Mortgage Lenders and Brokers in San Martin, 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
San Martin, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA5823 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA14218 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, East West BankEast West Bank403 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 2.84%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14168 Us Highway 395, Adelanto, CA 92301A+5.0 ★Texas Ratio: 3.68%, Tri Counties BankTri Counties Bank2686 Gateway Dr, Anderson, CA 96007A+5.0 ★Texas Ratio: 5.34%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, and Travis Credit UnionTravis Credit Union5819 Lone Tree Way, Antioch, CA 94531A+5.0 ★Texas Ratio: 4.51%. 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 Martin, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Martin 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 Martin, California
Market share is the lender's share of all home loans closed in San Martin, 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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5823 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 3.2% | 50% | $1,271,666 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
2.2% | 100% | $900,000 | View |
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14218 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
1.1% | 100% | $1,405,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $965,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $995,000 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 50% | $1,005,000 | View |
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14168 Us Highway 395, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 50% | $755,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,405,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.1% | 100% | $985,000 | View |
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5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 1.1% | 100% | $1,045,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,955,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,215,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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Conventional | 6 | 6.5% | 100% | $750,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, Jumbo | 5 | 5.4% | 100% | $1,051,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 4 | 4.3% | 100% | $1,325,000 | View |
New American Funding, LLC.
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Conventional, Jumbo | 3 | 3.2% | 100% | $1,181,666 | |
Kind Lending, LLC
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Conventional, Jumbo | 2 | 2.2% | 100% | $1,315,000 | |
Greenbox Loans
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Conventional | 2 | 2.2% | 100% | $800,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 2.2% | 100% | $1,085,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 2 | 2.2% | 75% | $1,075,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 100% | $505,000 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,325,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 1.1% | 100% | $1,085,000 | |
Franklin Loan Corporation
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Conventional | 1 | 1.1% | 100% | $585,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1.1% | 100% | $1,075,000 | |
Nexera Holding LLC
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Conventional | 1 | 1.1% | 100% | $255,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.1% | 100% | $1,005,000 | |
Rocket Mortgage
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Conventional, Jumbo | 12 | 12.9% | 80% | $644,166 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 10 +1 HELOCs |
10.8% | 90.9% | $1,077,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 2 | 2.2% | 50% | $1,295,000 | |
The Loan Store, Inc
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Conventional, Jumbo | 2 | 2.2% | 100% | $1,030,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $455,000 | |
Citizens Equity First Credit U
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.1% | 100% | $2,005,000 | |
Originpoint, LLC
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Conventional | 1 | 1.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,875,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,505,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.1% | 100% | $835,000 | |
Newrez LLC
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FHA | 1 | 1.1% | 33.3% | $715,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 1.1% | 100% | $1,205,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $615,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 1.1% | 100% | $805,000 | View |
Oaktree Funding Corp
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Conventional | 1 | 1.1% | 100% | $905,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 50% | $85,000 | |
Starboard Financial Management, LLC
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Conventional | 1 | 1.1% | 100% | $985,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 1.1% | 100% | $1,005,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $1,105,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.1% | 100% | $1,165,000 | View |
21St Mortgage
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Conventional | 1 | 1.1% | 100% | $145,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.1% | 50% | $115,000 | |
Champions Funding, LLC
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Conventional | 1 | 1.1% | 100% | $1,045,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum 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 | |
Better Mortgage Corporation
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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 |
San Martin 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 San Martin, California
Looking for mortgage lenders near me or mortgage brokers near me in San Martin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Martin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in San Martin, CA
Use these to narrow the list above. Each category shows how many San Martin, CA lenders fit and what that kind of lender is usually best for.
Who Lends in San Martin, CA
Independent mortgage companies closed 77.4 percent of home loans in San Martin, California in 2025, banks 18.3 percent and credit unions 4.3 percent. loanDepot.com LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 1 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 San Martin, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in San Martin, California with 3 loans, about 3.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in San Martin, California in 2025, led by Guild Mortgage Company with 1. 2 lenders closed VA loans, led by United Wholesale 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. 16 banks and 9 credit unions closed home loans in San Martin, California in 2025, alongside 36 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 San Martin, 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 Martin, 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 Martin. 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.
