Mortgage Lenders and Brokers in Santa Cruz, 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
Santa Cruz, California mortgage lenders include US Bank, N.A.US Bank, N.A.110 Morrissey Blvd, Santa Cruz, CA 95062A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA730 Ocean St, Santa Cruz, CA 95060A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA1551 Pacific Ave, Santa Cruz, CA 95060A+5.0 ★Texas Ratio: 3.54%, Wells Fargo Bank NAWells Fargo Bank NA1975 Soquel Dr, Santa Cruz, CA 95065A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA104 River St, Santa Cruz, CA 95060A+5.0 ★Texas Ratio: 4.14%, Bay Federal Credit UnionBay Federal Credit Union420 River St Ste C, Santa Cruz, CA 95060 2671A+5.0 ★Texas Ratio: 1.88%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, Citibank, NACitibank, NA5837 Kanan Rd, Agoura Hills, CA 91301A+5.0 ★Texas Ratio: 2.82%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, and Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%. 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 Cruz, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Cruz 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 Cruz, California
Market share is the lender's share of all home loans closed in Santa Cruz, 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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1 office in Santa Cruz 110 Morrissey Blvd, Santa Cruz, CA 95062 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 13 +2 HELOCs |
4% | 86.7% | $942,692 | View |
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1 office in Santa Cruz 730 Ocean St, Santa Cruz, CA 95060 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 11 | 3.4% | 84.6% | $824,090 | View |
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1 office in Santa Cruz 1551 Pacific Ave, Santa Cruz, CA 95060 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
1.2% | 57.1% | $1,070,000 | View |
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1 office in Santa Cruz 1975 Soquel Dr, Santa Cruz, CA 95065 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 1.2% | 50% | $950,000 | View |
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1 office in Santa Cruz 104 River St, Santa Cruz, CA 95060 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +9 HELOCs |
0% | 0% | View | |
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420 River St Ste C, Santa Cruz, CA 95060 2671 A+5.0 ★Texas Ratio: 1.88% |
Conventional, Jumbo, HELOC | 20 +40 HELOCs |
6.2% | 76.9% | $606,500 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 7 +3 HELOCs |
2.2% | 77.8% | $559,285 | View |
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5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 4 | 1.2% | 100% | $1,360,000 | View |
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★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo | 3 | 0.9% | 100% | $2,355,000 | View |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
Conventional | 3 | 0.9% | 100% | $715,000 | View |
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7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $1,135,000 | View |
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200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $715,000 | View |
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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $235,000 | View |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $885,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $1,035,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $925,000 | View |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,155,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.3% | 100% | $1,005,000 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.3% | 100% | $1,045,000 | View |
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1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57% |
Conventional | 1 | 0.3% | 100% | $1,005,000 | View |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.3% | 100% | $3,205,000 | View |
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7887 Walerga Rd, Antelope, CA 95843 A+5.0 ★Texas Ratio: 3.24% |
Conventional | 1 | 0.3% | 100% | $1,035,000 | View |
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2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $785,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.3% | 100% | $955,000 | View |
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406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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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 | |
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1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 14 | 4.3% | 100% | $667,857 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 8 | 2.5% | 88.9% | $700,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 7 | 2.2% | 100% | $857,857 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 6 | 1.9% | 100% | $826,666 | |
New American Funding, LLC.
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Conventional | 5 | 1.5% | 100% | $655,000 | |
ML Mortgage Corp.
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Conventional, FHA, Jumbo | 3 | 0.9% | 100% | $945,000 | |
Guild Mortgage Company
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Conventional | 3 | 0.9% | 100% | $501,666 | |
General Mortgage Capital Corporation
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Conventional, Jumbo | 3 | 0.9% | 100% | $945,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, FHA | 3 | 0.9% | 100% | $851,666 | View |
loanDepot.com LLC
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Conventional | 2 | 0.6% | 100% | $300,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.6% | 100% | $470,000 | |
Greenbox Loans
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Conventional | 2 | 0.6% | 100% | $645,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $820,000 | |
Zillow Home Loans, LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,280,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 0.6% | 100% | $450,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Golden Empire Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $645,000 | |
Ony Glo, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,425,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $905,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $575,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 46 | 14.2% | 86.8% | $539,782 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 42 +1 HELOCs |
13% | 97.7% | $857,619 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 15 +2 HELOCs |
4.6% | 93.8% | $741,000 | |
Guaranteed Rate, Inc.
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Conventional | 9 | 2.8% | 100% | $843,888 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 6 | 1.9% | 100% | $775,000 | View |
The Loan Store, Inc
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Conventional | 5 | 1.5% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 4 +1 HELOCs |
1.2% | 100% | $740,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 4 | 1.2% | 100% | $777,500 | |
Everett Financial, Inc.
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Conventional, Jumbo | 3 | 0.9% | 100% | $758,333 | |
Nationstar Mortgage
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Conventional | 3 | 0.9% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 66.7% | $475,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 0.6% | 66.7% | $1,120,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.6% | 66.7% | $530,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 0.6% | 100% | $115,000 | |
Securitynational Mortgage Company
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Conventional | 2 | 0.6% | 100% | $865,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.6% | 100% | $645,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,350,000 | View |
Champions Funding, LLC
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Conventional | 2 | 0.6% | 100% | $475,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 33.3% | $105,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
Originpoint, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,205,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $1,065,000 | View |
Newrez LLC
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FHA | 1 | 0.3% | 25% | $525,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $625,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $925,000 | |
Genway Home Mortgage, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,345,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 50% | $1,775,000 | |
First Technology Federal Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,185,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +14 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Consolidated Community Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | 0% |
Santa Cruz 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 Santa Cruz, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Cruz? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Cruz in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Cruz, CA
Use these to narrow the list above. Each category shows how many Santa Cruz, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Cruz, CA
Independent mortgage companies closed 68.2 percent of home loans in Santa Cruz, California in 2025, banks 17.9 percent and credit unions 13.9 percent. Change Lending was the largest mortgage company, US Bank, N.A. the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 0 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 Santa Cruz, CA
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Santa Cruz, California with 13 loans, about 4 percent of the market. The largest lender headquartered in California was Bank of America NA with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Santa Cruz, California in 2025, led by ML Mortgage Corp. with 1. 2 lenders closed VA loans, led by Rocket 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. 20 banks and 26 credit unions closed home loans in Santa Cruz, California in 2025, alongside 48 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 Santa Cruz, 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 Cruz, 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 Cruz. 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.
