Mortgage Lenders and Brokers in Scotts Valley, 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
Scotts Valley, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA247 Mount Hermon Rd, Scotts Valley, CA 95066A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA4525 Scotts Valley Dr, Scotts Valley, CA 95066A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA100 Kings Village Rd, Scotts Valley, CA 95066A+5.0 ★Texas Ratio: 5.36%, Bay Federal Credit UnionBay Federal Credit Union255 Mount Hermon Rd Ste C, Scotts Valley, CA 95066 4080A+5.0 ★Texas Ratio: 1.88%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, Star One Credit UnionStar One Credit Union10991 N De Anza Blvd, Cupertino, CA 95014 6303A+5.0 ★Texas Ratio: 0.64%, PNC Bank N.A.PNC Bank N.A.1329 Broadway Ave, Atwater, CA 95301A+5.0 ★Texas Ratio: 4.24%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, and Patelco Credit UnionPatelco Credit Union2033 Kala Bagai Way, Berkeley, CA 94704A5.0 ★Texas Ratio: 6.65%. 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 Scotts Valley, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Scotts Valley 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 Scotts Valley, California
Market share is the lender's share of all home loans closed in Scotts Valley, 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 Scotts Valley 247 Mount Hermon Rd, Scotts Valley, CA 95066 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA, Jumbo, HELOC | 12 +1 HELOCs |
4.4% | 100% | $1,063,333 | View |
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1 office in Scotts Valley 4525 Scotts Valley Dr, Scotts Valley, CA 95066 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +11 HELOCs |
1.5% | 100% | $995,000 | View |
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1 office in Scotts Valley 100 Kings Village Rd, Scotts Valley, CA 95066 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 1.5% | 80% | $877,500 | View |
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255 Mount Hermon Rd Ste C, Scotts Valley, CA 95066 4080 A+5.0 ★Texas Ratio: 1.88% |
Conventional, Jumbo, HELOC | 22 +20 HELOCs |
8.1% | 81.5% | $394,090 | View |
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11994 Palmdale Rd, Adelanto, CA 92301 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, Jumbo, HELOC | 18 +4 HELOCs |
6.7% | 94.7% | $1,108,333 | View |
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10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
2.2% | 85.7% | $713,333 | 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 | 3 +1 HELOCs |
1.1% | 75% | $1,035,000 | View |
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8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,885,000 | View |
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855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $725,000 | View |
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2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $155,000 | View |
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311 |
Conventional | 1 | 0.4% | 100% | $715,000 | |
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1500 S Sepulveda Blvd, Los Angeles, CA 90025 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.4% | 100% | $1,135,000 | View |
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5180 N Palm Ave, Fresno, CA 93704 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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2530 El Camino Real, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 0.52% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,255,000 | View |
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4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94% |
Conventional, Jumbo | 1 | 0.4% | 50% | $1,775,000 | View |
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403 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 1 | 0.4% | 100% | $935,000 | View |
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255 California St Ste 600, San Francisco, CA 94111 A5.0 ★Texas Ratio: 11.81% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
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★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | 100% | 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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10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10051 S De Anza Blvd, Cupertino, CA 95014 2105 A+5.0 ★Texas Ratio: 3.57% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1391 Franklin St, Santa Clara, CA 95050 4710 A+5.0 ★Texas Ratio: 1.35% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
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1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30% |
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, VA | 6 | 2.2% | 85.7% | $766,666 | |
Guild Mortgage Company
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Conventional | 4 | 1.5% | 85.7% | $775,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 4 | 1.5% | 100% | $1,062,500 | |
Provident Funding Associates
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Conventional | 3 | 1.1% | 100% | $631,666 | |
Mason-McDuffie Mortgage Corporation
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Conventional, Jumbo | 3 | 1.1% | 75% | $1,261,666 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $685,000 | |
HomeXpress Mortgage Corp.
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Conventional | 2 | 0.7% | 100% | $1,100,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.7% | 100% | $760,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 2 | 0.7% | 100% | $1,050,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $105,000 | |
Augusta Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $1,035,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $885,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $335,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $1,155,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.4% | 100% | $625,000 | View |
Hightechlending, Inc
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Conventional | 1 | 0.4% | 100% | $805,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $725,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $1,015,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 44 | 16.3% | 97.8% | $910,227 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 32 | 11.9% | 82.5% | $763,437 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 12 +1 HELOCs |
4.4% | 86.7% | $806,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.9% | 100% | $1,203,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, Jumbo | 5 | 1.9% | 100% | $953,000 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 1.9% | 83.3% | $687,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +2 HELOCs |
1.5% | 100% | $230,000 | |
Sage Home Loans Corporation
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Conventional, Jumbo | 3 | 1.1% | 100% | $978,333 | |
Movement Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 1.1% | 100% | $918,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $935,000 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 0.7% | 100% | $775,000 | |
Freedom Mortgage Corporation
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Conventional | 2 | 0.7% | 100% | $585,000 | |
Nbkc Bank
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Conventional | 2 | 0.7% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA, Jumbo | 2 | 0.7% | 100% | $1,250,000 | View |
Credit Human Federal Credit Un
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Conventional | 2 | 0.7% | 100% | $260,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.7% | 100% | $825,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $255,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $885,000 | |
Arc Home LLC
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Conventional | 1 | 0.4% | 50% | $825,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.4% | 100% | $755,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 100% | $1,035,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.4% | 100% | $705,000 | View |
Everett Financial, Inc.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,215,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 25% | $65,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 40% | $55,000 | |
Delmar Financial Company
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Conventional | 1 | 0.4% | 100% | $1,085,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 50% | $445,000 | |
Advancial Federal Credit Union
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,195,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.4% | 100% | $1,125,000 | View |
HomeStreet Bank
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.4% | 100% | $425,000 | |
Bay Equity LLC
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Conventional | 1 | 0.4% | 100% | $555,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 0.4% | 100% | $885,000 | |
Teachers Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $875,000 | |
Mutual of Omaha Mortgage
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,735,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $1,035,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $525,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +3 HELOCs |
0% | 0% | ||
Citizens Equity First Credit U
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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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 |
Scotts Valley 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 Scotts Valley, California
Looking for mortgage lenders near me or mortgage brokers near me in Scotts Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Scotts Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Scotts Valley, CA
Use these to narrow the list above. Each category shows how many Scotts Valley, CA lenders fit and what that kind of lender is usually best for.
Who Lends in Scotts Valley, CA
Independent mortgage companies closed 63 percent of home loans in Scotts Valley, California in 2025, banks 22.2 percent and credit unions 14.8 percent. Synergy One Lending, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Bay Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 4 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 Scotts Valley, CA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Scotts Valley, California with 12 loans, about 4.4 percent of the market. The largest lender headquartered in California was Bank of America NA with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Scotts Valley, California in 2025, led by Rocket Mortgage with 2. 8 lenders closed VA loans, led by JPMorgan Chase Bank, NA. 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. 26 banks and 23 credit unions closed home loans in Scotts Valley, California in 2025, alongside 51 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 Scotts Valley, 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 Scotts Valley, 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 Scotts Valley. 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.
