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Mortgage Lenders and Brokers in San Jose, California

Content reviewed by

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

San Jose, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1705 N 1st St, San Jose, CA 95112A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1510 The Alameda, San Jose, CA 95126A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA6079 Meridian Ave, San Jose, CA 95120A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.1700 The Alameda, San Jose, CA 95126A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1432 W San Carlos St Ste 90, San Jose, CA 95126A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA1566 Monterey Hwy, San Jose, CA 95110A+5.0 ★Texas Ratio: 3.54%, City National BankCity National Bank1 Almaden Blvd, San Jose, CA 95113A+5.0 ★Texas Ratio: 5.55%, Meriwest Credit UnionMeriwest Credit Union5615 Chesbro Ave, San Jose, CA 95123 3046A5.0 ★Texas Ratio: 6.20%, Technology Credit UnionTechnology Credit Union1562 S Bascom Ave, San Jose, CA 95125 6108A+5.0 ★Texas Ratio: 3.57%, and Mirastar Federal Credit UnionMirastar Federal Credit Union5353 Almaden Expy, San Jose, CA 95118A5.0 ★Texas Ratio: 6.21%. 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 San Jose, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Jose 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 San Jose, California

Market share is the lender's share of all home loans closed in San Jose, 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 19 offices in San Jose 1705 N 1st St, San Jose, CA 95112 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	1,119	11.7%	93.6%	$1,331,639	View
Bank of America NA 22 offices in San Jose 1510 The Alameda, San Jose, CA 95126 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	729 +380 HELOCs	7.6%	94.8%	$1,335,919	View
Citibank, NA 9 offices in San Jose 6079 Meridian Ave, San Jose, CA 95120 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	606 +22 HELOCs	6.3%	94.4%	$1,294,801	View
US Bank, N.A. 12 offices in San Jose 1700 The Alameda, San Jose, CA 95126 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	551 +72 HELOCs	5.8%	89.8%	$1,220,299	View
JPMorgan Chase Bank, NA 22 offices in San Jose 1432 W San Carlos St Ste 90, San Jose, CA 95126 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	454 +13 HELOCs	4.7%	90.2%	$1,150,638	View
BMO Harris Bank NA 10 offices in San Jose 1566 Monterey Hwy, San Jose, CA 95110 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	163 +82 HELOCs	1.7%	79.6%	$1,410,153	View
City National Bank 1 office in San Jose 1 Almaden Blvd, San Jose, CA 95113 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	92	1%	92.2%	$1,425,108	View
Meriwest Credit Union 5615 Chesbro Ave, San Jose, CA 95123 3046 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo, HELOC	46 +122 HELOCs	0.5%	83.6%	$629,130	View
Technology Credit Union 1562 S Bascom Ave, San Jose, CA 95125 6108 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	38 +131 HELOCs	0.4%	84.2%	$836,315	View
Mirastar Federal Credit Union 5353 Almaden Expy, San Jose, CA 95118 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	32 +48 HELOCs	0.3%	90%	$203,437	View
East West Bank 2 offices in San Jose 1001 Story Rd, San Jose, CA 95122 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	32 +21 HELOCs	0.3%	91.4%	$760,625	View
Fremont Bank 1 office in San Jose 160 W Santa Clara St, San Jose, CA 95113 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	24 +113 HELOCs	0.3%	69.4%	$560,833	View
Flagstar Bank NA 1 office in San Jose 111 W Saint John St Ste 1120, San Jose, CA 95113 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, Jumbo, HELOC	20 +4 HELOCs	0.2%	69%	$981,500	View
Zions Bancorporation, N.A. 1 office in San Jose 515 N 1st St, San Jose, CA 95112 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	19 +15 HELOCs	0.2%	89.3%	$1,272,368	View
First Ciitizens Bank and Trust 1 office in San Jose 60 S Market St, San Jose, CA 95113 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	15 +7 HELOCs	0.2%	100%	$240,333	View
Cathay Bank 2 offices in San Jose 2010 Tully Rd, San Jose, CA 95122 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	9	0.1%	100%	$1,041,666	View
Excite Credit Union 265 Curtner Ave, San Jose, CA 95125 A4.9 ★Texas Ratio: 5.41%	Conventional	7	0.1%	87.5%	$725,000	View
Columbia Bank 1 office in San Jose 225 W Santa Clara St, San Jose, CA 95113 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	2 +2 HELOCs	0%	66.7%	$300,000	View
CommonWealth Central Credit Union 5890 Silver Creek Valley Rd, San Jose, CA 95138 A+5.0 ★Texas Ratio: 1.92%	Conventional, HELOC	1 +53 HELOCs	0%	50%	$35,000	View
First Commercial Bank (USA) 1 office in San Jose 1141 S De Anza Blvd, San Jose, CA 95129 A+5.0 ★Texas Ratio: 3.91%	Conventional	1	0%	100%	$645,000	View
Fifth Third Bank, National Association 5 offices in San Jose 226 Airport Pkwy, San Jose, CA 95110 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	50%	$1,105,000	View
SnapFi, Inc.	Conventional, FHA	8	0.1%	100%	$427,500
Instamortgage, Inc	Conventional	2	0%	100%	$550,000
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	282 +4 HELOCs	2.9%	99.6%	$1,202,907	View
Star One Credit Union 1090 Blossom Hill Rd, San Jose, CA 95123 1103 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	206 +166 HELOCs	2.2%	78.5%	$739,126	View
The Golden 1 Credit Union 2 Pierce Ave Ste B, San Jose, CA 95110 2842 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	168 +47 HELOCs	1.8%	83.7%	$1,206,785	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	136 +48 HELOCs	1.4%	90.9%	$1,303,897	View
Patelco Credit Union 1775 Story Rd Ste 110, San Jose, CA 95122 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	60 +37 HELOCs	0.6%	91.2%	$1,129,666	View
Provident Credit Union 1705 E Capitol Expy Ste 20, San Jose, CA 95121 1588 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	42 +36 HELOCs	0.4%	97.7%	$985,238	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	37	0.4%	90.5%	$1,033,378	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, FHA, Jumbo	31	0.3%	93.9%	$866,612
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	29 +67 HELOCs	0.3%	96.9%	$744,655	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	29	0.3%	69.8%	$310,517	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	28	0.3%	100%	$625,357	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo, HELOC	19 +1 HELOCs	0.2%	100%	$1,360,263	View
Keypoint Credit Union 1055 E Brokaw Rd, San Jose, CA 95131 A+5.0 ★Texas Ratio: 3.00%	Conventional, Jumbo, HELOC	18 +31 HELOCs	0.2%	95.5%	$696,666	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	18	0.2%	100%	$1,270,555	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	17 +3 HELOCs	0.2%	85%	$1,491,470	View
Community West Bank, A California Banking Corporation 9201 Camino Media Suite 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.14%	Conventional	15	0.2%	93.8%	$279,666	View
Mission City Federal Credit Union 1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35%	Conventional, HELOC	9 +7 HELOCs	0.1%	100%	$261,666	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional, Jumbo, HELOC	9 +5 HELOCs	0.1%	81.8%	$919,444	View
Tri Counties Bank 1671 The Alameda, San Jose, CA 95126 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo, HELOC	9 +1 HELOCs	0.1%	75%	$1,283,888	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, FHA, Jumbo, HELOC	8 +6 HELOCs	0.1%	88.9%	$913,750	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, Jumbo, HELOC	8 +5 HELOCs	0.1%	72.7%	$987,500	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	8	0.1%	80%	$846,250	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional	5	0.1%	100%	$225,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0%	100%	$1,342,500	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	4	0%	80%	$1,547,500	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, HELOC	3 +1 HELOCs	0%	100%	$525,000	View
Bay Federal Credit Union 48 Rancho Del Mar, Aptos, CA 95003 A+5.0 ★Texas Ratio: 1.88%	Conventional, HELOC	3 +1 HELOCs	0%	100%	$471,666	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	3	0%	100%	$1,098,333	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	3	0%	100%	$1,058,333	View
Sunwest Bank 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	3	0%	100%	$228,333	View
Uncle Credit Union 1809 HOLMES ST, LIVERMORE, CA 94550 A+5.0 ★Texas Ratio: 5.51%	Conventional, Jumbo, HELOC	2 +8 HELOCs	0%	100%	$1,455,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	2 +6 HELOCs	0%	100%	$790,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0%	100%	$1,715,000	View
Lbs Financial Credit Union 11239 183rd St, Cerritos, CA 90703 5417 A+5.0 ★Texas Ratio: 2.34%	Conventional	2	0%	100%	$1,040,000	View
Caltech Employees Federal Credit Union 528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08%	Conventional	2	0%	100%	$835,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	2	0%	100%	$590,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	2	0%	100%	$790,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, Jumbo, HELOC	1 +9 HELOCs	0%	100%	$1,485,000	View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$205,000	View
SAFE Credit Union 7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$925,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0%	100%	$615,000	View
Murphy Bank 5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25%	Conventional	1	0%	100%	$185,000	View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	Conventional	1	0%	100%	$255,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0%	100%	$955,000	View
Bank of the Orient 1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57%	Conventional	1	0%	100%	$265,000	View
Bank of Marin ★ 2 stars, 1 review 2208 S Shore Ctr, Alameda, CA 94501 A+5.0 ★Texas Ratio: 2.03%	Conventional, Jumbo	1	0%	100%	$1,615,000	View
Sunflower Bank, N.A. 1888 Century Park E, Los Angeles, CA 90067 A5.0 ★Texas Ratio: 10.77%	Conventional, Jumbo	1	0%	100%	$2,465,000	View
AmWest Funding Corp	Conventional, Jumbo, HELOC	161 +13 HELOCs	1.7%	93.1%	$786,366
Googain, Inc.	Conventional, Jumbo	154	1.6%	100%	$870,389
Nmsi, Inc.	Conventional, Jumbo	122	1.3%	100%	$900,901
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	121	1.3%	82.2%	$839,380
General Mortgage Capital Corporation	Conventional, Jumbo	106	1.1%	100%	$783,867
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	95 +12 HELOCs	1%	75.8%	$512,263
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	86 +11 HELOCs	0.9%	93.5%	$891,976
New Wave Lending Group Inc	Conventional, Jumbo	47	0.5%	100%	$943,723
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	43	0.4%	85.5%	$691,279	View
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	41	0.4%	91.1%	$688,902
American Pacific Mortgage Corporation	Conventional, VA, Jumbo	35	0.4%	89.7%	$867,285
Kind Lending, LLC	Conventional, FHA, Jumbo, HELOC	34 +1 HELOCs	0.4%	69.4%	$738,823
Resicentral LLC	Conventional	28	0.3%	95%	$624,642
Guild Mortgage Company	Conventional, VA, Jumbo	24	0.3%	96.3%	$553,750
Provident Funding Associates	Conventional	22	0.2%	71.9%	$631,818
Citadel Servicing Corporation	Conventional, Jumbo	21	0.2%	95.8%	$989,285
Flexpoint, Inc.	Conventional, FHA, VA, Jumbo	20	0.2%	100%	$785,500
AAA Capital Investment, Inc	Conventional, Jumbo	19	0.2%	100%	$831,315
Zillow Home Loans, LLC	Conventional, Jumbo	16	0.2%	94.1%	$796,250
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	15	0.2%	93.8%	$699,000
Nexera Holding LLC	Conventional, Jumbo	13	0.1%	81.2%	$801,153
Vista Point Mortgage, LLC	Conventional, Jumbo	13	0.1%	78.9%	$669,615
Land Home Financial Services,	Conventional, FHA	12	0.1%	86.7%	$511,666
Franklin Loan Corporation	Conventional, Jumbo	12	0.1%	100%	$539,166
T. J. Financial, Inc.	Conventional	12	0.1%	100%	$762,500
Mason-McDuffie Mortgage Corporation	Conventional, FHA	12	0.1%	92.3%	$605,833
JMAC Lending, Inc.	Conventional, FHA, Jumbo	12	0.1%	100%	$902,500
Bridgeway Lending Partners, LLC	Conventional, Jumbo	11	0.1%	91.7%	$606,818
Ony Glo, Inc.	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.1%	75%	$940,555
HomeXpress Mortgage Corp.	Conventional, Jumbo	9	0.1%	71.4%	$1,137,222
Emet Lending Group, Inc.	Conventional	9	0.1%	100%	$780,555
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	8	0.1%	66.7%	$1,102,500
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	8	0.1%	72.7%	$478,750
Bay-Valley Mortgage Group	Conventional	7	0.1%	100%	$667,857
Mission Loans, LLC	Conventional	7	0.1%	100%	$185,000
Cake Mortgage Corp.	Conventional, Jumbo	7	0.1%	100%	$1,145,000
Cornerstone First Mortgage, LLC	Conventional, FHA	6	0.1%	100%	$606,666
Golden Empire Mortgage, Inc.	Conventional, Jumbo	6	0.1%	100%	$980,000
Fidelity Lending Solutions Inc	Conventional, Jumbo	6	0.1%	88.9%	$1,116,666
Hometown Equity Mortgage, LLC	Conventional	6	0.1%	31.6%	$805,000
Greenbox Loans	Conventional, Jumbo	5	0.1%	100%	$1,091,000
Stg Mortgage Inc	Conventional, Jumbo	5	0.1%	100%	$1,009,000
Carrington Mortgage Services LLC	Conventional, VA	5	0.1%	40%	$435,000
Fundloans Capital	Conventional, Jumbo	4	0%	100%	$2,045,000
AdvantageFirst Lending Inc	Conventional, FHA	4	0%	57.1%	$542,500
American Financial Network, Inc.	Conventional, FHA, VA, Jumbo	4	0%	83.3%	$970,000
Royal Pacific Funding	Conventional	4	0%	100%	$652,500
First Stardand Financial dba Nexcap Home Loans	Conventional, Jumbo	3	0%	100%	$1,085,000
ClearEdge Lending LLC	Conventional	3	0%	80%	$1,025,000
Plaza Home Mortgage, Inc	Conventional	3	0%	42.9%	$785,000
Watermark Capital, Inc.	Conventional	2	0%	100%	$640,000
Coast 2 Coast Funding Group, Inc	Conventional	2	0%	100%	$315,000
Ahl Funding	Conventional, FHA	2	0%	100%	$820,000
Network Capital Funding Corporation	Conventional	2	0%	22.2%	$350,000
Coastal Funding SLC, Inc.	Conventional	2	0%	100%	$725,000
Goodleap, LLC	Conventional, HELOC	1 +6 HELOCs	0%	100%	$65,000
Financial Partners Credit Unio	Conventional, Jumbo	1	0%	100%	$1,275,000
Alameda Mortgage Corporation	Conventional	1	0%	100%	$595,000
5Th Sreet Capital Inc.	Conventional	1	0%	100%	$1,155,000
Constant Investments, Inc	Conventional	1	0%	100%	$525,000
Bnb Financial Inc	Conventional	1	0%	100%	$205,000
Residential First Capital	Conventional, Jumbo	1	0%	100%	$905,000
Hightechlending, Inc	Conventional, Jumbo	1	0%	50%	$2,245,000
JSB Mortgage Corporation	Conventional	1	0%	100%	$1,015,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$705,000	View
Generations Home Loans, LLC	Conventional	1	0%	100%	$1,145,000
Ardri LLC	Conventional	1	0%	33.3%	$1,015,000
Operating Engineers Federal Credit Union	Conventional	1	0%	100%	$85,000
Arcstone Financial Inc	Conventional	1	0%	50%	$695,000
Figure Lending LLC	HELOC	0 +70 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	928 +2 HELOCs	9.7%	78.7%	$650,829
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	482 +73 HELOCs	5%	86.3%	$769,419
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	111 +6 HELOCs	1.2%	93.4%	$956,081
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	87 +6 HELOCs	0.9%	95.7%	$1,001,206
The Loan Store, Inc	Conventional, Jumbo, HELOC	77 +13 HELOCs	0.8%	91.5%	$674,480
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	74 +4 HELOCs	0.8%	97.6%	$1,405,540	View
Triad Financial Services, Inc.	Conventional	66	0.7%	75.6%	$256,969
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	58 +6 HELOCs	0.6%	96.7%	$1,388,620	View
Nationstar Mortgage	Conventional, FHA, VA	58	0.6%	65.6%	$367,068
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo, HELOC	53 +2 HELOCs	0.6%	96.4%	$1,124,056
Newrez LLC	Conventional, VA, Jumbo	49	0.5%	53.7%	$638,265
Spring Eq, LLC	Conventional, HELOC	47 +31 HELOCs	0.5%	38.2%	$193,936
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	43	0.4%	95.8%	$993,837	View
Pulte Mortgage LLC	Conventional, Jumbo	40	0.4%	93.2%	$949,500
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	38 +37 HELOCs	0.4%	93.6%	$1,091,578
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, Jumbo, HELOC	38 +3 HELOCs	0.4%	95.9%	$791,052	View
Originpoint, LLC	Conventional, VA, Jumbo	37	0.4%	100%	$1,135,540
Credit Human Federal Credit Un	Conventional	33	0.3%	50.5%	$192,878
21St Mortgage	Conventional	31	0.3%	50%	$220,483
Better Mortgage Corporation	Conventional, Jumbo, HELOC	25 +12 HELOCs	0.3%	71.1%	$856,200
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	25	0.3%	96.3%	$649,800	View
Prosperity Home Mortgage, LLC	Conventional, FHA, Jumbo	22	0.2%	84.6%	$777,272
Sage Home Loans Corporation	Conventional	17	0.2%	91.7%	$825,000
Lakeview Loan Servicing, LLC	Conventional, FHA	16	0.2%	27.3%	$375,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	14 +20 HELOCs	0.1%	60.9%	$575,714
Freedom Mortgage Corporation	Conventional, FHA, VA	14	0.1%	72.7%	$687,857
Amerisave Mortgage Company	Conventional	14	0.1%	20%	$193,571
Deephaven Mortgage LLC	Conventional, Jumbo	12	0.1%	70.6%	$487,500
Ameritrust Mortgage Corporation	Conventional, FHA, Jumbo	11	0.1%	100%	$784,090
Tri Pointe Connect, LLC	Conventional	11	0.1%	100%	$783,181
Primelending	Conventional, FHA, Jumbo	10	0.1%	78.6%	$956,000
Nbkc Bank	Conventional, VA, Jumbo	10	0.1%	100%	$804,000
Union Home Mortgage Corp.	Conventional, VA	10	0.1%	90.9%	$654,000
Mortgage Research Center	VA	10	0.1%	43.5%	$799,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	10	0.1%	100%	$536,000	View
Citizens Equity First Credit U	Conventional, HELOC	9 +28 HELOCs	0.1%	90%	$633,888
Arc Home LLC	Conventional, Jumbo	9	0.1%	100%	$1,291,666
Discover Bank	Conventional	9	0.1%	19.6%	$158,333
Teachers Federal Credit Union	Conventional, Jumbo	8	0.1%	100%	$1,310,000
Mutual of Omaha Mortgage	Conventional, Jumbo	8	0.1%	69.2%	$792,500
Fairway Independent Mort Corp	Conventional, FHA	8	0.1%	90%	$688,750
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	7 +2 HELOCs	0.1%	77.8%	$1,199,285
Guidance Residential, LLC	Conventional	7	0.1%	100%	$932,142
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional, Jumbo	7	0.1%	87.5%	$1,035,000
Alliant Credit Union	Conventional, Jumbo, HELOC	6 +36 HELOCs	0.1%	100%	$1,151,666
Emporium Tpo LLC	Conventional, Jumbo	6	0.1%	75%	$1,575,000
Bay Equity LLC	Conventional, Jumbo	6	0.1%	85.7%	$808,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	6	0.1%	100%	$705,000	View
Logan Finance Corporation	Conventional, Jumbo	6	0.1%	75%	$1,050,000
RoundPoint Mortgage Servicing LLC	Conventional	6	0.1%	100%	$445,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	5 +44 HELOCs	0.1%	38.5%	$135,000	View
Fourleaf Federal Credit Union	Conventional, Jumbo, HELOC	5 +15 HELOCs	0.1%	100%	$975,000
Premier Mortgage Resources, LLC	Conventional	5	0.1%	100%	$551,000
Dart Bank	Conventional, Jumbo	5	0.1%	100%	$907,000
Planet Home Lending, LLC	Conventional, VA	5	0.1%	71.4%	$731,000
United Nations Federal CU	Conventional, Jumbo	5	0.1%	100%	$1,265,000
Tomo Mortgage LLC	Conventional	5	0.1%	83.3%	$741,000
Flyhomes Mortgage LLC	Conventional	5	0.1%	100%	$499,000
First Community Mortgage, Inc.	Conventional	4	0%	100%	$627,500
American Financial Resources LLC	Conventional, VA	4	0%	100%	$742,500
Nqm Funding, LLC	Conventional, Jumbo	4	0%	85.7%	$922,500
Summit Mortgage Bankers, Inc.	Conventional, Jumbo	4	0%	100%	$1,167,500
Vellum Mortgage, Inc.	Conventional	4	0%	100%	$672,500
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0%	80%	$1,280,000	View
HomeBridge Financial Services, Inc	Conventional, Jumbo, HELOC	3 +22 HELOCs	0%	33.3%	$785,000
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	3 +1 HELOCs	0%	100%	$1,105,000
Service Federal Credit Union	Conventional, HELOC	3 +1 HELOCs	0%	57.1%	$958,333
Primary Residential Mortgage, INC.	Conventional	3	0%	100%	$485,000
Envoy Mortgage, Ltd	Conventional, Jumbo	3	0%	100%	$1,341,666
PHH Mortgage Corporation	Conventional	3	0%	100%	$735,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, VA	3	0%	75%	$911,666	View
Premier Lending Inc.	Conventional, Jumbo	3	0%	100%	$948,333
Beeline Loans, Inc.	Conventional	3	0%	100%	$728,333
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	3	0%	100%	$1,221,666	View
Golden Bank National Associati	Conventional, Jumbo	3	0%	60%	$1,121,666
Uif Corporation	Conventional, Jumbo	3	0%	100%	$1,131,666
Mld Mortgage, Inc.Dba the Money Store	Conventional	3	0%	75%	$848,333
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	3	0%	60%	$588,333	View
Geneva Financial LLC	Conventional	3	0%	100%	$328,333
Ark-La-Tex Financial Services LLC	Conventional	3	0%	100%	$655,000
Champions Funding, LLC	Conventional	3	0%	33.3%	$995,000
Village Capital & Investment	FHA, VA	3	0%	80%	$631,666
Quorum Federal Credit Union	Conventional, HELOC	2 +16 HELOCs	0%	50%	$105,000
Usalliance Federal Credit Union	Conventional, HELOC	2 +7 HELOCs	0%	100%	$455,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0%	100%	$985,000	View
Oaktree Funding Corp	Conventional, HELOC	2 +1 HELOCs	0%	100%	$655,000
Saygo Home Loans, LLC	Conventional, HELOC	2 +1 HELOCs	0%	100%	$570,000
Georgia'S Own Credit Union	Conventional, Jumbo	2	0%	100%	$1,190,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	2	0%	100%	$1,505,000	View
All Credit Considered Mortgage, Inc.	Conventional	2	0%	100%	$915,000
Equity Prime Mortgage LLC	FHA, VA	2	0%	100%	$1,005,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	2	0%	100%	$485,000	View
Kwik Mortgage Corporation	Conventional	2	0%	100%	$750,000
First Colony Mortgage Corporat	Conventional	2	0%	100%	$665,000
Cardinal Financial Company, Li	Conventional	2	0%	75%	$335,000
Foundation Mortgage Corporation	Conventional	2	0%	100%	$735,000
Embrace Home Loans, Inc.	Conventional	2	0%	100%	$405,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0%	100%	$650,000	View
Crystal Lake Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.94%	Conventional, Jumbo	2	0%	100%	$2,025,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	2	0%	100%	$965,000	View
V.I.P. Mortgage, Inc.	Conventional	2	0%	100%	$785,000
Nations Direct Mortgage, LLC	Conventional, Jumbo	2	0%	100%	$760,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0%	100%	$630,000	View
Industrial and Commercial Bank of China (USA) NA	Conventional	2	0%	100%	$500,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +58 HELOCs	0%	33.3%	$4,235,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +11 HELOCs	0%	33.3%	$675,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$205,000	View
Lower, LLC	Conventional, HELOC	1 +2 HELOCs	0%	33.3%	$635,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,595,000	View
State Departmenet Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$255,000
Pacific Residential Mortgage, LLC	Conventional	1	0%	100%	$795,000
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$1,195,000	View
Bankers Trust Company A+5.0 ★Texas Ratio: 2.48%	Conventional	1	0%	100%	$785,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0%	100%	$1,425,000	View
Royal United Mortgage LLC	Conventional	1	0%	100%	$45,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0%	100%	$1,435,000	View
Jet Direct Funding Corp.	Conventional	1	0%	100%	$1,175,000
Success Lending, LLC	Conventional	1	0%	100%	$965,000
Canopy Mortgage, LLC	Conventional	1	0%	100%	$555,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	50%	$635,000	View
Signature Federal Credit Union	Conventional	1	0%	100%	$255,000
Loanunited.Com, LLC	VA	1	0%	100%	$805,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$765,000	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$885,000	View
Valley West Corporation	Conventional	1	0%	100%	$905,000
Michigan Mutual, Inc	Conventional	1	0%	100%	$455,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$1,205,000
Lennar Mortgage, LLC	Conventional	1	0%	100%	$685,000
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$765,000
Weichert Financial Services	Conventional	1	0%	100%	$1,155,000
Homeowners Financial Group, LLC	FHA	1	0%	100%	$1,155,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0%	25%	$1,085,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$735,000	View
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$505,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0%	100%	$665,000	View
Encompass Lending Group, L.P.	Conventional	1	0%	100%	$455,000
Nations Lending Corporation	Conventional	1	0%	100%	$805,000
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	1	0%	100%	$2,005,000	View
Schaumburg Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 0.87%	Conventional, Jumbo	1	0%	100%	$1,725,000	View
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional	1	0%	100%	$985,000	View
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	1	0%	100%	$1,735,000	View
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional, Jumbo	1	0%	100%	$2,365,000	View
Northbrook Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.98%	Conventional	1	0%	100%	$805,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$1,145,000	View
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	Conventional	1	0%	100%	$865,000	View
Fisher Financial Group, Incorporated	Conventional	1	0%	100%	$405,000
Mit Federal Credit Union	Conventional	1	0%	100%	$155,000
Member First Mortgage, LLC	Conventional	1	0%	100%	$675,000
Self Help Federal Credit Union	Conventional	1	0%	100%	$545,000
Mortgage Solutions of Colorado	Conventional	1	0%	50%	$395,000
Keystone Funding, Inc	Conventional	1	0%	100%	$1,085,000
RBC Bank (Georgia), N.A.	Conventional	1	0%	50%	$1,005,000
Florida Capital Bank, N.A	Conventional	1	0%	50%	$1,005,000
First US Community Credit Union A+5.0 ★Texas Ratio: 4.67%	Conventional	1	0%	100%	$195,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0%	100%	$225,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +55 HELOCs	0%	n/a		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +8 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Everett Financial, Inc.	HELOC	0 +6 HELOCs	0%	0%
Digital Federal Credit Union	HELOC	0 +5 HELOCs	0%	100%

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.

San Jose 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 San Jose, California

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

Types of Mortgage Lenders in San Jose, CA

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

Mortgage companies and brokers 164 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 81 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 55 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 39 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 133 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 124 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Jose, CA

Independent mortgage companies closed 42.2 percent of home loans in San Jose, California in 2025, banks 48.6 percent and credit unions 9.2 percent. SnapFi, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Meriwest Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 729 loans.

42.2%

Mortgage companies

48.6%

Banks

9.2%

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 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 Chula Vista 203 lenders

Frequently Asked Questions About Mortgage Lenders in San Jose, CA

Who is the largest mortgage lender in San Jose, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in San Jose, California with 1,119 loans, about 11.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 729 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in San Jose, CA have the highest approval rates?

Among lenders with meaningful volume in San Jose, California, Googain, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 85.7 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.

Which San Jose, CA mortgage lenders offer FHA, VA and USDA loans?

39 lenders closed FHA loans in San Jose, California in 2025, led by Rocket Mortgage with 19. 33 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. 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 San Jose, CA lender list?

Yes. 81 banks and 55 credit unions closed home loans in San Jose, California in 2025, alongside 164 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 San Jose, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in San Jose, 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 San Jose, 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 San Jose. 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.