Mortgage Lenders and Brokers in Millbrae, 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
Millbrae, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA490 Broadway, Millbrae, CA 94030A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA555 Broadway, Millbrae, CA 94030A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.475 El Camino Real, Millbrae, CA 94030A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA139 S El Camino Real, Millbrae, CA 94030A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA1000 Broadway, Millbrae, CA 94030A+5.0 ★Texas Ratio: 2.82%, Cathay BankCathay Bank1095 El Camino Real, Millbrae, CA 94030A+5.0 ★Texas Ratio: 4.57%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.300 Broadway, Millbrae, CA 94030A+5.0 ★Texas Ratio: 3.72%, Tri Counties BankTri Counties Bank1551 El Camino Real, Millbrae, CA 94030A+5.0 ★Texas Ratio: 5.34%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%. 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 Millbrae, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Millbrae 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 Millbrae, California
Market share is the lender's share of all home loans closed in Millbrae, 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 Millbrae 490 Broadway, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 23 | 11.3% | 100% | $1,482,826 | View |
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1 office in Millbrae 555 Broadway, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 14 +15 HELOCs |
6.9% | 100% | $1,196,428 | View |
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1 office in Millbrae 475 El Camino Real, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 13 +2 HELOCs |
6.4% | 86.7% | $1,293,461 | View |
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1 office in Millbrae 139 S El Camino Real, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 13 +1 HELOCs |
6.4% | 92.9% | $1,115,000 | View |
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1 office in Millbrae 1000 Broadway, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 9 +2 HELOCs |
4.4% | 100% | $1,357,222 | View |
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1 office in Millbrae 1095 El Camino Real, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 4.57% |
Conventional, Jumbo | 2 | 1% | 66.7% | $925,000 | View |
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1 office in Millbrae 300 Broadway, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | 66.7% | View | |
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1 office in Millbrae 1551 El Camino Real, Millbrae, CA 94030 A+5.0 ★Texas Ratio: 5.34% |
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% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
2.5% | 85.7% | $1,527,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 4 +1 HELOCs |
2% | 100% | $737,500 | 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 | 2 +8 HELOCs |
1% | 66.7% | $1,705,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
1% | 100% | $1,905,000 | View |
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209 Broadway, Millbrae, CA 94030 2507 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $805,000 | View |
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3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 1% | 100% | $255,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, Jumbo | 2 | 1% | 100% | $2,140,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 2 | 1% | 66.7% | $1,165,000 | View |
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5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional | 2 | 1% | 66.7% | $260,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo | 2 | 1% | 100% | $945,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $505,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 33.3% | $1,205,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.5% | 100% | $1,245,000 | 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 +1 HELOCs |
0.5% | 100% | $1,475,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $35,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.5% | 100% | $635,000 | View |
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500 Broadway, Millbrae, CA 94030 A-5.0 ★Texas Ratio: 15.57% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.5% | 100% | $1,115,000 | View |
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1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,925,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 16 | 7.8% | 100% | $1,053,125 | |
AmWest Funding Corp
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Conventional, Jumbo | 5 | 2.5% | 100% | $1,231,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 4 | 2% | 100% | $1,042,500 | |
Fidelity Lending Solutions Inc
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Conventional, Jumbo | 3 | 1.5% | 100% | $1,521,666 | |
Googain, Inc.
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Conventional, Jumbo | 3 | 1.5% | 100% | $1,161,666 | |
Kind Lending, LLC
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Conventional | 2 | 1% | 100% | $425,000 | |
loanDepot.com LLC
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Conventional | 2 | 1% | 100% | $75,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 2 | 1% | 50% | $1,260,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 2 | 1% | 100% | $845,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 2 | 1% | 100% | $1,965,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 1% | 66.7% | $1,445,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,405,000 | |
Resicentral LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,275,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $885,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.5% | 100% | $525,000 | |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 1 | 0.5% | 100% | $575,000 | |
The Police Credit Union of California
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Conventional | 1 | 0.5% | 100% | $305,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,565,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,165,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $435,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $1,005,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 13 | 6.4% | 68.4% | $1,039,615 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 9 +3 HELOCs |
4.4% | 90% | $796,111 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,325,000 | View |
Union Home Mortgage Corp.
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Conventional, Jumbo | 2 | 1% | 100% | $1,115,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 1% | 100% | $940,000 | View |
Originpoint, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,405,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,025,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $595,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $1,155,000 | |
HomeBridge Financial Services, Inc
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,805,000 | |
Ithink Financial Credit Union
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,005,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 50% | $955,000 | View |
Purdue Federal Cu
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,385,000 | |
The Loan Store, Inc
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,285,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.5% | 100% | $675,000 | |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 0.5% | 50% | $1,805,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 0.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Millbrae 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 Millbrae, California
Looking for mortgage lenders near me or mortgage brokers near me in Millbrae? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Millbrae in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Millbrae, CA
Use these to narrow the list above. Each category shows how many Millbrae, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Millbrae, CA
Independent mortgage companies closed 41.2 percent of home loans in Millbrae, California in 2025, banks 49.5 percent and credit unions 9.3 percent. General Mortgage Capital Corporation was the largest mortgage company, Wells Fargo Bank NA the largest bank and Provident Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 14 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 Millbrae, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Millbrae, California with 23 loans, about 11.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 18 credit unions closed home loans in Millbrae, 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 Millbrae, 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 Millbrae, 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 Millbrae. 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.
