Mortgage Lenders and Brokers in Morgan Hill, California
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Morgan Hill, California mortgage lenders include Bank of America NABank of America NA200 Cochrane Plz, Morgan Hill, CA 95037A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.500 Tennant Sta, Morgan Hill, CA 95037A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA17590 Monterey St, Morgan Hill, CA 95037A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA17599 Monterey St, Morgan Hill, CA 95037A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA17085 Monterey Rd, Morgan Hill, CA 95037A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA206 Tennant Sta, Morgan Hill, CA 95037A+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%, Synergy One Lending, Inc.Synergy One Lending, Inc.9600 Ming Ave Ste 146, Bakersfield, CA 93311, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. 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 Morgan Hill, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Morgan Hill 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 Morgan Hill, California
Market share is the lender's share of all home loans closed in Morgan Hill, 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 |
|---|---|---|---|---|---|---|
|
1 office in Morgan Hill 200 Cochrane Plz, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 52 +23 HELOCs |
6.6% | 98.1% | $1,066,923 | View |
|
1 office in Morgan Hill 500 Tennant Sta, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, Jumbo, HELOC | 46 +8 HELOCs |
5.8% | 85.2% | $1,072,608 | View |
|
1 office in Morgan Hill 17590 Monterey St, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 42 | 5.3% | 95.5% | $1,359,047 | View |
|
1 office in Morgan Hill 17599 Monterey St, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 25 +3 HELOCs |
3.2% | 83.3% | $840,200 | View |
|
1 office in Morgan Hill 17085 Monterey Rd, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 21 +1 HELOCs |
2.6% | 91.3% | $1,232,619 | View |
|
1 office in Morgan Hill 206 Tennant Sta, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
0.8% | 66.7% | $1,696,666 | View |
|
10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 16 +16 HELOCs |
2% | 78.3% | $608,750 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 10 | 1.3% | 90.9% | $831,000 | |
|
8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 9 +3 HELOCs |
1.1% | 90% | $1,381,666 | View |
|
116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 8 | 1% | 80% | $852,500 | View |
|
9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 7 | 0.9% | 100% | $337,857 | View |
|
5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, Jumbo | 5 | 0.6% | 100% | $1,331,000 | View |
|
10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo, HELOC | 4 +6 HELOCs |
0.5% | 83.3% | $1,300,000 | View |
|
801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 4 | 0.5% | 83.3% | $2,045,000 | View |
|
1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21% |
Conventional, HELOC | 3 +7 HELOCs |
0.4% | 100% | $208,333 | View |
|
200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +7 HELOCs |
0.4% | 100% | $568,333 | View |
|
2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
0.4% | 100% | $788,333 | View |
|
2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, Jumbo | 3 | 0.4% | 100% | $1,368,333 | View |
|
10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 3 | 0.4% | 75% | $495,000 | View |
|
19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional, HELOC | 2 +14 HELOCs |
0.3% | 66.7% | $670,000 | View |
|
403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $880,000 | View |
|
2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30% |
Conventional, Jumbo | 2 | 0.3% | 66.7% | $1,660,000 | View |
|
3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 0.3% | 100% | $125,000 | View |
|
5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 2 | 0.3% | 100% | $2,665,000 | View |
|
2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,150,000 | View |
|
400 Tennant Sta, Morgan Hill, CA 95037 A+5.0 ★Texas Ratio: 1.92% |
Conventional, HELOC | 1 +28 HELOCs |
0.1% | 50% | $105,000 | View |
|
★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.1% | 100% | $1,585,000 | View |
|
1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $905,000 | View |
|
2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $1,165,000 | View |
|
415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.1% | 100% | $1,245,000 | View |
|
31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $1,035,000 | View |
|
1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.1% | 100% | $1,125,000 | View |
|
175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 1 | 0.1% | 100% | $665,000 | View |
|
500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
|
1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
|
350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 1 | 0.1% | 100% | $765,000 | View |
|
1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,615,000 | View |
|
1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.1% | 100% | $965,000 | View |
|
2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $1,155,000 | View |
|
1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53% |
Conventional, Jumbo | 1 | 0.1% | 100% | $2,425,000 | View |
|
840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
|
9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 25% | $1,205,000 | View |
|
9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 48 +3 HELOCs |
6.1% | 89.1% | $662,708 | |
Guild Mortgage Company
|
Conventional, VA, Jumbo | 25 | 3.2% | 96.2% | $718,200 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 13 | 1.6% | 100% | $787,307 | |
New American Funding, LLC.
|
Conventional, Jumbo, HELOC | 11 +2 HELOCs |
1.4% | 100% | $730,454 | |
American Pacific Mortgage Corporation
|
Conventional, Jumbo | 9 | 1.1% | 100% | $1,035,000 | |
Kind Lending, LLC
|
Conventional, FHA | 8 | 1% | 90% | $768,750 | |
Googain, Inc.
|
Conventional, Jumbo | 8 | 1% | 100% | $912,500 | |
AmWest Funding Corp
|
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
0.6% | 100% | $951,000 | |
General Mortgage Capital Corporation
|
Conventional, Jumbo | 5 | 0.6% | 100% | $989,000 | |
Nmsi, Inc.
|
Conventional, Jumbo | 4 | 0.5% | 100% | $1,360,000 | |
Paramount Residential Mortgage
|
Conventional, FHA, VA, Jumbo | 4 | 0.5% | 100% | $1,007,500 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA, Jumbo | 3 | 0.4% | 100% | $768,333 | View |
New Wave Lending Group Inc
|
Conventional, Jumbo | 3 | 0.4% | 100% | $991,666 | |
Provident Funding Associates
|
Conventional | 3 | 0.4% | 100% | $688,333 | |
Nexera Holding LLC
|
Conventional | 3 | 0.4% | 75% | $488,333 | |
AAA Capital Investment, Inc
|
Conventional | 2 | 0.3% | 100% | $525,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 2 | 0.3% | 100% | $705,000 | |
Augusta Financial, Inc.
|
Conventional | 2 | 0.3% | 100% | $755,000 | |
Resicentral LLC
|
Conventional, Jumbo | 2 | 0.3% | 66.7% | $1,190,000 | |
Fidelity Lending Solutions Inc
|
Conventional, Jumbo | 2 | 0.3% | 100% | $2,495,000 | |
Citadel Servicing Corporation
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,415,000 | |
ClearEdge Lending LLC
|
Conventional, Jumbo | 2 | 0.3% | 100% | $2,155,000 | |
Fundloans Capital
|
Conventional, Jumbo | 1 | 0.1% | 100% | $855,000 | |
Watermark Capital, Inc.
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,725,000 | |
Golden Empire Mortgage, Inc.
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,565,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.1% | 100% | $1,015,000 | |
Winprime Lending
|
Conventional, Jumbo | 1 | 0.1% | 100% | $2,005,000 | |
Royal Pacific Funding
|
Conventional | 1 | 0.1% | 100% | $795,000 | |
Greenbox Loans
|
Conventional | 1 | 0.1% | 100% | $1,155,000 | |
Land Home Financial Services,
|
Conventional | 1 | 0.1% | 100% | $1,205,000 | |
Franklin Loan Corporation
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,685,000 | |
Hometown Equity Mortgage, LLC
|
VA | 1 | 0.1% | 100% | $915,000 | |
T. J. Financial, Inc.
|
Conventional | 1 | 0.1% | 100% | $765,000 | |
SnapFi, Inc.
|
Conventional | 1 | 0.1% | 100% | $805,000 | |
Plaza Home Mortgage, Inc
|
FHA | 1 | 0.1% | 100% | $955,000 | |
Vista Point Mortgage, LLC
|
Conventional, Jumbo | 1 | 0.1% | 100% | $755,000 | |
JMAC Lending, Inc.
|
Conventional, Jumbo | 1 | 0.1% | 100% | $2,155,000 | |
Figure Lending LLC
|
HELOC | 0 +9 HELOCs |
0% | n/a | ||
Rocket Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 79 +1 HELOCs |
10% | 81.4% | $605,886 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 70 +8 HELOCs |
8.8% | 96% | $892,571 | |
Guaranteed Rate Affinity, LLC
|
Conventional, Jumbo, HELOC | 17 +3 HELOCs |
2.1% | 94.4% | $1,032,058 | |
CrossCountry Mortgage, LLC
|
Conventional, Jumbo | 16 | 2% | 100% | $913,125 | |
Guaranteed Rate, Inc.
|
Conventional, VA, Jumbo, HELOC | 12 +1 HELOCs |
1.5% | 100% | $820,833 | |
The Loan Store, Inc
|
Conventional, Jumbo | 9 | 1.1% | 100% | $879,444 | |
Nationstar Mortgage
|
Conventional | 7 | 0.9% | 77.8% | $290,714 | |
Toll Brothers Mortgage Company
|
Conventional, Jumbo | 6 | 0.8% | 90.9% | $910,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 6 | 0.8% | 100% | $1,393,333 | View |
Spring Eq, LLC
|
Conventional, HELOC | 5 +3 HELOCs |
0.6% | 23.8% | $213,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
0.6% | 83.3% | $1,647,000 | View |
Premier Mortgage Resources, LLC
|
Conventional | 4 | 0.5% | 100% | $665,000 | |
Amerisave Mortgage Company
|
Conventional | 4 | 0.5% | 50% | $372,500 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional | 4 | 0.5% | 100% | $895,000 | View |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.4% | 100% | $1,351,666 | View |
Originpoint, LLC
|
Conventional, Jumbo | 3 | 0.4% | 100% | $1,011,666 | |
Lakeview Loan Servicing, LLC
|
Conventional, VA, Jumbo | 3 | 0.4% | 71.4% | $1,075,000 | |
Newrez LLC
|
Conventional | 3 | 0.4% | 50% | $795,000 | |
Deephaven Mortgage LLC
|
Conventional, Jumbo | 3 | 0.4% | 100% | $1,055,000 | |
Credit Human Federal Credit Un
|
Conventional | 3 | 0.4% | 100% | $275,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 0.4% | 75% | $608,333 | View |
Logan Finance Corporation
|
Conventional, Jumbo | 3 | 0.4% | 100% | $2,501,666 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +5 HELOCs |
0.3% | 66.7% | $440,000 | |
Everett Financial, Inc.
|
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $610,000 | |
Citizens Equity First Credit U
|
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $520,000 | |
Freedom Mortgage Corporation
|
Conventional, FHA | 2 | 0.3% | 100% | $980,000 | |
Nbkc Bank
|
Conventional | 2 | 0.3% | 100% | $455,000 | |
Movement Mortgage, LLC
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,175,000 | |
Discover Bank
|
Conventional | 2 | 0.3% | 25% | $75,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 0.3% | 100% | $965,000 | View |
Boeing Employees' Credit Union
|
Conventional, Jumbo | 2 | 0.3% | 100% | $1,385,000 | |
Better Mortgage Corporation
|
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $375,000 | |
Genisys Credit Union
|
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $2,505,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $745,000 | View |
|
B+4.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.1% | 100% | $1,125,000 | View |
Primelending
|
Conventional | 1 | 0.1% | 100% | $125,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.1% | 100% | $505,000 | |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.1% | 66.7% | $335,000 | |
Oaktree Funding Corp
|
Conventional | 1 | 0.1% | 100% | $535,000 | |
|
A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.1% | 100% | $885,000 | View |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
Nqm Funding, LLC
|
Conventional | 1 | 0.1% | 100% | $915,000 | |
Ameritrust Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $1,005,000 | |
Premier Lending Inc.
|
Conventional | 1 | 0.1% | 100% | $705,000 | |
Planet Home Lending, LLC
|
FHA | 1 | 0.1% | 50% | $815,000 | |
Teachers Federal Credit Union
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,655,000 | |
T2 Financial LLC
|
Conventional | 1 | 0.1% | 100% | $855,000 | |
Vellum Mortgage, Inc.
|
Conventional | 1 | 0.1% | 100% | $745,000 | |
|
A+5.0 ★Texas Ratio: 3.57% |
Conventional | 1 | 0.1% | 100% | $825,000 | View |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.1% | 50% | $455,000 | |
RBC Bank (Georgia), N.A.
|
Conventional | 1 | 0.1% | 100% | $795,000 | |
Florida Capital Bank, N.A
|
Conventional | 1 | 0.1% | 100% | $525,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,445,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.1% | 100% | $775,000 | View |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.1% | 100% | $865,000 | |
Leaderone Financial Corp.
|
Conventional | 1 | 0.1% | 100% | $165,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.1% | 33.3% | $925,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $705,000 | View |
Alliant Credit Union
|
HELOC | 0 +5 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
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 | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 50% | View | |
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Morgan Hill 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 Morgan Hill, California
Looking for mortgage lenders near me or mortgage brokers near me in Morgan Hill? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Morgan Hill in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Morgan Hill, CA
Use these to narrow the list above. Each category shows how many Morgan Hill, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Morgan Hill, CA
Independent mortgage companies closed 59.4 percent of home loans in Morgan Hill, California in 2025, banks 32.4 percent and credit unions 8.2 percent. Synergy One Lending, Inc. was the largest mortgage company, Bank of America NA the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 52 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 Morgan Hill, CA
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Morgan Hill, California with 52 loans, about 6.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Morgan Hill, California, Bank of America NA approved the highest share of completed applications in 2025 at 98.1 percent, against a 87.7 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.
12 lenders closed FHA loans in Morgan Hill, California in 2025, led by United Wholesale Mortgage with 3. 9 lenders closed VA loans, led by Rocket 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.
Yes. 41 banks and 34 credit unions closed home loans in Morgan Hill, California in 2025, alongside 77 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 Morgan Hill, 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 Morgan Hill, 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 Morgan Hill. 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.
