☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / California / Saratoga

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Saratoga, California

Content reviewed by

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

Saratoga, California mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA14428 Big Basin Way, Saratoga, CA 95070A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA14476 Big Basin Way, Saratoga, CA 95070A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.12988 Saratoga Sunnyvale Rd, Saratoga, CA 95070A+5.0 ★Texas Ratio: 2.85%, Citibank, NACitibank, NA12948 Saratoga Sunnyvale Rd, Saratoga, CA 95070A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA14410 Big Basin Way, Saratoga, CA 95070A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA18860 Cox Ave, Saratoga, CA 95070A+5.0 ★Texas Ratio: 3.54%, Hsbc Bank USA, NAHsbc Bank USA, NA1107 S Baldwin Ave, Arcadia, CA 91007A+5.0 ★Texas Ratio: 4.86%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, Star One Credit UnionStar One Credit Union14411 Big Basin Way, Saratoga, CA 95070A+5.0 ★Texas Ratio: 0.64%, 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 Saratoga, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Saratoga 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 Saratoga, California

Market share is the lender's share of all home loans closed in Saratoga, 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 1 office in Saratoga 14428 Big Basin Way, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	100	21.7%	97.1%	$2,305,100	View
Bank of America NA 1 office in Saratoga 14476 Big Basin Way, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	62 +21 HELOCs	13.4%	94%	$2,139,516	View
US Bank, N.A. 1 office in Saratoga 12988 Saratoga Sunnyvale Rd, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	35 +4 HELOCs	7.6%	83.3%	$2,265,000	View
Citibank, NA 1 office in Saratoga 12948 Saratoga Sunnyvale Rd, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	34 +1 HELOCs	7.4%	97.1%	$2,198,823	View
JPMorgan Chase Bank, NA 1 office in Saratoga 14410 Big Basin Way, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	25 +1 HELOCs	5.4%	89.7%	$2,188,600	View
BMO Harris Bank NA 1 office in Saratoga 18860 Cox Ave, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	13 +2 HELOCs	2.8%	86.7%	$2,475,769	View
Hsbc Bank USA, NA 1107 S Baldwin Ave, Arcadia, CA 91007 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	23	5%	100%	$2,535,434	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	14 +4 HELOCs	3%	100%	$2,313,571	View
Star One Credit Union 14411 Big Basin Way, Saratoga, CA 95070 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	5 +10 HELOCs	1.1%	75%	$1,211,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	0.9%	100%	$1,625,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.7%	100%	$1,595,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.7%	42.9%	$2,718,333	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	3	0.7%	75%	$4,441,666	View
Technology Credit Union 10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	2 +7 HELOCs	0.4%	66.7%	$2,710,000	View
East West Bank 403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.4%	100%	$2,265,000	View
Cathay Bank 590 W Main St, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	2	0.4%	100%	$1,450,000	View
Fremont Bank 200 Sand Creek Rd, Brentwood, CA 94513 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +10 HELOCs	0.2%	100%	$1,005,000	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, HELOC	1 +4 HELOCs	0.2%	100%	$405,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$735,000	View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo	1	0.2%	75%	$1,505,000	View
Tri Counties Bank 2686 Gateway Dr, Anderson, CA 96007 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo	1	0.2%	100%	$1,995,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.2%	100%	$1,145,000	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	1	0.2%	100%	$805,000	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo	1	0.2%	100%	$2,125,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	1	0.2%	100%	$2,805,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo	1	0.2%	100%	$1,285,000	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo	1	0.2%	100%	$1,305,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	HELOC	0 +3 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +2 HELOCs	0%	0%		View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +2 HELOCs	0%	n/a		View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	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
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	HELOC	0 +1 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +1 HELOCs	0%	n/a		View
Googain, Inc.	Conventional, Jumbo	8	1.7%	100%	$1,522,500
General Mortgage Capital Corporation	Conventional, Jumbo	7	1.5%	100%	$1,436,428
AmWest Funding Corp	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.7%	100%	$1,945,000
Pennymac Loan Services LLC	Conventional, Jumbo	3	0.7%	75%	$2,115,000
loanDepot.com LLC	VA, Jumbo, HELOC	1 +1 HELOCs	0.2%	100%	$4,235,000
Watermark Capital, Inc.	Conventional	1	0.2%	100%	$315,000
AAA Capital Investment, Inc	Conventional, Jumbo	1	0.2%	100%	$2,825,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.2%	100%	$3,005,000
Bay-Valley Mortgage Group	Conventional, Jumbo	1	0.2%	100%	$3,005,000
Redwood Residential Acquisition Corporation	Conventional, Jumbo	1	0.2%	100%	$3,725,000
Royal Pacific Funding	Conventional	1	0.2%	100%	$305,000
New Wave Lending Group Inc	Conventional, Jumbo	1	0.2%	100%	$2,805,000
American Internet Mortgage, Inc.	Conventional	1	0.2%	100%	$405,000
Provident Funding Associates	Conventional	1	0.2%	100%	$805,000
Franklin Loan Corporation	Conventional	1	0.2%	100%	$1,115,000
Lendsure Mortgage Corp.	Conventional	1	0.2%	100%	$475,000
Mission Loans, LLC	Conventional	1	0.2%	100%	$245,000
New American Funding, LLC.	Conventional, Jumbo	1	0.2%	50%	$1,675,000
Nmsi, Inc.	Conventional, Jumbo	1	0.2%	100%	$4,005,000
Paramount Residential Mortgage	Conventional	1	0.2%	100%	$805,000
JMAC Lending, Inc.	Conventional, Jumbo	1	0.2%	50%	$2,725,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
Pulte Mortgage LLC	Conventional, Jumbo	18	3.9%	90%	$1,257,777
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	15 +4 HELOCs	3.3%	100%	$2,230,333	View
Rocket Mortgage	Conventional, Jumbo, HELOC	10 +1 HELOCs	2.2%	62.5%	$618,000
United Wholesale Mortgage	Conventional, Jumbo	9	2%	100%	$1,118,333
Originpoint, LLC	Conventional, Jumbo	4	0.9%	100%	$2,892,500
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	4	0.9%	100%	$2,805,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	3 +3 HELOCs	0.7%	60%	$3,938,333	View
CrossCountry Mortgage, LLC	Conventional, Jumbo	3	0.7%	100%	$2,831,666
Golden Bank National Associati	Conventional, Jumbo	3	0.7%	100%	$1,748,333
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.4%	100%	$4,560,000	View
First Technology Federal Credit Union	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.2%	50%	$3,065,000
Arc Home LLC	Conventional, Jumbo	1	0.2%	50%	$2,375,000
First Community Mortgage, Inc.	Conventional	1	0.2%	100%	$685,000
Fourleaf Federal Credit Union	Conventional, Jumbo	1	0.2%	100%	$1,505,000
Dart Bank	Conventional, Jumbo	1	0.2%	100%	$1,655,000
Michigan Mutual, Inc	Conventional	1	0.2%	100%	$685,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.2%	100%	$1,205,000
Union Home Mortgage Corp.	Conventional	1	0.2%	100%	$755,000
Bay Equity LLC	Conventional, Jumbo	1	0.2%	100%	$2,995,000
Old Plank Trail Community Bank, N.A. A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo	1	0.2%	100%	$2,505,000	View
The Loan Store, Inc	Conventional	1	0.2%	100%	$895,000
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +2 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Hanscom 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
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Saratoga 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 Saratoga, California

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

Types of Mortgage Lenders in Saratoga, CA

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

Mortgage companies and brokers 39 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 30 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 1 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 51 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 46 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Saratoga, CA

Independent mortgage companies closed 21 percent of home loans in Saratoga, California in 2025, banks 75.3 percent and credit unions 3.7 percent. Change Lending was the largest mortgage company, Wells Fargo Bank NA the largest bank and Star One Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 62 loans.

21%

Mortgage companies

75.3%

Banks

3.7%

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 Saratoga, CA

Who is the largest mortgage lender in Saratoga, CA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Saratoga, California with 100 loans, about 21.7 percent of the market. The largest lender headquartered in California was Bank of America NA with 62 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Saratoga, California, Wells Fargo Bank NA approved the highest share of completed applications in 2025 at 97.1 percent, against a 91.2 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.

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

Yes. 30 banks and 17 credit unions closed home loans in Saratoga, California in 2025, alongside 39 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 Saratoga, CA ranked on this page?

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