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Mortgage Lenders and Brokers in San Mateo, California

Content reviewed by

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

San Mateo, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA81 W Hillsdale Blvd, San Mateo, CA 94403A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1111 S El Camino Real, San Mateo, CA 94402A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.390 S El Camino Real, San Mateo, CA 94402A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA3150 Campus Dr, San Mateo, CA 94403A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA11 E 3rd Ave, San Mateo, CA 94401A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA195 E 4th Ave, San Mateo, CA 94401A+5.0 ★Texas Ratio: 3.54%, East West BankEast West Bank2996 S Norfolk St, San Mateo, CA 94403A+5.0 ★Texas Ratio: 2.84%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust160 Bovet Rd, San Mateo, CA 94402A5.0 ★Texas Ratio: 7.72%, First BankFirst Bank2950 South El Camino Real, San Mateo, CA 94403A+5.0 ★Texas Ratio: 4.74%, and Cathay BankCathay Bank1 E 3rd Ave, San Mateo, CA 94401A+5.0 ★Texas Ratio: 4.57%. 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 Mateo, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Mateo 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 Mateo, California

Market share is the lender's share of all home loans closed in San Mateo, 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 San Mateo 81 W Hillsdale Blvd, San Mateo, CA 94403 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	123	12.2%	92.6%	$1,441,422	View
JPMorgan Chase Bank, NA 4 offices in San Mateo 1111 S El Camino Real, San Mateo, CA 94402 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	75 +1 HELOCs	7.5%	85.2%	$1,396,066	View
US Bank, N.A. 1 office in San Mateo 390 S El Camino Real, San Mateo, CA 94402 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	67 +12 HELOCs	6.7%	90.5%	$1,235,597	View
Bank of America NA 2 offices in San Mateo 3150 Campus Dr, San Mateo, CA 94403 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	56 +40 HELOCs	5.6%	91.8%	$1,322,857	View
Citibank, NA 2 offices in San Mateo 11 E 3rd Ave, San Mateo, CA 94401 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	53 +3 HELOCs	5.3%	96.4%	$1,237,452	View
BMO Harris Bank NA 1 office in San Mateo 195 E 4th Ave, San Mateo, CA 94401 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	18 +6 HELOCs	1.8%	81.8%	$1,325,555	View
East West Bank 2 offices in San Mateo 2996 S Norfolk St, San Mateo, CA 94403 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo	5	0.5%	71.4%	$1,393,000	View
First Ciitizens Bank and Trust 1 office in San Mateo 160 Bovet Rd, San Mateo, CA 94402 A5.0 ★Texas Ratio: 7.72%	Conventional	2	0.2%	100%	$210,000	View
First Bank 1 office in San Mateo 2950 South El Camino Real, San Mateo, CA 94403 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$415,000	View
Cathay Bank 1 office in San Mateo 1 E 3rd Ave, San Mateo, CA 94401 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$445,000	View
Tri Counties Bank 1 office in San Mateo 150 E 3rd Ave, San Mateo, CA 94401 A+5.0 ★Texas Ratio: 5.34%	HELOC	0 +2 HELOCs	0%	n/a		View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	36 +2 HELOCs	3.6%	100%	$1,238,055	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	32 +8 HELOCs	3.2%	88.9%	$1,409,062	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	13 +5 HELOCs	1.3%	92.9%	$1,106,538	View
Monterra Credit Union 1515 S El Camino Real, San Mateo, CA 94402 3098 A+5.0 ★Texas Ratio: 2.93%	Conventional, Jumbo, HELOC	12 +14 HELOCs	1.2%	57.1%	$805,833	View
Patelco Credit Union 51 Bovet Rd, San Mateo, CA 94402 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	9 +11 HELOCs	0.9%	100%	$898,333	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	8 +15 HELOCs	0.8%	88.9%	$1,001,250	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.7%	87.5%	$1,417,857	View
Provident Credit Union 2727 S El Camino Real Ste B, San Mateo, CA 94403 2489 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	5 +10 HELOCs	0.5%	100%	$1,431,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	5 +5 HELOCs	0.5%	66.7%	$921,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	4 +11 HELOCs	0.4%	100%	$817,500	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.4%	100%	$1,180,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	0.4%	66.7%	$1,097,500	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	3	0.3%	100%	$338,333	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	3	0.3%	60%	$1,141,666	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$1,195,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	2	0.2%	100%	$810,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.2%	100%	$675,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, Jumbo	2	0.2%	100%	$955,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo	2	0.2%	100%	$970,000	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 +2 HELOCs	0.1%	100%	$475,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$495,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,245,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$355,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$105,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$665,000
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo	1	0.1%	100%	$2,715,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$1,005,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0.1%	100%	$895,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0.1%	100%	$1,025,000	View
Preferred Bank 325 E Valley Blvd, Alhambra, CA 91801 A5.0 ★Texas Ratio: 12.84%	Conventional	1	0.1%	100%	$535,000	View
San Francisco Federal Credit Union 1811 El Camino Real, Burlingame, CA 94010 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	1	0.1%	100%	$1,415,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +1 HELOCs	0%	n/a		View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	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
Pennymac Loan Services LLC	Conventional, FHA, Jumbo	17	1.7%	85%	$832,647
AmWest Funding Corp	Conventional, FHA, Jumbo, HELOC	15 +2 HELOCs	1.5%	100%	$949,666
General Mortgage Capital Corporation	Conventional, Jumbo	15	1.5%	94.1%	$868,333
New American Funding, LLC.	Conventional, Jumbo, HELOC	13 +1 HELOCs	1.3%	100%	$913,461
Citadel Servicing Corporation	Conventional	10	1%	100%	$397,000
loanDepot.com LLC	Conventional, Jumbo	7	0.7%	77.8%	$755,000
New Wave Lending Group Inc	Conventional, Jumbo	7	0.7%	100%	$1,390,714
Googain, Inc.	Conventional	6	0.6%	100%	$781,666
American Pacific Mortgage Corporation	Conventional	5	0.5%	100%	$733,000
AAA Capital Investment, Inc	Conventional, Jumbo	4	0.4%	100%	$1,177,500
Resicentral LLC	Conventional	3	0.3%	100%	$708,333
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.3%	100%	$791,666
Nexera Holding LLC	Conventional, Jumbo	3	0.3%	100%	$888,333
Kind Lending, LLC	Conventional, FHA	2	0.2%	66.7%	$375,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	2	0.2%	66.7%	$795,000
Fidelity Lending Solutions Inc	Conventional	2	0.2%	100%	$905,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	2	0.2%	100%	$580,000	View
Stg Mortgage Inc	Conventional, Jumbo	2	0.2%	100%	$1,920,000
Coastal Funding SLC, Inc.	Conventional	2	0.2%	100%	$490,000
Cake Mortgage Corp.	Conventional	2	0.2%	100%	$870,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$1,135,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$745,000
Golden Empire Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$2,625,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$105,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$1,125,000
Royal Pacific Funding	Conventional	1	0.1%	100%	$275,000
Hightechlending, Inc	Conventional, Jumbo	1	0.1%	100%	$2,315,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$75,000	View
The Police Credit Union of California	Conventional	1	0.1%	100%	$815,000
T. J. Financial, Inc.	Conventional	1	0.1%	100%	$515,000
Summit Funding.Inc	Conventional	1	0.1%	100%	$1,125,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$555,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	100%	$1,005,000
Plaza Home Mortgage, Inc	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, Jumbo	65	6.5%	79.8%	$703,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	58 +6 HELOCs	5.8%	83.3%	$862,586
Originpoint, LLC	Conventional, VA, Jumbo	17	1.7%	100%	$1,202,647
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo, HELOC	15 +1 HELOCs	1.5%	94.1%	$950,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	13 +1 HELOCs	1.3%	93.8%	$1,819,615	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	12 +2 HELOCs	1.2%	100%	$1,271,666	View
CrossCountry Mortgage, LLC	Conventional, Jumbo	12	1.2%	100%	$1,128,333
Pulte Mortgage LLC	Conventional, Jumbo	12	1.2%	92.3%	$1,065,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, Jumbo	8	0.8%	80%	$817,500	View
The Loan Store, Inc	Conventional, HELOC	7 +1 HELOCs	0.7%	80%	$657,857
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	7	0.7%	100%	$947,857
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional	6	0.6%	100%	$511,666	View
Newrez LLC	Conventional, FHA	5	0.5%	55.6%	$817,000
Everett Financial, Inc.	Conventional	4	0.4%	100%	$630,000
PHH Mortgage Corporation	Conventional	3	0.3%	100%	$778,333
Bay Equity LLC	Conventional	3	0.3%	100%	$461,666
Better Mortgage Corporation	Conventional, FHA	3	0.3%	60%	$368,333
Spring Eq, LLC	Conventional	3	0.3%	36.4%	$108,333
Champions Funding, LLC	Conventional	3	0.3%	75%	$501,666
Alliant Credit Union	Conventional, Jumbo, HELOC	2 +10 HELOCs	0.2%	100%	$1,205,000
Freedom Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$870,000
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.2%	66.7%	$2,370,000
Amerisave Mortgage Company	Conventional	2	0.2%	28.6%	$75,000
Mortgage Research Center	Conventional, VA, Jumbo	2	0.2%	100%	$1,235,000
Logan Finance Corporation	Conventional, Jumbo	2	0.2%	100%	$2,040,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.2%	100%	$1,405,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.2%	100%	$580,000	View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,695,000	View
Citizens Equity First Credit U	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,455,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	VA, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,705,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$675,000	View
HomeBridge Financial Services, Inc	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$685,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$3,005,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$1,025,000	View
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$345,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$2,505,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$1,035,000
Nbkc Bank	Conventional	1	0.1%	100%	$405,000
Directors Mortgage, Inc	Conventional	1	0.1%	100%	$505,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$475,000
Dart Bank	Conventional	1	0.1%	100%	$535,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$925,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0.1%	100%	$1,305,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$355,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$675,000
Beverly Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.57%	Conventional	1	0.1%	100%	$1,085,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0.1%	100%	$2,505,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.1%	100%	$1,455,000	View
Nationstar Mortgage	Conventional	1	0.1%	100%	$75,000
Uif Corporation	Conventional	1	0.1%	100%	$1,075,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$345,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$1,155,000	View
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$1,055,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$515,000
First Technology Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$1,035,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$515,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +6 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +4 HELOCs	0%	0%
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	HELOC	0 +1 HELOCs	0%	n/a		View

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 Mateo 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 Mateo, California

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

Types of Mortgage Lenders in San Mateo, CA

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

Mortgage companies and brokers 74 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 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 12 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 4 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 62 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 67 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Mateo, CA

Independent mortgage companies closed 38.9 percent of home loans in San Mateo, California in 2025, banks 54 percent and credit unions 7.2 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 56 loans.

38.9%

Mortgage companies

54%

Banks

7.2%

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 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 San Mateo, CA

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

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in San Mateo, California with 123 loans, about 12.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 56 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in San Mateo, California, Citibank, NA approved the highest share of completed applications in 2025 at 96.4 percent, against a 88.6 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 Mateo, CA mortgage lenders offer FHA, VA and USDA loans?

12 lenders closed FHA loans in San Mateo, California in 2025, led by United Wholesale Mortgage with 6. 4 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.

Are credit unions and local banks included in this San Mateo, CA lender list?

Yes. 44 banks and 26 credit unions closed home loans in San Mateo, California in 2025, alongside 74 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 Mateo, CA ranked on this page?

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