Mortgage Lenders and Brokers in Santa Monica, 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 Monica, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1300 4th St, Santa Monica, CA 90401A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Pico Blvd, Santa Monica, CA 90405A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA501 Santa Monica Blvd, Santa Monica, CA 90401A+5.0 ★Texas Ratio: 2.82%, US Bank, N.A.US Bank, N.A.429 Santa Monica Blvd Ste 101, Santa Monica, CA 90401A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA287 26th St, Santa Monica, CA 90402A+5.0 ★Texas Ratio: 4.14%, City National BankCity National Bank1620 26th Street Suites 1030 And 1040 North, Santa Monica, CA 90404A+5.0 ★Texas Ratio: 5.55%, BMO Harris Bank NABMO Harris Bank NA1733 Ocean Ave, Santa Monica, CA 90401A+5.0 ★Texas Ratio: 3.54%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.100 Wilshire Blvd, Santa Monica, CA 90401A+5.0 ★Texas Ratio: 3.72%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust1630 Montana Ave, Santa Monica, CA 90403A5.0 ★Texas Ratio: 7.72%, and Change LendingChange Lending116 S Cloverdale Blvd, Cloverdale, CA 95425A+5.0 ★Texas Ratio: 3.68%. 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 Monica, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Santa Monica 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 Monica, California
Market share is the lender's share of all home loans closed in Santa Monica, 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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5 offices in Santa Monica 1300 4th St, Santa Monica, CA 90401 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 50 | 8.5% | 86.2% | $1,685,000 | View |
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5 offices in Santa Monica 3250 Pico Blvd, Santa Monica, CA 90405 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 40 +1 HELOCs |
6.8% | 91.5% | $2,585,750 | View |
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2 offices in Santa Monica 501 Santa Monica Blvd, Santa Monica, CA 90401 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 33 | 5.6% | 91.9% | $2,286,212 | View |
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3 offices in Santa Monica 429 Santa Monica Blvd Ste 101, Santa Monica, CA 90401 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 24 +9 HELOCs |
4.1% | 75% | $1,250,833 | View |
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4 offices in Santa Monica 287 26th St, Santa Monica, CA 90402 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 17 +19 HELOCs |
2.9% | 85% | $1,920,882 | View |
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2 offices in Santa Monica 1620 26th Street Suites 1030 And 1040 North, Santa Monica, CA 90404 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 17 +6 HELOCs |
2.9% | 73.9% | $1,609,117 | View |
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1 office in Santa Monica 1733 Ocean Ave, Santa Monica, CA 90401 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 16 +3 HELOCs |
2.7% | 88.9% | $2,019,375 | View |
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1 office in Santa Monica 100 Wilshire Blvd, Santa Monica, CA 90401 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.2% | 100% | $1,965,000 | View |
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2 offices in Santa Monica 1630 Montana Ave, Santa Monica, CA 90403 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 12 | 2.1% | 80% | $1,621,666 | 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, HELOC | 8 +4 HELOCs |
1.4% | 80% | $2,256,250 | View |
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1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 6 | 1% | 100% | $3,131,666 | View |
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590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.5% | 100% | $1,218,333 | View |
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100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 40% | $385,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 100% | $1,455,000 | View |
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590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57% |
Conventional, Jumbo | 2 | 0.3% | 100% | $2,035,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,480,000 | |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional | 2 | 0.3% | 66.7% | $1,620,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 2 | 0.3% | 60% | $4,480,000 | View |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 1 +9 HELOCs |
0.2% | 100% | $635,000 | View |
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16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 100% | $855,000 | View |
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750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.2% | 100% | $4,555,000 | View |
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2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34% |
Conventional, Jumbo | 1 | 0.2% | 50% | $1,225,000 | View |
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6840 Eastern Ave Ste B, Bell Gardens, CA 90201 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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19197 Town Center Dr, Apple Valley, CA 92308 A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.2% | 100% | $1,005,000 | View |
Long Beach City Employees Federal Credit Union
2845 Temple Ave, Signal Hill, CA 90755 2212 |
Conventional | 1 | 0.2% | 100% | $575,000 | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,775,000 | View |
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901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.2% | 100% | $1,205,000 | View |
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510 Canal St Ste R, King City, CA 93930 3443 |
Conventional | 1 | 0.2% | 100% | $675,000 | View |
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2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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2514 Via Tejon, Palos Verdes Peninsula, CA 90274 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
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9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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250 W Colorado Blvd, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 1.28% |
Conventional | 1 | 0.2% | 100% | $935,000 | |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,555,000 | View |
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3027 Wilshire Blvd, Santa Monica, CA 90403 A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
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633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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RAND Corporation, Santa Monica, CA 90401 3208 A5.0 ★Texas Ratio: 13.97% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 12 | 2.1% | 85.7% | $961,666 | |
loanDepot.com LLC
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Conventional | 8 | 1.4% | 100% | $356,250 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 8 | 1.4% | 100% | $1,171,250 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 6 | 1% | 100% | $1,121,666 | |
Golden Empire Mortgage, Inc.
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Conventional | 5 | 0.9% | 83.3% | $587,000 | |
New American Funding, LLC.
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Conventional, HELOC | 4 +2 HELOCs |
0.7% | 80% | $1,172,500 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 4 | 0.7% | 100% | $1,597,500 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional, Jumbo | 3 | 0.5% | 100% | $3,298,333 | View |
JMJ Financial Group Inc.
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Conventional | 3 | 0.5% | 100% | $661,666 | |
Flexpoint, Inc.
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Conventional | 3 | 0.5% | 75% | $775,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 3 | 0.5% | 75% | $818,333 | |
AAA Capital Investment, Inc
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Conventional | 2 | 0.3% | 100% | $930,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.3% | 66.7% | $495,000 | |
Mortgage Capital Partners, INC
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Conventional | 2 | 0.3% | 100% | $760,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.3% | 100% | $790,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,765,000 | |
PFN Lending Group, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,145,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,965,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.3% | 100% | $610,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 0.3% | 66.7% | $1,500,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $840,000 | |
Southland Credit Uniom
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $605,000 | |
Fundloans Capital
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Conventional | 1 | 0.2% | 100% | $525,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.2% | 100% | $695,000 | |
Pacific Lending LLC
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Conventional | 1 | 0.2% | 100% | $585,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.2% | 100% | $625,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $855,000 | |
Ahl Funding
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Conventional | 1 | 0.2% | 100% | $875,000 | |
Royal Pacific Funding
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Conventional | 1 | 0.2% | 100% | $765,000 | |
Greenbox Loans
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Conventional | 1 | 0.2% | 100% | $505,000 | |
JSB Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $685,000 | |
T. J. Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $855,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 1 | 0.2% | 33.3% | $1,655,000 | |
Marquee Capital Fund 1, LLC.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, Jumbo | 47 | 8% | 83.9% | $667,127 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 31 +5 HELOCs |
5.3% | 88.9% | $1,113,387 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 16 | 2.7% | 94.4% | $2,201,250 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 15 +1 HELOCs |
2.6% | 100% | $1,886,333 | View |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, Jumbo, HELOC | 15 +1 HELOCs |
2.6% | 100% | $963,666 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 11 +2 HELOCs |
1.9% | 100% | $754,090 | |
Originpoint, LLC
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Conventional, Jumbo, HELOC | 7 +1 HELOCs |
1.2% | 87.5% | $1,016,428 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 7 +1 HELOCs |
1.2% | 100% | $1,437,857 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 7 | 1.2% | 100% | $3,265,000 | View |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 5 +1 HELOCs |
0.9% | 75% | $985,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 4 | 0.7% | 100% | $1,340,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 3 | 0.5% | 75% | $841,666 | View |
Newrez LLC
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Conventional | 3 | 0.5% | 60% | $1,285,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 3 | 0.5% | 100% | $2,165,000 | View |
21St Mortgage
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Conventional | 3 | 0.5% | 100% | $158,333 | |
Better Mortgage Corporation
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Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.3% | 100% | $1,365,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.3% | 100% | $825,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 2 | 0.3% | 100% | $4,415,000 | View |
Sage Home Loans Corporation
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Conventional | 2 | 0.3% | 100% | $1,180,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $1,350,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,885,000 | View |
Nqm Funding, LLC
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Conventional, Jumbo | 2 | 0.3% | 100% | $2,795,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,335,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.3% | 66.7% | $575,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.3% | 100% | $615,000 | |
Mortgage Research Center
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Conventional, VA | 2 | 0.3% | 66.7% | $820,000 | |
Nations Direct Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $700,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $780,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 0.3% | 100% | $855,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.3% | 66.7% | $745,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.3% | 100% | $470,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +8 HELOCs |
0.2% | 100% | $755,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $335,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 20% | $205,000 | |
Genisys Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,575,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.2% | 100% | $4,995,000 | View |
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A+5.0 ★Texas Ratio: 0.01% |
Conventional | 1 | 0.2% | 100% | $985,000 | View |
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A5.0 ★Texas Ratio: 8.75% |
Conventional, Jumbo | 1 | 0.2% | 100% | $9,105,000 | View |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $965,000 | |
Dart Bank
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $1,145,000 | |
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A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,285,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $1,205,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 100% | $145,000 | |
VanDyk Mortgage Corporation
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VA | 1 | 0.2% | 100% | $625,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $555,000 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,785,000 | |
Transportation Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Fay Servicing LLC
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Conventional | 1 | 0.2% | 100% | $1,405,000 | |
GuardHill Financial LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,805,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,825,000 | View |
FM Home Loans LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,945,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum 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 | ||
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B+4.8 ★Texas Ratio: 16.89% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Union Savings Bank
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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 | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Santa Monica 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 Monica, California
Looking for mortgage lenders near me or mortgage brokers near me in Santa Monica? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Santa Monica in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Santa Monica, CA
Use these to narrow the list above. Each category shows how many Santa Monica, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Santa Monica, CA
Independent mortgage companies closed 47.4 percent of home loans in Santa Monica, California in 2025, banks 48.7 percent and credit unions 3.9 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Schoolsfirst FCU the largest credit union. Among lenders headquartered in California, Bank of America NA led with 17 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 Monica, CA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Santa Monica, California with 50 loans, about 8.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Santa Monica, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 86.2 percent, against a 87.3 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.
1 lenders closed FHA loans in Santa Monica, California in 2025, led by Cmg Mortgage Inc with 1. 3 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. 47 banks and 29 credit unions closed home loans in Santa Monica, California in 2025, alongside 73 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 Monica, 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 Monica, 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 Monica. 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.
