Mortgage Lenders and Brokers in Los Altos, 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
Los Altos, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA100 Main St, Los Altos, CA 94022A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA227 S San Antonio Rd, Los Altos, CA 94022A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA130 Main St, Los Altos, CA 94022A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA400 S San Antonio Rd, Los Altos, CA 94022A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.300 Main St, Los Altos, CA 94022A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA176 Main St, Los Altos, CA 94022A+5.0 ★Texas Ratio: 3.54%, Hsbc Bank USA, NAHsbc Bank USA, NA1107 S Baldwin Ave, Arcadia, CA 91007A+5.0 ★Texas Ratio: 4.86%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Star One Credit UnionStar One Credit Union495 S San Antonio Rd, Los Altos, CA 94022 3618A+5.0 ★Texas Ratio: 0.64%, and Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%. 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 Los Altos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Los Altos 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 Los Altos, California
Market share is the lender's share of all home loans closed in Los Altos, 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 Los Altos 100 Main St, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 107 | 25.5% | 98.2% | $2,651,168 | View |
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1 office in Los Altos 227 S San Antonio Rd, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 57 +13 HELOCs |
13.6% | 93.4% | $2,457,280 | View |
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1 office in Los Altos 130 Main St, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 25 +2 HELOCs |
6% | 96.2% | $2,437,000 | View |
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1 office in Los Altos 400 S San Antonio Rd, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 24 +2 HELOCs |
5.7% | 92.3% | $1,723,750 | View |
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1 office in Los Altos 300 Main St, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 20 +3 HELOCs |
4.8% | 80.8% | $2,201,500 | View |
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1 office in Los Altos 176 Main St, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 7 +7 HELOCs |
1.7% | 77.8% | $2,335,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 27 +1 HELOCs |
6.4% | 100% | $3,413,888 | 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 | 15 +6 HELOCs |
3.6% | 100% | $3,051,666 | View |
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495 S San Antonio Rd, Los Altos, CA 94022 3618 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 5 +6 HELOCs |
1.2% | 50% | $681,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 4 +6 HELOCs |
1% | 100% | $1,592,500 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
1% | 100% | $2,137,500 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.5% | 66.7% | $940,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.5% | 100% | $2,930,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 66.7% | $1,935,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $130,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.2% | 50% | $3,255,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.2% | 100% | $4,505,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.2% | 100% | $3,005,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $505,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,375,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,505,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,325,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,705,000 | View |
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1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,895,000 | View |
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1 1st St, Los Altos, CA 94022 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.2% | 50% | $1,415,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.2% | 100% | $6,005,000 | View |
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10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
Googain, Inc.
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Conventional, Jumbo | 4 | 1% | 100% | $2,437,500 | |
loanDepot.com LLC
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Conventional | 3 | 0.7% | 60% | $411,666 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 2 | 0.5% | 66.7% | $1,245,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 2 | 0.5% | 40% | $2,055,000 | View |
Citadel Servicing Corporation
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Conventional, Jumbo | 2 | 0.5% | 100% | $2,435,000 | |
New American Funding, LLC.
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $3,005,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $3,995,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,225,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $3,305,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,995,000 | |
Intelliloan, Inc.
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Conventional | 1 | 0.2% | 100% | $435,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $985,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,465,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $775,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,255,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 24 +2 HELOCs |
5.7% | 100% | $2,467,083 | View |
Rocket Mortgage
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Conventional, Jumbo | 18 | 4.3% | 85.7% | $1,084,444 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 8 | 1.9% | 100% | $1,581,250 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 4 | 1% | 100% | $1,632,500 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 4 | 1% | 100% | $3,842,500 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.7% | 100% | $2,631,666 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.5% | 100% | $3,460,000 | View |
Arc Home LLC
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Conventional, Jumbo | 2 | 0.5% | 66.7% | $2,930,000 | |
Originpoint, LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,155,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 66.7% | $1,205,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.2% | 100% | $6,055,000 | View |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,005,000 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,975,000 | |
Fourleaf Federal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,345,000 | |
Newrez LLC
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.36% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,515,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $1,065,000 | |
Teachers Federal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,965,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Industrial and Commercial Bank of China (USA) NA
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Conventional | 1 | 0.2% | 100% | $775,000 | |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,125,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant 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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A+5.0 ★Texas Ratio: 0.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal 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 | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Los Altos 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 Los Altos, California
Looking for mortgage lenders near me or mortgage brokers near me in Los Altos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Los Altos in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Los Altos, CA
Use these to narrow the list above. Each category shows how many Los Altos, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Los Altos, CA
Independent mortgage companies closed 14.8 percent of home loans in Los Altos, California in 2025, banks 81.1 percent and credit unions 4.1 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 57 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 Los Altos, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Los Altos, California with 107 loans, about 25.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 57 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Los Altos, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 98.2 percent, against a 91.5 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. 31 banks and 14 credit unions closed home loans in Los Altos, California in 2025, alongside 32 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 Los Altos, 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 Los Altos, 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 Los Altos. 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.
