Mortgage Lenders and Brokers in Palo Alto, 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
Palo Alto, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA301 University Ave, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3000 El Camino Real Ste 130, Palo Alto, CA 94306A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA250 University Ave, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.400 University Ave, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA855 El Camino Real, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA531 Cowper St, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 3.54%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2400 Hanover St, Palo Alto, CA 94304A5.0 ★Texas Ratio: 7.72%, City National BankCity National Bank245 Lytton Ave, Palo Alto, CA 94301A+5.0 ★Texas Ratio: 5.55%, Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%, 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 Palo Alto, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palo Alto 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 Palo Alto, California
Market share is the lender's share of all home loans closed in Palo Alto, 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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3 offices in Palo Alto 301 University Ave, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 147 | 20.8% | 94.2% | $2,097,585 | View |
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2 offices in Palo Alto 3000 El Camino Real Ste 130, Palo Alto, CA 94306 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 99 +22 HELOCs |
14% | 92.5% | $2,162,373 | View |
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2 offices in Palo Alto 250 University Ave, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 48 +3 HELOCs |
6.8% | 92.3% | $2,236,458 | View |
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2 offices in Palo Alto 400 University Ave, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 40 +7 HELOCs |
5.7% | 82% | $2,161,000 | View |
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4 offices in Palo Alto 855 El Camino Real, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 27 +1 HELOCs |
3.8% | 72.5% | $2,358,333 | View |
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1 office in Palo Alto 531 Cowper St, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 22 +6 HELOCs |
3.1% | 82.1% | $2,578,636 | View |
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1 office in Palo Alto 2400 Hanover St, Palo Alto, CA 94304 A5.0 ★Texas Ratio: 7.72% |
Conventional | 14 | 2% | 87.5% | $201,428 | View |
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1 office in Palo Alto 245 Lytton Ave, Palo Alto, CA 94301 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 12 | 1.7% | 92.3% | $2,620,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional, Jumbo, HELOC | 9 +28 HELOCs |
1.3% | 100% | $719,444 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 56 +1 HELOCs |
7.9% | 98.3% | $2,414,107 | 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 | 17 +5 HELOCs |
2.4% | 89.5% | $2,607,352 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 5 +7 HELOCs |
0.7% | 70% | $309,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 5 | 0.7% | 83.3% | $977,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 3 +7 HELOCs |
0.4% | 100% | $1,865,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.4% | 100% | $1,461,666 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional, Jumbo | 3 | 0.4% | 100% | $1,715,000 | View |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
Conventional, Jumbo | 3 | 0.4% | 100% | $1,115,000 | 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 | 3 | 0.4% | 100% | $5,805,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 3 | 0.4% | 100% | $4,935,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 0.4% | 75% | $1,995,000 | View |
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2390 El Camino Real Ste 110, Palo Alto, CA 94306 1437 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.3% | 100% | $1,910,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,735,000 | View |
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490 California Ave, Palo Alto, CA 94306 1900 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo, HELOC | 1 +8 HELOCs |
0.1% | 100% | $1,965,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 1 +5 HELOCs |
0.1% | 100% | $4,105,000 | View |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $1,705,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 1 | 0.1% | 100% | $2,135,000 | |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,355,000 | View |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
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% | n/a | View | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 13 | 1.8% | 100% | $1,508,076 | |
Googain, Inc.
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Conventional, Jumbo | 10 | 1.4% | 100% | $1,554,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $1,545,000 | |
New Wave Lending Group Inc
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Conventional, Jumbo | 3 | 0.4% | 100% | $2,335,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $3,465,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,740,000 | |
Crestline Funding Corporation
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Conventional | 2 | 0.3% | 100% | $1,205,000 | |
Provident Funding Associates
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Conventional | 2 | 0.3% | 100% | $590,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,545,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $2,105,000 | |
Watermark Capital, Inc.
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,715,000 | |
AAA Capital Investment, Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,705,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 1 | 0.1% | 33.3% | $2,325,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,425,000 | |
ResMac Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,965,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 1 | 0.1% | 100% | $3,005,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.1% | 100% | $1,195,000 | View |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $825,000 | |
Ony Glo, Inc.
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Conventional | 1 | 0.1% | 100% | $705,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $645,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $725,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 100% | $645,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $1,175,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,855,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, VA, Jumbo | 22 | 3.1% | 78.6% | $711,363 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 15 | 2.1% | 83.3% | $2,033,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 14 | 2% | 100% | $1,851,428 | View |
United Wholesale Mortgage
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Conventional, Jumbo | 9 | 1.3% | 90% | $1,316,111 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 7 | 1% | 100% | $1,372,142 | |
Originpoint, LLC
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Conventional, Jumbo | 6 | 0.8% | 100% | $2,528,333 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 6 | 0.8% | 100% | $2,968,333 | View |
Newrez LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $1,407,500 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 4 | 0.6% | 100% | $2,325,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 3 | 0.4% | 100% | $1,821,666 | |
Nbkc Bank
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Conventional | 3 | 0.4% | 100% | $618,333 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 3 | 0.4% | 75% | $1,405,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 0.4% | 100% | $3,635,000 | View |
Arc Home LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $2,140,000 | |
Primelending
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,335,000 | |
Teachers Federal Credit Union
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,655,000 | |
First Technology Federal Credit Union
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Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $575,000 | |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.1% | 100% | $2,345,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $635,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,535,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 20% | $35,000 | |
HomeBridge Financial Services, Inc
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Conventional, Jumbo | 1 | 0.1% | 100% | $2,705,000 | |
T2 Financial LLC
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Conventional | 1 | 0.1% | 100% | $775,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,525,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.1% | 100% | $95,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.1% | 100% | $3,005,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $655,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.1% | 100% | $155,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Quorum Federal 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% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Digital Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Palo Alto 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 Palo Alto, California
Looking for mortgage lenders near me or mortgage brokers near me in Palo Alto? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Palo Alto in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Palo Alto, CA
Use these to narrow the list above. Each category shows how many Palo Alto, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Palo Alto, CA
Independent mortgage companies closed 18.1 percent of home loans in Palo Alto, California in 2025, banks 78.4 percent and credit unions 3.5 percent. Change Lending 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 99 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 Palo Alto, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Palo Alto, California with 147 loans, about 20.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 99 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Palo Alto, California, Hsbc Bank USA, NA approved the highest share of completed applications in 2025 at 98.3 percent, against a 90.5 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. 32 banks and 18 credit unions closed home loans in Palo Alto, California in 2025, alongside 49 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 Palo Alto, 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 Palo Alto, 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 Palo Alto. 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.
