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Mortgage Lenders and Brokers in Santa Clara, California

Content reviewed by

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

Santa Clara, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1995 El Camino Real, Santa Clara, CA 95050A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA2925 Scott Blvd, Santa Clara, CA 95054A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA2500 Pruneridge Ave, Santa Clara, CA 95050A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.3600 Juliette Ln, Santa Clara, CA 95054A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2782 Augustine Dr, Santa Clara, CA 95054A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA1705 El Camino Real, Santa Clara, CA 95050A+5.0 ★Texas Ratio: 3.54%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust3003 Tasman Dr, Santa Clara, CA 95054A5.0 ★Texas Ratio: 7.72%, Mission City Federal Credit UnionMission City Federal Credit Union1391 Franklin St, Santa Clara, CA 95050 4710A+5.0 ★Texas Ratio: 1.35%, Keypoint Credit UnionKeypoint Credit Union3556 La Rambla Ave, Santa Clara, CA 95051 0734A+5.0 ★Texas Ratio: 3.00%, and Mechanics BankMechanics Bank781 Lawrence Expy, Santa Clara, CA 95051A+5.0 ★Texas Ratio: 1.81%. 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 Santa Clara, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Clara 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 Santa Clara, California

Market share is the lender's share of all home loans closed in Santa Clara, 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 4 offices in Santa Clara 1995 El Camino Real, Santa Clara, CA 95050 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	175	15.2%	94.1%	$1,321,228	View
Bank of America NA 3 offices in Santa Clara 2925 Scott Blvd, Santa Clara, CA 95054 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	124 +20 HELOCs	10.8%	94.7%	$1,392,822	View
Citibank, NA 2 offices in Santa Clara 2500 Pruneridge Ave, Santa Clara, CA 95050 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	113 +2 HELOCs	9.8%	99.1%	$1,306,946	View
US Bank, N.A. 1 office in Santa Clara 3600 Juliette Ln, Santa Clara, CA 95054 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	81 +4 HELOCs	7%	90.1%	$1,336,728	View
JPMorgan Chase Bank, NA 5 offices in Santa Clara 2782 Augustine Dr, Santa Clara, CA 95054 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	52 +2 HELOCs	4.5%	88.5%	$1,116,346	View
BMO Harris Bank NA 1 office in Santa Clara 1705 El Camino Real, Santa Clara, CA 95050 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	22 +6 HELOCs	1.9%	71.9%	$1,228,636	View
First Ciitizens Bank and Trust 1 office in Santa Clara 3003 Tasman Dr, Santa Clara, CA 95054 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	7	0.6%	100%	$386,428	View
Mission City Federal Credit Union 1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35%	Conventional, HELOC	6 +19 HELOCs	0.5%	100%	$150,000	View
Keypoint Credit Union 3556 La Rambla Ave, Santa Clara, CA 95051 0734 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$230,000	View
Mechanics Bank 1 office in Santa Clara 781 Lawrence Expy, Santa Clara, CA 95051 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 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	63 +1 HELOCs	5.5%	95.5%	$1,144,682	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	24 +21 HELOCs	2.1%	77.1%	$739,583	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	17 +5 HELOCs	1.5%	94.4%	$1,289,117	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	12 +3 HELOCs	1%	81.2%	$1,455,833	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	10	0.9%	90.9%	$1,210,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	6	0.5%	100%	$575,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.5%	100%	$1,071,666	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	4 +7 HELOCs	0.3%	100%	$717,500	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	4 +3 HELOCs	0.3%	100%	$760,000	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, HELOC	3 +10 HELOCs	0.3%	75%	$755,000	View
Meriwest Credit Union 2042 El Camino Real, Santa Clara, CA 95050 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo, HELOC	2 +9 HELOCs	0.2%	100%	$1,220,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.2%	100%	$1,435,000	View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional, HELOC	2 +2 HELOCs	0.2%	66.7%	$100,000	View
Patelco Credit Union 2654 El Camino Real, Santa Clara, CA 95051 A5.0 ★Texas Ratio: 6.65%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$355,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	2	0.2%	66.7%	$1,560,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	2	0.2%	100%	$1,195,000
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo	2	0.2%	100%	$1,110,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	66.7%	$690,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	1 +7 HELOCs	0.1%	50%	$1,405,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$925,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$1,005,000	View
Bank of Hope 5307 Beach Blvd, Buena Park, CA 90621 A+5.0 ★Texas Ratio: 4.07%	Conventional, Jumbo	1	0.1%	100%	$1,405,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$1,085,000	View
Southwestern National Bank 2951 W Ball Rd Unit 100, Anaheim, CA 92804 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$915,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0.1%	100%	$1,035,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	100%	$1,075,000	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%	$1,495,000	View
CommonWealth Central Credit Union 8000 SANTA TERESA BLVD, GILROY, CA 95020 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +5 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +4 HELOCs	0%	n/a		View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +1 HELOCs	0%	n/a		View
UMe Federal Credit Union 3000 W Magnolia Blvd, Burbank, CA 91505 3043 A+5.0 ★Texas Ratio: 2.74%	HELOC	0 +1 HELOCs	0%	n/a		View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	HELOC	0 +1 HELOCs	0%	n/a		View
Googain, Inc.	Conventional, Jumbo	25	2.2%	96.3%	$903,000
Pennymac Loan Services LLC	Conventional, FHA, Jumbo	14	1.2%	77.8%	$867,142
General Mortgage Capital Corporation	Conventional, Jumbo	11	1%	100%	$651,363
AmWest Funding Corp	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.6%	87.5%	$852,142
New American Funding, LLC.	Conventional, FHA	5	0.4%	100%	$773,000
Nmsi, Inc.	Conventional, Jumbo	5	0.4%	100%	$1,003,000
Nexera Holding LLC	Conventional, Jumbo	5	0.4%	100%	$935,000
Kind Lending, LLC	Conventional, VA, Jumbo, HELOC	4 +1 HELOCs	0.3%	100%	$672,500
Ony Glo, Inc.	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.3%	100%	$1,427,500
loanDepot.com LLC	Conventional	4	0.3%	50%	$427,500
Resicentral LLC	Conventional, FHA	4	0.3%	83.3%	$705,000
Home Mortgage Alliance Corp (Hmac)	Conventional	3	0.3%	100%	$485,000
HomeXpress Mortgage Corp.	Conventional	3	0.3%	100%	$608,333
Bay-Valley Mortgage Group	Conventional	2	0.2%	100%	$1,120,000
New Wave Lending Group Inc	Conventional	2	0.2%	100%	$500,000
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$655,000
ClearEdge Lending LLC	Conventional, Jumbo	2	0.2%	100%	$840,000
Plaza Home Mortgage, Inc	Conventional	2	0.2%	40%	$345,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	66.7%	$255,000	View
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$665,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	1	0.1%	50%	$1,395,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$555,000
Habitfactory USA Inc dba Loaning AI	Conventional	1	0.1%	100%	$625,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,285,000
Provident Funding Associates	Conventional	1	0.1%	100%	$125,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
The Police Credit Union of California	Conventional	1	0.1%	100%	$375,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$205,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$175,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$605,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$595,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$305,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$505,000
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Hightechlending, Inc	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	90	7.8%	89.3%	$740,333
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	40 +2 HELOCs	3.5%	95.3%	$737,250
Sage Home Loans Corporation	Conventional	10	0.9%	83.3%	$1,136,000
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo	8	0.7%	100%	$1,056,250
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	7	0.6%	100%	$1,066,428	View
The Loan Store, Inc	Conventional, Jumbo	7	0.6%	90.9%	$793,571
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.5%	100%	$1,223,333	View
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.5%	100%	$881,666
Guidance Residential, LLC	Conventional	6	0.5%	100%	$1,063,333
Spring Eq, LLC	Conventional, HELOC	5 +3 HELOCs	0.4%	35.7%	$225,000
Guaranteed Rate Affinity, LLC	Conventional	5	0.4%	100%	$705,000
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.3%	100%	$1,005,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	4 +2 HELOCs	0.3%	66.7%	$270,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.3%	100%	$617,500	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.3%	100%	$1,135,000	View
Originpoint, LLC	Conventional, Jumbo	3	0.3%	100%	$1,208,333
Taylor Morrison Home Funding, Inc.	Conventional	3	0.3%	100%	$478,333
Prosperity Home Mortgage, LLC	Conventional, Jumbo	3	0.3%	100%	$765,000
Alliant Credit Union	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.2%	100%	$1,120,000
Better Mortgage Corporation	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.2%	100%	$720,000
Newrez LLC	Conventional, VA, Jumbo	2	0.2%	33.3%	$960,000
Nbkc Bank	Conventional	2	0.2%	66.7%	$535,000
Movement Mortgage, LLC	Conventional, Jumbo	2	0.2%	100%	$1,565,000
Advancial Federal Credit Union	Conventional	2	0.2%	100%	$940,000
Amerisave Mortgage Company	Conventional	2	0.2%	33.3%	$135,000
First Colony Mortgage Corporat	Conventional	2	0.2%	100%	$630,000
Teachers Federal Credit Union	Conventional, Jumbo	2	0.2%	100%	$1,970,000
Vellum Mortgage, Inc.	Conventional	2	0.2%	100%	$745,000
Nationstar Mortgage	Conventional	2	0.2%	100%	$75,000
Mutual of Omaha Mortgage	Conventional	2	0.2%	100%	$915,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.2%	100%	$1,020,000
Citizens Equity First Credit U	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$675,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$1,205,000	View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$1,185,000	View
Fourleaf Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$925,000
Arc Home LLC	Conventional	1	0.1%	100%	$1,115,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$565,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$755,000
Primelending	Conventional	1	0.1%	100%	$395,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$725,000
Freedom Mortgage Corporation	FHA	1	0.1%	50%	$815,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$405,000
Discover Bank	Conventional	1	0.1%	50%	$255,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$565,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional, Jumbo	1	0.1%	100%	$1,385,000
Real Genius LLC	Conventional	1	0.1%	100%	$905,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$525,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$155,000
Boeing Employees' Credit Union	Conventional	1	0.1%	100%	$505,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	1	0.1%	100%	$1,585,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$595,000	View
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	Conventional, Jumbo	1	0.1%	100%	$1,235,000	View
Mortgage Research Center	VA	1	0.1%	50%	$385,000
Uif Corporation	Conventional	1	0.1%	100%	$935,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$985,000
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional	1	0.1%	100%	$915,000	View
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$1,205,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$995,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$255,000	View
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$975,000
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$475,000
United Nations Federal CU	Conventional	1	0.1%	100%	$1,155,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$755,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$355,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	0%		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeStreet Bank	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	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.

Santa Clara 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 Santa Clara, California

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

Types of Mortgage Lenders in Santa Clara, CA

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

Mortgage companies and brokers 78 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 38 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 34 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 10 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 52 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 65 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Santa Clara, CA

Independent mortgage companies closed 31.2 percent of home loans in Santa Clara, California in 2025, banks 61.4 percent and credit unions 7.4 percent. Sun West Mortgage Company, Inc was the largest mortgage company, Wells Fargo Bank NA the largest bank and Mission City Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 124 loans.

31.2%

Mortgage companies

61.4%

Banks

7.4%

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 Santa Clara, CA

Who is the largest mortgage lender in Santa Clara, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Santa Clara, California with 175 loans, about 15.2 percent of the market. The largest lender headquartered in California was Bank of America NA with 124 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Santa Clara, CA have the highest approval rates?

Among lenders with meaningful volume in Santa Clara, California, Citibank, NA approved the highest share of completed applications in 2025 at 99.1 percent, against a 90.2 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 Santa Clara, CA mortgage lenders offer FHA, VA and USDA loans?

10 lenders closed FHA loans in Santa Clara, California in 2025, led by Guaranteed Rate, Inc. with 2. 6 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 Santa Clara, CA lender list?

Yes. 38 banks and 34 credit unions closed home loans in Santa Clara, California in 2025, alongside 78 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 Santa Clara, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Santa Clara, 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 Santa Clara, 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 Santa Clara. 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.