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Mortgage Lenders and Brokers in Redwood City, California

Content reviewed by

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

Redwood City, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1071 El Camino Real, Redwood City, CA 94063A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1875 Virginia Ave, Redwood City, CA 94061A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA776 El Camino Real, Redwood City, CA 94063A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.1475 Woodside Rd, Redwood City, CA 94061A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA1073 El Camino Real, Redwood City, CA 94063A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA900 Veterans Blvd, Redwood City, CA 94063A+5.0 ★Texas Ratio: 3.54%, PNC Bank N.A.PNC Bank N.A.660 Woodside Rd, Redwood City, CA 94061A+5.0 ★Texas Ratio: 4.24%, Monterra Credit UnionMonterra Credit Union350 Convention Way, Redwood City, CA 94063A+5.0 ★Texas Ratio: 2.93%, Provident Credit UnionProvident Credit Union303 Twin Dolphin Dr, Redwood City, CA 94065 1497A+5.0 ★Texas Ratio: 0.49%, 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 Redwood City, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Redwood City 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 Redwood City, California

Market share is the lender's share of all home loans closed in Redwood City, 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 3 offices in Redwood City 1071 El Camino Real, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	93	11.9%	93.9%	$1,562,956	View
Bank of America NA 3 offices in Redwood City 1875 Virginia Ave, Redwood City, CA 94061 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	75 +33 HELOCs	9.6%	88.2%	$1,503,800	View
JPMorgan Chase Bank, NA 4 offices in Redwood City 776 El Camino Real, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	62 +2 HELOCs	7.9%	92.5%	$1,320,322	View
US Bank, N.A. 2 offices in Redwood City 1475 Woodside Rd, Redwood City, CA 94061 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	41 +12 HELOCs	5.2%	93.3%	$1,432,317	View
Citibank, NA 1 office in Redwood City 1073 El Camino Real, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	37 +1 HELOCs	4.7%	90.2%	$1,497,432	View
BMO Harris Bank NA 1 office in Redwood City 900 Veterans Blvd, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	17 +3 HELOCs	2.2%	81%	$1,335,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Redwood City 660 Woodside Rd, Redwood City, CA 94061 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	12 +6 HELOCs	1.5%	100%	$1,521,666	View
Monterra Credit Union 350 Convention Way, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 2.93%	Conventional, Jumbo, HELOC	11 +19 HELOCs	1.4%	55%	$862,272	View
Provident Credit Union 303 Twin Dolphin Dr, Redwood City, CA 94065 1497 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	3 +8 HELOCs	0.4%	100%	$1,408,333	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	24 +1 HELOCs	3.1%	96%	$1,201,666	View
Stanford Federal Credit Union 905 Barron Avenue, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	19 +20 HELOCs	2.4%	100%	$1,172,368	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	9	1.1%	90%	$1,680,555	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	6 +3 HELOCs	0.8%	53.8%	$910,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	6	0.8%	100%	$1,233,333	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	6	0.8%	66.7%	$556,666	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.5%	100%	$1,522,500	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.5%	100%	$932,500	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.4%	100%	$1,048,333	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	0.4%	100%	$1,875,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	3	0.4%	100%	$1,255,000	View
San Francisco Federal Credit Union 510 Veterans Blvd Ste B, Redwood City, CA 94063 A+5.0 ★Texas Ratio: 0.53%	Conventional	3	0.4%	100%	$371,666	View
Patelco Credit Union 1105 Veterans Blvd, Redwood City, CA 94063 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$1,025,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$785,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$1,280,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional	2	0.3%	100%	$1,105,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	2	0.3%	100%	$1,290,000
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.3%	100%	$530,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo	2	0.3%	100%	$1,810,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.3%	66.7%	$350,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,265,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional	1	0.1%	100%	$315,000	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$335,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.1%	100%	$1,405,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	1	0.1%	100%	$1,405,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	HELOC	0 +8 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +2 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	100%		View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	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
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, Jumbo	12	1.5%	85.7%	$1,343,333
Googain, Inc.	Conventional, Jumbo	9	1.1%	100%	$1,070,555
General Mortgage Capital Corporation	Conventional, Jumbo	8	1%	100%	$876,250
Kind Lending, LLC	Conventional, VA, Jumbo	5	0.6%	83.3%	$929,000
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	4 +2 HELOCs	0.5%	100%	$850,000
AmWest Funding Corp	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.5%	66.7%	$1,895,000
loanDepot.com LLC	Conventional, Jumbo	4	0.5%	44.4%	$1,017,500
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	3	0.4%	100%	$1,095,000
Stg Mortgage Inc	Conventional, Jumbo	3	0.4%	100%	$1,428,333
Citadel Servicing Corporation	Conventional, Jumbo	3	0.4%	100%	$1,648,333
Nexera Holding LLC	Conventional, Jumbo	3	0.4%	100%	$815,000
Carrington Mortgage Services LLC	Conventional, Jumbo	3	0.4%	71.4%	$718,333
Plaza Home Mortgage, Inc	Conventional	3	0.4%	100%	$201,666
Resicentral LLC	Conventional, Jumbo	2	0.3%	66.7%	$1,545,000
Flexpoint, Inc.	Conventional, Jumbo	2	0.3%	100%	$510,000
Provident Funding Associates	Conventional	2	0.3%	100%	$730,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.3%	100%	$1,155,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.3%	100%	$560,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$935,000
Alameda Mortgage Corporation	Conventional	1	0.1%	33.3%	$465,000
Fundloans Capital	Conventional, Jumbo	1	0.1%	100%	$1,995,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$2,185,000
Mortgage Capital Partners, INC	Conventional	1	0.1%	100%	$805,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$305,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$205,000
AdvantageFirst Lending Inc	Conventional	1	0.1%	100%	$495,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$495,000
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$515,000
JMJ Financial Group Inc.	Conventional, Jumbo	1	0.1%	100%	$1,325,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$805,000
First Stardand Financial dba Nexcap Home Loans	Conventional	1	0.1%	100%	$495,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$1,435,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$535,000
JSB Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$2,005,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$535,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$755,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$1,035,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$645,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$615,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$875,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Mission Loans, LLC	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, Jumbo, HELOC	46 +1 HELOCs	5.9%	93.9%	$698,913
United Wholesale Mortgage	Conventional, FHA, Jumbo, HELOC	28 +2 HELOCs	3.6%	87.9%	$1,015,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	12 +1 HELOCs	1.5%	92.3%	$1,565,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	12 +1 HELOCs	1.5%	92.3%	$1,290,833	View
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	11	1.4%	100%	$1,161,363
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo	10	1.3%	100%	$1,113,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	9	1.1%	100%	$1,025,000	View
Triad Financial Services, Inc.	Conventional	8	1%	100%	$257,500
Originpoint, LLC	Conventional, Jumbo	7	0.9%	100%	$1,165,000
Guaranteed Rate Affinity, LLC	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.8%	100%	$1,226,666
Newrez LLC	Conventional, VA, Jumbo	5	0.6%	50%	$1,085,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	5	0.6%	100%	$1,261,000	View
Spring Eq, LLC	Conventional, HELOC	4 +1 HELOCs	0.5%	66.7%	$240,000
Nationstar Mortgage	Conventional	4	0.5%	100%	$255,000
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	3 +5 HELOCs	0.4%	100%	$1,621,666
The Loan Store, Inc	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$828,333
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.4%	100%	$1,755,000	View
21St Mortgage	Conventional	3	0.4%	33.3%	$221,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.3%	100%	$1,120,000	View
Everett Financial, Inc.	Conventional	2	0.3%	66.7%	$725,000
Oaktree Funding Corp	Conventional, Jumbo	2	0.3%	100%	$765,000
Amerisave Mortgage Company	Conventional	2	0.3%	50%	$125,000
Premier Lending Inc.	Conventional, Jumbo	2	0.3%	100%	$1,605,000
Prosperity Home Mortgage, LLC	Conventional, FHA, Jumbo	2	0.3%	66.7%	$1,905,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +5 HELOCs	0.1%	100%	$795,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$125,000	View
Better Mortgage Corporation	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	50%	$1,455,000
Fourleaf Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$935,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$1,145,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$375,000	View
Fairway Independent Mort Corp	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,525,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$905,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$735,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$585,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$2,005,000	View
Lakeview Loan Servicing, LLC	FHA	1	0.1%	50%	$1,315,000
Freedom Mortgage Corporation	Conventional	1	0.1%	100%	$575,000
Nbkc Bank	Conventional, Jumbo	1	0.1%	100%	$1,285,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$945,000	View
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	50%	$1,345,000
Valon Mortgage	Conventional	1	0.1%	100%	$325,000
Nqm Funding, LLC	Conventional	1	0.1%	50%	$905,000
Discover Bank	Conventional	1	0.1%	14.3%	$155,000
Credit Human Federal Credit Un	Conventional	1	0.1%	50%	$45,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$765,000
Bay Equity LLC	Conventional	1	0.1%	50%	$1,055,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional, Jumbo	1	0.1%	100%	$635,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$175,000	View
Boeing Employees' Credit Union	Conventional, Jumbo	1	0.1%	100%	$2,405,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$995,000	View
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0.1%	100%	$1,005,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$125,000
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional, Jumbo	1	0.1%	100%	$1,705,000	View
RBC Bank (Georgia), N.A.	Conventional, Jumbo	1	0.1%	100%	$1,495,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$565,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo	1	0.1%	100%	$1,975,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	50%	$705,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Redwood City 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 Redwood City, California

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

Types of Mortgage Lenders in Redwood City, CA

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

Mortgage companies and brokers 76 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 49 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 6 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 6 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 74 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 70 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Redwood City, CA

Independent mortgage companies closed 33.6 percent of home loans in Redwood City, California in 2025, banks 57.9 percent and credit unions 8.6 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Monterra Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 75 loans.

33.6%

Mortgage companies

57.9%

Banks

8.6%

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 Redwood City, CA

Who is the largest mortgage lender in Redwood City, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Redwood City, California with 93 loans, about 11.9 percent of the market. The largest lender headquartered in California was Bank of America NA with 75 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Redwood City, CA have the highest approval rates?

Among lenders with meaningful volume in Redwood City, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 93.9 percent, against a 87.9 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 Redwood City, CA mortgage lenders offer FHA, VA and USDA loans?

6 lenders closed FHA loans in Redwood City, California in 2025, led by United Wholesale Mortgage with 3. 6 lenders closed VA loans, led by Newrez 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 Redwood City, CA lender list?

Yes. 49 banks and 26 credit unions closed home loans in Redwood City, California in 2025, alongside 76 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 Redwood City, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Redwood City, 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 Redwood City, 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 Redwood City. 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.