Home purchase lenders in San Mateo County
4,230 home purchase mortgages were made in San Mateo County, California, in 2025, by 289 lenders. The median rate their borrowers got was 6.172% on a median loan of $1,075,000. Of 4,726 decisions, 366 were denials — 7.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Wells Fargo Bank, National Association | 546 | 5.500% | $1,480,000 | 4.3% |
| JPMorgan Chase Bank, National Association | 324 | 6.000% | $1,215,000 | 9.9% |
| Bank of America, National Association | 280 | 5.500% | $1,400,000 | 10.8% |
| Rocket Mortgage, LLC | 246 | 6.500% | $825,000 | 8.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 230 | 6.612% | $865,000 | 9.6% |
| U.S. Bank National Association | 181 | 6.125% | $1,185,000 | 4.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 122 | 5.797% | $1,205,000 | 1.6% |
| Citibank, National Association | 110 | 5.750% | $1,345,000 | 9.0% |
| PNC Bank, National Association | 104 | 6.125% | $1,175,000 | 8.6% |
| CONVENTUS LLC | 97 | 8.990% | $1,335,000 | 0.0% |
| General Mortgage Capital Corporation | 88 | 6.625% | $855,000 | 0.0% |
| GUARANTEED RATE, INC. | 74 | 6.375% | $1,030,000 | 1.3% |
| BMO Bank National Association | 72 | 5.875% | $1,505,000 | 14.3% |
| STANFORD Federal Credit Union | 69 | 6.250% | $1,045,000 | 1.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 68 | 6.750% | $1,025,000 | 2.8% |
| Broker Solutions, Inc. | 66 | 6.490% | $795,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 6.500% | $1,025,000 | 11.1% |
| Charles Schwab Bank, SSB | 55 | 5.250% | $1,365,000 | 3.5% |
| Morgan Stanley Private Bank, National Association | 54 | 5.650% | $1,290,000 | 0.0% |
| OriginPoint, LLC | 49 | 6.750% | $1,145,000 | 0.0% |
| THE GOLDEN 1 | 42 | 5.750% | $1,040,000 | 12.5% |
| East West Bank | 39 | 6.500% | $855,000 | 14.6% |
| GUARANTEED RATE AFFINITY, LLC | 39 | 6.525% | $915,000 | 0.0% |
| Kiavi Funding, Inc. | 39 | 9.250% | $1,205,000 | 0.0% |
| AMWEST FUNDING CORP. | 34 | 6.875% | $945,000 | 5.6% |
| Barrington Bank & Trust Company, National Association | 33 | 6.625% | $955,000 | 8.1% |
| San Mateo Credit Union | 32 | 5.875% | $810,000 | 31.3% |
| City National Bank | 30 | 5.315% | $1,945,000 | 8.8% |
| Commerce Home Mortgage, Inc. | 28 | 7.000% | $855,000 | 0.0% |
| CMG MORTGAGE, INC. | 25 | 6.813% | $985,000 | 3.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.625% | $785,000 | 7.7% |
| Citadel Servicing Corporation | 24 | 7.188% | $580,000 | 0.0% |
| STAR ONE Credit Union | 22 | 5.875% | $1,140,000 | 6.5% |
| THE LOAN STORE, INC. | 22 | 6.625% | $665,000 | 7.4% |
| Provident Credit Union | 22 | 5.688% | $1,115,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.800% | $245,000 | 17.5% |
| EVERETT FINANCIAL, INC. | 19 | 6.750% | $585,000 | 5.0% |
| SIRVA MORTGAGE, INC. | 19 | 0.000% | $465,000 | 0.0% |
| Citizens Bank, National Association | 19 | 5.625% | $2,055,000 | 5.0% |
| NMSI, INC. | 19 | 6.625% | $805,000 | 0.0% |
| GOOGAIN, INC. | 19 | 6.500% | $995,000 | 0.0% |
| Patelco Credit Union | 18 | 5.625% | $1,255,000 | 0.0% |
| Loandepot.Com, LLC | 17 | 6.375% | $965,000 | 15.0% |
| NEXERA HOLDING LLC | 17 | 7.000% | $1,045,000 | 0.0% |
| NEWREZ LLC | 16 | 6.563% | $780,000 | 0.0% |
| Fremont Bank | 15 | 6.500% | $925,000 | 15.8% |
| Mechanics Bank | 15 | 5.875% | $1,225,000 | 0.0% |
| First-Citizens Bank & Trust Company | 14 | 5.563% | $545,000 | 5.9% |
| RESICENTRAL, LLC | 14 | 6.625% | $905,000 | 12.5% |
| Prosperity Home Mortgage, LLC | 14 | 6.500% | $845,000 | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.500% | $1,415,000 | 6.7% |
| NexBank | 14 | 6.313% | $1,180,000 | 6.7% |
| PULTE MORTGAGE LLC | 13 | 5.375% | $1,075,000 | 7.1% |
| NEW WAVE LENDING GROUP INC | 13 | 6.875% | $845,000 | 0.0% |
| Flagstar Bank, N.A. | 12 | 5.850% | $830,000 | 36.8% |
| AAA CAPITAL INVESTMENT, INC. | 12 | 6.495% | $805,000 | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 12 | 5.625% | $915,000 | 7.7% |
| Genesis Capital, LLC | 12 | 8.851% | $3,075,000 | 0.0% |
| KIND LENDING, LLC | 11 | 6.500% | $575,000 | 38.9% |
| REDWOOD | 11 | 6.250% | $855,000 | 15.4% |
| Navy Federal Credit Union | 10 | 6.250% | $970,000 | 0.0% |
| Cathay Bank | 10 | 6.250% | $730,000 | 16.7% |
| Fidelity Lending Solutions, Inc. | 10 | 6.875% | $1,050,000 | 0.0% |
| STG MORTGAGE INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Axos Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 68.4% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Zions Bancorporation, N.A. | 6 | Under 10 loans | Under 10 loans | 7.7% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Vellum Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 549300U4NMMQ8OEM3D10 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 30.8% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Schaumburg Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNB FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HABITFACTORY USA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 89 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.