
Coast 2 Coast Funding Group, Inc	Conventional	1	0.1%	100%	$365,000
Ahl Funding	Conventional	1	0.1%	100%	$255,000
Hightechlending, Inc	Conventional	1	0.1%	100%	$175,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$535,000
American Finance House Lariba	Conventional	1	0.1%	100%	$605,000
Greenbox Loans	Conventional	1	0.1%	100%	$885,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$605,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$455,000
JSB Mortgage Corporation	Conventional	1	0.1%	100%	$685,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$355,000	View
Generations Home Loans, LLC	VA	1	0.1%	100%	$1,035,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$695,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$665,000
Zillow Home Loans, LLC	Conventional	1	0.1%	33.3%	$285,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$575,000
Figure Lending LLC	HELOC	0 +13 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	183	14.9%	78.8%	$539,754
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	124 +11 HELOCs	10.1%	85.1%	$686,935
CrossCountry Mortgage, LLC	Conventional, FHA	28	2.3%	100%	$548,928
The Loan Store, Inc	Conventional, HELOC	19 +8 HELOCs	1.5%	91.7%	$593,421
Ameritrust Mortgage Corporation	Conventional, FHA	15	1.2%	100%	$703,666
Everett Financial, Inc.	Conventional, VA, HELOC	14 +2 HELOCs	1.1%	93.3%	$440,000
Newrez LLC	Conventional, FHA, VA	14	1.1%	46.7%	$482,142
Triad Financial Services, Inc.	Conventional	13	1.1%	65.1%	$228,076
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	12 +1 HELOCs	1%	85.7%	$688,333
DHI Mortgage Company, LTD.	Conventional, FHA	12	1%	92.3%	$882,500
Spring Eq, LLC	Conventional, HELOC	11 +8 HELOCs	0.9%	28.2%	$145,909
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, HELOC	9 +2 HELOCs	0.7%	90%	$660,555	View
Nationstar Mortgage	Conventional, VA	8	0.6%	62.5%	$467,500
Guaranteed Rate Affinity, LLC	Conventional	7	0.6%	100%	$562,142
Lakeview Loan Servicing, LLC	Conventional, FHA	7	0.6%	25.7%	$347,857
21St Mortgage	Conventional	7	0.6%	38.9%	$233,571
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	6	0.5%	100%	$581,666	View
Freedom Mortgage Corporation	FHA, VA	6	0.5%	100%	$796,666
Vellum Mortgage, Inc.	Conventional, FHA	6	0.5%	100%	$541,666
Envoy Mortgage, Ltd	Conventional	5	0.4%	100%	$653,000
Fairway Independent Mort Corp	Conventional	5	0.4%	100%	$505,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	4 +4 HELOCs	0.3%	50%	$185,000
First Technology Federal Credit Union	Conventional, HELOC	4 +2 HELOCs	0.3%	100%	$925,000
Union Home Mortgage Corp.	Conventional	4	0.3%	100%	$615,000
Bay Equity LLC	Conventional	4	0.3%	100%	$667,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, FHA, Jumbo	4	0.3%	80%	$915,000	View
Sunward A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$778,333	View
Better Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.2%	60%	$321,666
Arc Home LLC	Conventional	3	0.2%	100%	$495,000
Credit Human Federal Credit Un	Conventional	3	0.2%	47.8%	$141,666
Teachers Federal Credit Union	Conventional	3	0.2%	100%	$795,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	3	0.2%	100%	$571,666	View
Uif Corporation	Conventional	3	0.2%	60%	$731,666
Mld Mortgage, Inc.Dba the Money Store	Conventional	3	0.2%	100%	$755,000
Champions Funding, LLC	Conventional	3	0.2%	100%	$501,666
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	3	0.2%	100%	$658,333	View
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.2%	100%	$450,000
Primelending	Conventional	2	0.2%	100%	$175,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$750,000
Dart Bank	Conventional, Jumbo	2	0.2%	100%	$1,055,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.2%	100%	$775,000	View
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.2%	100%	$415,000
Amerisave Mortgage Company	Conventional	2	0.2%	9.5%	$65,000
Prosperity Home Mortgage, LLC	Conventional	2	0.2%	100%	$800,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$960,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +7 HELOCs	0.1%	25%	$115,000	View
Alliant Credit Union	Conventional, HELOC	1 +6 HELOCs	0.1%	33.3%	$685,000
Quorum Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000
Originpoint, LLC	Conventional, Jumbo	1	0.1%	50%	$1,845,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$935,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$765,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$815,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.1%	100%	$865,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$215,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$735,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$405,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$805,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$525,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$665,000
Loanunited.Com, LLC	Conventional	1	0.1%	100%	$775,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$445,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0.1%	100%	$625,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$725,000
First Colony Mortgage Corporat	FHA	1	0.1%	100%	$815,000
New Day Financial, LLC.	VA	1	0.1%	50%	$345,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$305,000
Planet Home Lending, LLC	FHA	1	0.1%	100%	$795,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$305,000	View
Nations Lending Corporation	FHA	1	0.1%	100%	$525,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$645,000	View
Golden Bank National Associati	Conventional	1	0.1%	100%	$865,000
Mortgage Research Center	VA	1	0.1%	33.3%	$405,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$525,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$705,000
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional	1	0.1%	50%	$225,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$1,015,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$605,000	View
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$845,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$75,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$555,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +11 HELOCs	0%	n/a		View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Angel Oak Mortgage Solutions LLC	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Hayward Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Hayward, California

Looking for mortgage lenders near me or mortgage brokers near me in Hayward? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hayward in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Hayward, CA

Use these to narrow the list above. Each category shows how many Hayward, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 41 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 37 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 14 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 21 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 97 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Hayward, CA

Independent mortgage companies closed 67.7 percent of home loans in Hayward, California in 2025, banks 23.3 percent and credit unions 8.9 percent. Change Lending was the largest mortgage company, JPMorgan Chase 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 35 loans.

67.7%

Mortgage companies

23.3%

Banks

8.9%

Credit unions

FHA loans

VA 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

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Hayward, CA

Who is the largest mortgage lender in Hayward, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Hayward, California with 47 loans, about 3.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 35 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Hayward, CA have the highest approval rates?

Among lenders with meaningful volume in Hayward, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 85.1 percent, against a 78.2 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.

Which Hayward, CA mortgage lenders offer FHA, VA and USDA loans?

37 lenders closed FHA loans in Hayward, California in 2025, led by Rocket Mortgage with 12. 14 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.

Are credit unions and local banks included in this Hayward, CA lender list?

Yes. 40 banks and 41 credit unions closed home loans in Hayward, California in 2025, alongside 119 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.

How are mortgage lenders in Hayward, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Hayward, 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 Hayward, 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 Hayward. 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.