Mortgage lenders in Santa Clara County
25,551 mortgages were made in Santa Clara County, California, in 2025, by 525 lenders. The median rate their borrowers got was 6.240% on a median loan of $905,000. Of 32,953 decisions, 5,889 were denials — 17.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Wells Fargo Bank, National Association | 2,679 | 5.500% | $1,455,000 | 6.1% |
| Bank of America, National Association | 2,383 | 5.625% | $1,165,000 | 20.9% |
| Rocket Mortgage, LLC | 1,514 | 6.625% | $625,000 | 20.2% |
| U.S. Bank National Association | 1,347 | 6.000% | $1,155,000 | 19.7% |
| Citibank, National Association | 1,316 | 5.500% | $1,325,000 | 8.7% |
| JPMorgan Chase Bank, National Association | 1,069 | 5.875% | $1,145,000 | 12.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,045 | 6.499% | $705,000 | 15.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 786 | 5.818% | $1,205,000 | 1.7% |
| STAR ONE Credit Union | 689 | 6.750% | $305,000 | 23.9% |
| BMO Bank National Association | 503 | 6.125% | $1,145,000 | 35.5% |
| PNC Bank, National Association | 410 | 6.125% | $995,000 | 17.5% |
| THE GOLDEN 1 | 365 | 5.875% | $1,015,000 | 24.8% |
| TECHNOLOGY CREDIT UNION | 327 | 7.500% | $255,000 | 18.8% |
| GOOGAIN, INC. | 308 | 6.375% | $800,000 | 0.6% |
| MERIWEST | 285 | 6.390% | $305,000 | 29.6% |
| PENNYMAC LOAN SERVICES, LLC | 269 | 6.500% | $915,000 | 17.1% |
| Fremont Bank | 268 | 8.250% | $365,000 | 29.2% |
| STANFORD Federal Credit Union | 268 | 7.500% | $405,000 | 3.5% |
| AMWEST FUNDING CORP. | 252 | 6.875% | $715,000 | 8.0% |
| Loandepot.Com, LLC | 250 | 6.875% | $490,000 | 25.4% |
| CONVENTUS LLC | 244 | 9.000% | $1,255,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 233 | 6.875% | $875,000 | 5.5% |
| Charles Schwab Bank, SSB | 231 | 5.250% | $1,445,000 | 4.1% |
| General Mortgage Capital Corporation | 208 | 6.500% | $775,000 | 0.0% |
| GUARANTEED RATE, INC. | 206 | 6.500% | $925,000 | 10.8% |
| Broker Solutions, Inc. | 199 | 6.875% | $765,000 | 9.4% |
| City National Bank | 191 | 5.430% | $1,340,000 | 13.0% |
| Morgan Stanley Private Bank, National Association | 191 | 5.675% | $1,405,000 | 4.0% |
| East West Bank | 173 | 6.500% | $845,000 | 6.8% |
| GUARANTEED RATE AFFINITY, LLC | 166 | 6.563% | $875,000 | 4.5% |
| Patelco Credit Union | 155 | 6.250% | $685,000 | 11.5% |
| NMSI, INC. | 154 | 6.875% | $785,000 | 0.0% |
| THE LOAN STORE, INC. | 153 | 6.625% | $545,000 | 17.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 140 | 7.250% | $405,000 | 15.9% |
| Mirastar Federal Credit Union | 135 | 7.500% | $165,000 | 14.3% |
| FIGURE LENDING LLC | 134 | 8.600% | $125,000 | 32.9% |
| Provident Credit Union | 134 | 6.000% | $485,000 | 1.5% |
| FINANCE OF AMERICA REVERSE LLC | 133 | 9.240% | $675,000 | 13.5% |
| SPRING EQ, LLC | 126 | 8.175% | $155,000 | 65.7% |
| TRIAD FINANCIAL SERVICES, INC. | 121 | 8.680% | $265,000 | 26.1% |
| OriginPoint, LLC | 109 | 6.375% | $1,035,000 | 3.5% |
| CommonWealth Central Credit Union | 106 | 7.500% | $205,000 | 31.3% |
| Commerce Home Mortgage, Inc. | 104 | 7.250% | $1,015,000 | 11.7% |
| PULTE MORTGAGE LLC | 101 | 4.990% | $1,005,000 | 5.6% |
| First-Citizens Bank & Trust Company | 101 | 5.125% | $335,000 | 5.5% |
| Coastal Community Bank | 99 | 8.740% | $105,000 | 2.8% |
| KIND LENDING, LLC | 97 | 6.750% | $715,000 | 33.8% |
| Comerica Bank | 95 | 5.990% | $355,000 | 42.3% |
| NEWREZ LLC | 93 | 6.500% | $645,000 | 41.9% |
| GUILD MORTGAGE COMPANY | 93 | 6.625% | $645,000 | 3.7% |
| NATIONSTAR MORTGAGE LLC | 90 | 8.375% | $180,000 | 31.1% |
| NEW WAVE LENDING GROUP INC | 90 | 7.000% | $970,000 | 0.0% |
| Kiavi Funding, Inc. | 85 | 8.950% | $1,290,000 | 8.4% |
| OCMBC, INC. | 80 | 6.875% | $740,000 | 24.2% |
| KEYPOINT Credit Union | 79 | 6.490% | $255,000 | 19.6% |
| ALLIANT CREDIT UNION | 79 | 7.750% | $255,000 | 24.6% |
| NexBank | 79 | 6.125% | $925,000 | 8.9% |
| Third Federal Savings and Loan Association of Cleveland | 77 | 6.990% | $305,000 | 38.4% |
| BETTER MORTGAGE CORPORATION | 75 | 8.000% | $395,000 | 43.7% |
| Paramount Residential Mortgage Group, Inc. | 74 | 6.375% | $760,000 | 5.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 6.375% | $655,000 | 11.9% |
| Zions Bancorporation, N.A. | 70 | 6.250% | $755,000 | 27.3% |
| RESICENTRAL, LLC | 68 | 6.625% | $705,000 | 4.7% |
| CMG MORTGAGE, INC. | 67 | 6.500% | $805,000 | 13.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 65 | 6.750% | $775,000 | 9.7% |
| Navy Federal Credit Union | 63 | 7.750% | $305,000 | 34.7% |
| CITIZENS EQUITY FIRST | 60 | 7.625% | $280,000 | 21.8% |
| Synergy One Lending, Inc. | 60 | 6.750% | $885,000 | 4.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 58 | 5.625% | $620,000 | 1.3% |
| Mechanics Bank | 56 | 5.875% | $1,245,000 | 12.3% |
| 21st Mortgage Corporation | 55 | 9.690% | $215,000 | 56.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 55 | 8.500% | $185,000 | 43.1% |
| Flagstar Bank, N.A. | 54 | 6.000% | $885,000 | 33.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 53 | 7.490% | $215,000 | 29.0% |
| Citadel Servicing Corporation | 50 | 7.063% | $805,000 | 3.0% |
| LONGBRIDGE FINANCIAL, LLC | 47 | 9.240% | $705,000 | 0.0% |
| Mission City Federal Credit Union | 46 | 6.500% | $190,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 44 | 6.688% | $730,000 | 10.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 44 | 9.983% | $280,000 | 20.7% |
| TRAVIS CREDIT UNION | 44 | 5.750% | $1,180,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 42 | 6.250% | $645,000 | 21.4% |
| Genesis Capital, LLC | 40 | 8.811% | $2,300,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 39 | 6.875% | $755,000 | 0.0% |
| NEXERA HOLDING LLC | 38 | 7.438% | $785,000 | 15.6% |
| A&D Mortgage LLC | 38 | 6.125% | $710,000 | 7.1% |
| AmeriSave Mortgage Corporation | 37 | 8.250% | $155,000 | 76.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 37 | 6.120% | $835,000 | 14.3% |
| Bethpage Federal Credit Union | 36 | 6.490% | $450,000 | 38.3% |
| 549300U4NMMQ8OEM3D10 | 36 | Not published | $275,000 | 2.7% |
| HOMEXPRESS MORTGAGE CORP. | 34 | 7.188% | $785,000 | 30.0% |
| QUORUM FEDERAL CREDIT UNION | 33 | 8.375% | $345,000 | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 32 | 7.750% | $405,000 | 55.6% |
| CHAMPIONS FUNDING, LLC | 31 | 7.750% | $905,000 | 40.4% |
| DEEPHAVEN MORTGAGE LLC | 29 | 7.990% | $465,000 | 32.6% |
| Cathay Bank | 29 | 6.375% | $1,225,000 | 20.5% |
| FlexPoint, Inc. | 28 | 6.875% | $725,000 | 7.9% |
| FREEDOM MORTGAGE CORPORATION | 27 | 6.125% | $805,000 | 26.7% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 27 | 5.625% | $1,165,000 | 3.5% |
| Citizens Bank, National Association | 27 | 5.750% | $1,865,000 | 0.0% |
| Taylor Morrison Home Funding, Inc. | 26 | 6.625% | $755,000 | 16.1% |
| San Mateo Credit Union | 26 | 6.625% | $455,000 | 27.8% |
| JMAC LENDING, INC. | 26 | 6.875% | $965,000 | 3.7% |
| Tri Counties Bank | 26 | 6.000% | $1,240,000 | 12.9% |
| CBC Federal Credit Union | 26 | 8.000% | $255,000 | 16.1% |
| ZILLOW HOME LOANS, LLC | 26 | 6.125% | $790,000 | 10.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 25 | 6.490% | $655,000 | 7.8% |
| KBHS HOME LOANS, LLC | 25 | 6.500% | $945,000 | 16.7% |
| Ameris Bank | 25 | 6.375% | $625,000 | 7.4% |
| AMERITRUST MORTGAGE CORPORATION | 24 | 7.313% | $925,000 | 4.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 24 | 7.625% | $930,000 | 22.6% |
| VISTA POINT MORTGAGE, LLC | 24 | 8.188% | $535,000 | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 24 | 6.625% | $880,000 | 17.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 6.313% | $655,000 | 13.8% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 7.750% | $205,000 | 67.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 23 | 6.500% | $595,000 | 8.0% |
| Sierra Pacific Mortgage Company, Inc. | 23 | 6.625% | $645,000 | 8.0% |
| UBS Bank USA | 23 | 5.875% | $1,445,000 | 11.5% |
| ONY GLO, INC. | 23 | 6.125% | $805,000 | 14.8% |
| NBKC BANK | 22 | 6.375% | $670,000 | 4.4% |
| Fidelity Lending Solutions, Inc. | 22 | 7.250% | $1,080,000 | 3.3% |
| HIGHTECHLENDING INC | 22 | 7.500% | $685,000 | 8.0% |
| Insignia Capital Corp. | 22 | 8.750% | $1,225,000 | 0.0% |
| Easy Street Capital, LLC | 22 | 9.900% | $1,150,000 | 0.0% |
| Axos Bank | 21 | 7.375% | $1,335,000 | 20.7% |
| TEACHERS FEDERAL CREDIT UNION | 21 | 5.750% | $1,625,000 | 0.0% |
| PHH Mortgage Corporation | 20 | 6.063% | $640,000 | 20.0% |
| HomeTrust Bank | 20 | 7.750% | $505,000 | 39.4% |
| USALLIANCE FEDERAL CREDIT UNION | 20 | 8.125% | $485,000 | 13.0% |
| Archwest Funding | 20 | 8.250% | $1,570,000 | 4.6% |
| First Bridge Funding, Inc. | 20 | 9.990% | $805,000 | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 19 | 6.625% | $765,000 | 0.0% |
| ARC HOME LLC | 18 | 6.995% | $1,110,000 | 18.2% |
| Royal Business Bank | 18 | 6.750% | $1,055,000 | 14.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 18 | 6.313% | $630,000 | 9.5% |
| First Bank | 18 | 6.750% | $800,000 | 10.0% |
| LENNAR MORTGAGE, LLC | 18 | 5.688% | $740,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 18 | 7.063% | $685,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 17 | 7.250% | $355,000 | 22.7% |
| LAND HOME FINANCIAL SERVICES, INC. | 17 | 6.750% | $585,000 | 13.6% |
| SCHOOLSFIRST | 17 | 5.750% | $405,000 | 19.1% |
| 254900YZ174H294JW398 | 17 | 6.500% | $845,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 17 | 7.000% | $1,125,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 17 | 6.750% | $705,000 | 5.6% |
| NATIONWIDE EQUITIES CORPORATION | 17 | 8.980% | $1,175,000 | 0.0% |
| Discover Bank | 16 | 8.405% | $110,000 | 82.7% |
| Home Mortgage Alliance Corporation (HMAC) | 16 | 7.625% | $565,000 | 26.1% |
| Fairway Independent Mortgage Corporation | 16 | 6.500% | $950,000 | 5.6% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.438% | $605,000 | 29.2% |
| Goldman Sachs Bank USA | 16 | 5.350% | $3,005,000 | 11.1% |
| SmartFi Home Loans, LLC | 16 | 8.990% | $720,000 | 5.9% |
| T. J. FINANCIAL, INC. | 16 | 6.063% | $725,000 | 0.0% |
| DIGITAL | 15 | 7.750% | $425,000 | 23.8% |
| Hometown Equity Mortgage, LLC | 15 | 7.125% | $705,000 | 61.5% |
| Logan Finance Corporation | 15 | 6.749% | $1,025,000 | 25.0% |
| Barrington Bank & Trust Company, National Association | 15 | 6.875% | $895,000 | 0.0% |
| United Nations Federal Credit Union | 15 | 5.625% | $1,155,000 | 0.0% |
| Mortgage Research Center, LLC | 14 | 5.750% | $810,000 | 64.1% |
| Truist Bank | 14 | 6.490% | $255,000 | 70.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 14 | 6.625% | $610,000 | 0.0% |
| KINECTA | 14 | 6.865% | $345,000 | 30.0% |
| EMET LENDING GROUP, INC. | 14 | 7.000% | $735,000 | 0.0% |
| Lendage, LLC | 13 | 11.125% | $135,000 | 43.5% |
| CAKE MORTGAGE CORP. | 13 | 7.490% | $885,000 | 0.0% |
| MISSION LOANS, LLC | 12 | 7.750% | $185,000 | 0.0% |
| UNCLE Credit Union | 12 | 7.490% | $400,000 | 36.8% |
| Provident Savings Bank, F.S.B. | 12 | 6.188% | $775,000 | 36.8% |
| CLEAREDGE LENDING LLC | 12 | 7.438% | $1,130,000 | 23.5% |
| Emporium TPO LLC | 12 | 7.240% | $995,000 | 15.0% |
| 9845007CY0EC0F59W414 | 12 | 7.188% | $620,000 | 7.7% |
| NuVision Federal Credit Union | 12 | 5.245% | $500,000 | 29.4% |
| STG MORTGAGE INC | 12 | 6.875% | $735,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 12 | 6.875% | $985,000 | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 12 | 6.433% | $1,115,000 | 20.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.625% | $1,375,000 | 0.0% |
| GTE Federal Credit Union | 12 | 8.000% | $155,000 | 13.3% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 12 | 5.850% | $3,075,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 12 | 13.125% | $205,000 | 0.0% |
| FUNDLOANS CAPITAL | 11 | 7.240% | $905,000 | 8.3% |
| ROYAL PACIFIC FUNDING CORP. | 11 | 6.875% | $795,000 | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 11 | 6.625% | $885,000 | 0.0% |
| Abundance 99, Inc. | 11 | 9.350% | $925,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 7.000% | $965,000 | 20.0% |
| Greenbox Loans, Inc. | 10 | 7.438% | $835,000 | 0.0% |
| Northpointe Bank | 10 | 7.250% | $590,000 | 0.0% |
| CHEVRON Federal Credit Union | 10 | 7.250% | $500,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 10 | 6.625% | $1,025,000 | 9.1% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 3.3% |
| Valon Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 30.0% |
| WESCOM CENTRAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| ENNKAR, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 58.6% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 41.2% |
| EQUITY WAVE LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Golden Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | 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 325 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
Bank branches in Santa Clara County
286 FDIC-insured branches from 42 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
24 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 3000 El Camino Real Ste 130, Palo Alto
- Comerica Bank, 10020 N De Anza Blvd, Cupertino
- Comerica Bank, 1092 Blossom Hill Rd, San Jose
- Comerica Bank, 1191 Lincoln Ave, San Jose
- Comerica Bank, 1245 S Winchester Blvd, San Jose
- Comerica Bank, 1289 S Park Victoria Dr, Milpitas
- Comerica Bank, 13000 Saratoga Sunnyvale Rd, Saratoga
- Comerica Bank, 226 Airport Pkwy, San Jose
- Comerica Bank, 250 Lytton Ave, Palo Alto
- Comerica Bank, 275 3rd St, Los Altos
- Comerica Bank, 333 W Santa Clara St, San Jose
- Comerica Bank, 444 N Santa Cruz Ave, Los Gatos
- Comerica Bank, 5601 Silver Creek Valley Rd, San Jose
- Comerica Bank, 800 E El Camino Real, Sunnyvale
- Flagstar Bank, National Association, 111 W Saint John St, Ste 1120, San Jose
- Heritage Bank of Commerce, 15575 Los Gatos Blvd, Ste B, Los Gatos
- Heritage Bank of Commerce, 18625 Sutter Blvd, Morgan Hill
- Heritage Bank of Commerce, 224 Airport Pkwy, San Jose
- Heritage Bank of Commerce, 325 Lytton Ave, Ste 100, Palo Alto
- Heritage Bank of Commerce, 419 S San Antonio Rd, Los Altos
- Heritage Bank of Commerce, 7598 Monterey St, Gilroy
- HomeStreet Bank, 781 Lawrence Expy, Santa Clara
- JPMorgan Chase Bank, National Association, 10955 N Wolfe Rd, Cupertino
- United Security Bank, 125 E Campbell Ave, Campbell
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.