Mortgage Lenders and Brokers in Menlo Park, 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
Menlo Park, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA325 Sharon Park Dr, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA633 Santa Cruz Ave, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1215 El Camino Real, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.620 Santa Cruz Ave, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 2.85%, BMO Harris Bank NABMO Harris Bank NA701 Santa Cruz Ave, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 3.54%, Citizens Bank, NACitizens Bank, NA750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941A+5.0 ★Texas Ratio: 5.44%, Bny Mellon, N.A.Bny Mellon, N.A.3000 Sand Hill Rd Bldg 3 Ste 290, Menlo Park, CA 94025A+5.0 ★Texas Ratio: 0.37%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2770 Sand Hill Rd, Menlo Park, CA 94025A5.0 ★Texas Ratio: 7.72%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, and Hsbc Bank USA, NAHsbc Bank USA, NA1107 S Baldwin Ave, Arcadia, CA 91007A+5.0 ★Texas Ratio: 4.86%. 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 Menlo Park, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Menlo Park 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 Menlo Park, California
Market share is the lender's share of all home loans closed in Menlo Park, 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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2 offices in Menlo Park 325 Sharon Park Dr, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 52 | 16.5% | 98.1% | $2,078,653 | View |
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1 office in Menlo Park 633 Santa Cruz Ave, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 31 +9 HELOCs |
9.8% | 93.9% | $2,304,032 | View |
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2 offices in Menlo Park 1215 El Camino Real, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 25 +5 HELOCs |
7.9% | 84.4% | $2,354,200 | View |
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1 office in Menlo Park 620 Santa Cruz Ave, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 23 +2 HELOCs |
7.3% | 95.8% | $1,928,913 | View |
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1 office in Menlo Park 701 Santa Cruz Ave, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 13 +3 HELOCs |
4.1% | 87.5% | $2,063,461 | View |
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1 office in Menlo Park 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
1% | 75% | $2,638,333 | View |
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1 office in Menlo Park 3000 Sand Hill Rd Bldg 3 Ste 290, Menlo Park, CA 94025 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,005,000 | View |
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1 office in Menlo Park 2770 Sand Hill Rd, Menlo Park, CA 94025 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.3% | 66.7% | $2,245,000 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 15 | 4.8% | 93.8% | $2,295,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 14 | 4.4% | 100% | $2,554,285 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 12 +21 HELOCs |
3.8% | 100% | $1,054,166 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 8 | 2.5% | 90% | $2,787,500 | 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 | 6 +7 HELOCs |
1.9% | 100% | $1,661,666 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.6% | 100% | $1,785,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo | 2 | 0.6% | 100% | $4,315,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,730,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 2 | 0.6% | 100% | $2,225,000 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,390,000 | View |
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1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,550,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,855,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $405,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $725,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,865,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,405,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +2 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 | |
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2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 3 | 1% | 100% | $1,445,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, Jumbo | 3 | 1% | 100% | $1,801,666 | |
Googain, Inc.
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Conventional | 3 | 1% | 100% | $1,191,666 | |
Kind Lending, LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,655,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,955,000 | |
Royal Pacific Funding
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Conventional, Jumbo | 1 | 0.3% | 100% | $3,005,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $775,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,505,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $2,505,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 16 +2 HELOCs |
5.1% | 94.7% | $2,370,000 | View |
Rocket Mortgage
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Conventional, Jumbo | 10 | 3.2% | 83.3% | $864,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 8 +1 HELOCs |
2.5% | 88.9% | $838,750 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 7 | 2.2% | 100% | $1,965,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 4 | 1.3% | 100% | $627,500 | View |
Guaranteed Rate, Inc.
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Conventional | 3 | 1% | 100% | $818,333 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 3 | 1% | 100% | $1,175,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 3 | 1% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 0.6% | 100% | $3,490,000 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo | 2 | 0.6% | 100% | $2,750,000 | View |
Bay Equity LLC
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Conventional | 2 | 0.6% | 100% | $730,000 | |
Ameritrust Mortgage Corporation
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,380,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 0.6% | 100% | $940,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $145,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $1,005,000 | |
Freedom Mortgage Corporation
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VA, Jumbo | 1 | 0.3% | 100% | $2,165,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.3% | 100% | $4,435,000 | View |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.3% | 100% | $795,000 | |
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A+5.0 ★Texas Ratio: 2.48% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,505,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.3% | 50% | $1,005,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,605,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Menlo Park 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 Menlo Park, California
Looking for mortgage lenders near me or mortgage brokers near me in Menlo Park? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Menlo Park in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Menlo Park, CA
Use these to narrow the list above. Each category shows how many Menlo Park, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Menlo Park, CA
Independent mortgage companies closed 18.1 percent of home loans in Menlo Park, California in 2025, banks 75.9 percent and credit unions 6 percent. Synergy One Lending, Inc. 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 31 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 Menlo Park, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Menlo Park, California with 52 loans, about 16.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 31 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Menlo Park, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 98.1 percent, against a 93.6 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. 33 banks and 11 credit unions closed home loans in Menlo Park, California in 2025, alongside 25 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 Menlo Park, 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 Menlo Park, 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 Menlo Park. 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.
