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Mortgage Lenders and Brokers in Los Gatos, California

Content reviewed by

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

Los Gatos, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA150 N Santa Cruz Ave, Los Gatos, CA 95030A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA780 Blossom Hill Rd, Los Gatos, CA 95032A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA275 Los Gatos Saratoga Rd, Los Gatos, CA 95030A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.127 N Santa Cruz Ave, Los Gatos, CA 95030A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA15879 Los Gatos Blvd, Los Gatos, CA 95032A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA308 N Santa Cruz Ave, Los Gatos, CA 95030A+5.0 ★Texas Ratio: 3.54%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, 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%, and Technology Credit UnionTechnology Credit Union10051 S De Anza Blvd, Cupertino, CA 95014 2105A+5.0 ★Texas Ratio: 3.57%. 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 Gatos, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Los Gatos 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 Gatos, California

Market share is the lender's share of all home loans closed in Los Gatos, 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
Wells Fargo Bank NA 2 offices in Los Gatos 150 N Santa Cruz Ave, Los Gatos, CA 95030 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	110	20%	88.8%	$1,886,636	View
Bank of America NA 1 office in Los Gatos 780 Blossom Hill Rd, Los Gatos, CA 95032 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	46 +17 HELOCs	8.4%	90.2%	$1,659,130	View
JPMorgan Chase Bank, NA 2 offices in Los Gatos 275 Los Gatos Saratoga Rd, Los Gatos, CA 95030 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	32 +2 HELOCs	5.8%	88.9%	$1,897,187	View
US Bank, N.A. 2 offices in Los Gatos 127 N Santa Cruz Ave, Los Gatos, CA 95030 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	30 +1 HELOCs	5.5%	85.7%	$1,864,333	View
Citibank, NA 1 office in Los Gatos 15879 Los Gatos Blvd, Los Gatos, CA 95032 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	30	5.5%	88.2%	$1,963,333	View
BMO Harris Bank NA 1 office in Los Gatos 308 N Santa Cruz Ave, Los Gatos, CA 95030 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	10 +9 HELOCs	1.8%	83.3%	$1,568,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	16 +14 HELOCs	2.9%	85.7%	$1,269,375	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	16 +2 HELOCs	2.9%	94.1%	$1,945,000	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	15 +5 HELOCs	2.7%	93.8%	$1,955,666	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	10 +6 HELOCs	1.8%	92.3%	$1,730,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	6 +8 HELOCs	1.1%	85.7%	$1,313,333	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.9%	100%	$1,851,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA, Jumbo	4	0.7%	100%	$1,892,500
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.5%	60%	$1,695,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.5%	100%	$2,555,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.4%	100%	$1,480,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.4%	100%	$1,290,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	2	0.4%	100%	$1,590,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	2	0.4%	100%	$705,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	2	0.4%	66.7%	$2,380,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.4%	66.7%	$205,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +5 HELOCs	0.2%	25%	$405,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	1 +5 HELOCs	0.2%	100%	$505,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$605,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	1 +2 HELOCs	0.2%	66.7%	$835,000	View
Provident Credit Union 15425 Los Gatos Blvd, Los Gatos, CA 95032 2553 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$705,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo	1	0.2%	100%	$1,765,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.2%	100%	$55,000	View
Bank of the Orient 1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57%	Conventional	1	0.2%	100%	$955,000	View
The Northern Trust Co 2049 Century Park E, Los Angeles, CA 90067 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	1	0.2%	100%	$5,205,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	1	0.2%	100%	$2,315,000	View
Keypoint Credit Union 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
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	HELOC	0 +1 HELOCs	0%	n/a		View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +1 HELOCs	0%	n/a		View
San Diego County Credit Union 2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52%	HELOC	0 +1 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
New American Funding, LLC.	Conventional, Jumbo, HELOC	7 +1 HELOCs	1.3%	100%	$1,223,571
Pennymac Loan Services LLC	Conventional, Jumbo	6	1.1%	60%	$1,338,333
AmWest Funding Corp	Conventional, Jumbo	5	0.9%	100%	$1,735,000
Nexera Holding LLC	Conventional, Jumbo	5	0.9%	100%	$1,711,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	4	0.7%	100%	$1,340,000
Googain, Inc.	Conventional, Jumbo	3	0.5%	100%	$1,128,333
Kind Lending, LLC	Conventional, Jumbo	2	0.4%	100%	$1,460,000
Resicentral LLC	Conventional	2	0.4%	100%	$750,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	2	0.4%	66.7%	$1,325,000	View
Hightechlending, Inc	Conventional	2	0.4%	100%	$1,100,000
AAA Capital Investment, Inc	Conventional	1	0.2%	100%	$705,000
loanDepot.com LLC	VA	1	0.2%	100%	$855,000
Guild Mortgage Company	Conventional	1	0.2%	50%	$285,000
General Mortgage Capital Corporation	Conventional	1	0.2%	100%	$705,000
Fidelity Lending Solutions Inc	Conventional	1	0.2%	100%	$515,000
Bay-Valley Mortgage Group	Conventional	1	0.2%	100%	$615,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0.2%	100%	$2,235,000
New Wave Lending Group Inc	Conventional	1	0.2%	100%	$665,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.2%	100%	$755,000
Provident Funding Associates	Conventional	1	0.2%	100%	$755,000
Hometown Equity Mortgage, LLC	Conventional	1	0.2%	50%	$505,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0.2%	100%	$2,025,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.2%	100%	$1,365,000
Vista Point Mortgage, LLC	Conventional	1	0.2%	50%	$125,000
JMAC Lending, Inc.	Conventional, Jumbo	1	0.2%	100%	$2,005,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Rocket Mortgage	Conventional, Jumbo	22	4%	79.3%	$888,636
United Wholesale Mortgage	Conventional, Jumbo, HELOC	19 +5 HELOCs	3.5%	79.2%	$1,498,684
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	17	3.1%	100%	$2,113,235	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	16 +2 HELOCs	2.9%	90.5%	$1,868,125	View
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	12 +1 HELOCs	2.2%	100%	$1,363,333
Guaranteed Rate, Inc.	Conventional, Jumbo	10	1.8%	100%	$1,517,000
Originpoint, LLC	Conventional, Jumbo	8	1.5%	88.9%	$1,665,000
Prosperity Home Mortgage, LLC	Conventional, Jumbo	4	0.7%	100%	$755,000
The Loan Store, Inc	Conventional, Jumbo	4	0.7%	100%	$1,187,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.5%	100%	$1,291,666	View
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	2	0.4%	66.7%	$1,695,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.4%	100%	$1,555,000	View
United Nations Federal CU	Conventional	2	0.4%	100%	$1,110,000
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.2%	50%	$1,805,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$685,000	View
Primelending	Conventional, Jumbo	1	0.2%	100%	$2,235,000
Success Lending, LLC	Conventional	1	0.2%	100%	$1,125,000
Newrez LLC	Conventional	1	0.2%	20%	$395,000
Movement Mortgage, LLC	Conventional, Jumbo	1	0.2%	100%	$1,995,000
Amerisave Mortgage Company	Conventional	1	0.2%	50%	$105,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo	1	0.2%	50%	$1,875,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo	1	0.2%	100%	$1,935,000	View
Union Home Mortgage Corp.	Conventional	1	0.2%	100%	$1,005,000
Bay Equity LLC	Conventional, Jumbo	1	0.2%	100%	$1,765,000
Nfm, Inc	Conventional, Jumbo	1	0.2%	100%	$2,065,000
Nationstar Mortgage	Conventional	1	0.2%	50%	$255,000
Better Mortgage Corporation	Conventional, Jumbo	1	0.2%	100%	$1,455,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.2%	100%	$1,205,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.2%	100%	$755,000	View
Ark-La-Tex Financial Services LLC	VA	1	0.2%	100%	$955,000
Tomo Mortgage LLC	Conventional	1	0.2%	100%	$855,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +6 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +2 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	HELOC	0 +1 HELOCs	0%	n/a
Spring Eq, LLC	HELOC	0 +1 HELOCs	0%	0%

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.

Los Gatos 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 Los Gatos, California

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

Types of Mortgage Lenders in Los Gatos, CA

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

Mortgage companies and brokers 51 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 32 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 1 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 2 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 55 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 51 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Los Gatos, CA

Independent mortgage companies closed 28.4 percent of home loans in Los Gatos, California in 2025, banks 63.6 percent and credit unions 8 percent. Synergy One Lending, Inc. 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 46 loans.

28.4%

Mortgage companies

63.6%

Banks

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 Los Gatos, CA

Who is the largest mortgage lender in Los Gatos, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Los Gatos, California with 110 loans, about 20 percent of the market. The largest lender headquartered in California was Bank of America NA with 46 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Los Gatos, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 88.8 percent, against a 87.1 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 Los Gatos, CA mortgage lenders offer FHA, VA and USDA loans?

1 lenders closed FHA loans in Los Gatos, California in 2025, led by Synergy One Lending, Inc. with 1. 2 lenders closed VA loans, led by loanDepot.com LLC. 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 Los Gatos, CA lender list?

Yes. 32 banks and 26 credit unions closed home loans in Los Gatos, California in 2025, alongside 51 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 Los Gatos, CA ranked on this page?

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