Mortgage lenders in San Mateo County
9,709 mortgages were made in San Mateo County, California, in 2025, by 410 lenders. The median rate their borrowers got was 6.375% on a median loan of $855,000. Of 12,385 decisions, 2,167 were denials — 17.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank of America, National Association | 806 | 5.875% | $965,000 | 24.8% |
| Wells Fargo Bank, National Association | 748 | 5.625% | $1,410,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 583 | 6.000% | $1,205,000 | 10.1% |
| Rocket Mortgage, LLC | 574 | 6.625% | $650,000 | 14.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 515 | 6.500% | $765,000 | 15.8% |
| U.S. Bank National Association | 491 | 6.125% | $1,005,000 | 22.0% |
| Citibank, National Association | 317 | 5.500% | $1,370,000 | 12.8% |
| San Mateo Credit Union | 211 | 7.750% | $255,000 | 29.3% |
| STANFORD Federal Credit Union | 208 | 7.250% | $410,000 | 6.6% |
| PNC Bank, National Association | 188 | 6.125% | $905,000 | 14.9% |
| BMO Bank National Association | 176 | 6.125% | $1,175,000 | 32.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 163 | 5.798% | $1,200,000 | 1.8% |
| General Mortgage Capital Corporation | 156 | 6.625% | $815,000 | 1.8% |
| GUARANTEED RATE, INC. | 147 | 6.375% | $995,000 | 5.6% |
| Patelco Credit Union | 120 | 8.000% | $250,000 | 16.9% |
| PENNYMAC LOAN SERVICES, LLC | 119 | 6.500% | $925,000 | 15.0% |
| Morgan Stanley Private Bank, National Association | 119 | 5.650% | $1,295,000 | 5.3% |
| CONVENTUS LLC | 118 | 9.125% | $1,400,000 | 0.0% |
| AMWEST FUNDING CORP. | 112 | 6.875% | $650,000 | 4.3% |
| Charles Schwab Bank, SSB | 112 | 5.375% | $1,295,000 | 1.8% |
| Broker Solutions, Inc. | 108 | 6.625% | $750,000 | 14.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 103 | 6.700% | $985,000 | 6.1% |
| East West Bank | 102 | 6.500% | $825,000 | 12.9% |
| THE GOLDEN 1 | 97 | 6.125% | $875,000 | 26.9% |
| Provident Credit Union | 96 | 6.500% | $205,000 | 1.0% |
| Fremont Bank | 88 | 8.250% | $375,000 | 37.5% |
| STAR ONE Credit Union | 79 | 6.375% | $645,000 | 26.8% |
| Loandepot.Com, LLC | 69 | 7.125% | $385,000 | 34.3% |
| GUARANTEED RATE AFFINITY, LLC | 66 | 6.490% | $1,005,000 | 1.5% |
| SPRING EQ, LLC | 65 | 8.090% | $195,000 | 61.2% |
| OriginPoint, LLC | 65 | 6.625% | $1,125,000 | 2.9% |
| FINANCE OF AMERICA REVERSE LLC | 64 | 9.483% | $695,000 | 2.9% |
| City National Bank | 61 | 5.430% | $1,605,000 | 10.1% |
| Citizens Bank, National Association | 57 | 5.875% | $2,005,000 | 6.6% |
| THE LOAN STORE, INC. | 56 | 6.725% | $585,000 | 17.7% |
| GOOGAIN, INC. | 55 | 6.250% | $805,000 | 0.0% |
| FIGURE LENDING LLC | 54 | 8.250% | $210,000 | 26.9% |
| ALLIANT CREDIT UNION | 45 | 7.750% | $255,000 | 39.2% |
| Comerica Bank | 45 | 5.990% | $405,000 | 38.7% |
| NEWREZ LLC | 44 | 6.813% | $700,000 | 40.0% |
| Kiavi Funding, Inc. | 43 | 9.250% | $1,145,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 42 | 7.000% | $915,000 | 10.6% |
| Third Federal Savings and Loan Association of Cleveland | 40 | 6.990% | $270,000 | 30.5% |
| NexBank | 40 | 6.250% | $1,010,000 | 2.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.750% | $745,000 | 13.3% |
| Barrington Bank & Trust Company, National Association | 39 | 6.500% | $885,000 | 11.1% |
| Citadel Servicing Corporation | 39 | 7.375% | $675,000 | 0.0% |
| CMG MORTGAGE, INC. | 38 | 6.811% | $805,000 | 2.4% |
| Coastal Community Bank | 34 | 8.990% | $105,000 | 3.1% |
| Tri Counties Bank | 33 | 5.990% | $235,000 | 39.7% |
| KIND LENDING, LLC | 33 | 6.875% | $515,000 | 36.5% |
| EVERETT FINANCIAL, INC. | 32 | 6.750% | $605,000 | 5.9% |
| Flagstar Bank, N.A. | 32 | 5.857% | $775,000 | 22.0% |
| NEW WAVE LENDING GROUP INC | 32 | 6.875% | $805,000 | 5.7% |
| BETTER MORTGAGE CORPORATION | 31 | 8.125% | $335,000 | 47.5% |
| NEXERA HOLDING LLC | 31 | 7.250% | $825,000 | 8.3% |
| TECHNOLOGY CREDIT UNION | 31 | 6.500% | $755,000 | 10.5% |
| NATIONSTAR MORTGAGE LLC | 30 | 8.625% | $145,000 | 16.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 29 | 7.290% | $245,000 | 31.0% |
| Zions Bancorporation, N.A. | 27 | 6.250% | $505,000 | 27.3% |
| SAN FRANCISCO FIRE CREDIT UNION | 27 | Not published | $245,000 | 6.7% |
| PENTAGON FEDERAL CREDIT UNION | 26 | 7.750% | $415,000 | 35.7% |
| REDWOOD | 26 | 8.120% | $305,000 | 36.6% |
| First-Citizens Bank & Trust Company | 26 | 5.875% | $545,000 | 23.1% |
| Navy Federal Credit Union | 25 | 7.750% | $505,000 | 35.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.625% | $715,000 | 6.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 25 | 6.500% | $1,085,000 | 20.6% |
| NMSI, INC. | 25 | 6.625% | $785,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 24 | 9.495% | $375,000 | 7.7% |
| MERIWEST | 24 | 6.390% | $310,000 | 17.2% |
| UBS Bank USA | 22 | 5.813% | $1,735,000 | 12.0% |
| AAA CAPITAL INVESTMENT, INC. | 22 | 6.688% | $790,000 | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 22 | 5.813% | $905,000 | 4.4% |
| RESICENTRAL, LLC | 21 | 6.625% | $805,000 | 8.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.500% | $1,325,000 | 8.7% |
| Prosperity Home Mortgage, LLC | 20 | 6.500% | $845,000 | 13.0% |
| Mechanics Bank | 20 | 5.938% | $1,205,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.800% | $245,000 | 17.1% |
| SIRVA MORTGAGE, INC. | 19 | 0.000% | $465,000 | 0.0% |
| Ameris Bank | 19 | 6.125% | $685,000 | 5.0% |
| Goldman Sachs Bank USA | 19 | 5.400% | $4,005,000 | 5.0% |
| OCMBC, INC. | 18 | 7.687% | $580,000 | 12.0% |
| DEEPHAVEN MORTGAGE LLC | 17 | 6.990% | $705,000 | 34.6% |
| GUILD MORTGAGE COMPANY | 17 | 6.500% | $785,000 | 0.0% |
| STG MORTGAGE INC | 16 | 6.750% | $1,035,000 | 9.1% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 9.683% | $955,000 | 13.6% |
| A&D Mortgage LLC | 15 | 6.375% | $815,000 | 6.3% |
| OAKTREE FUNDING CORP. | 15 | 7.750% | $775,000 | 0.0% |
| Cathay Bank | 15 | 6.250% | $805,000 | 21.1% |
| Fidelity Lending Solutions, Inc. | 15 | 7.000% | $1,005,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.250% | $895,000 | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.000% | $680,000 | 16.7% |
| PACIFIC SERVICE CREDIT UNION | 14 | 7.625% | $130,000 | 15.8% |
| QUORUM FEDERAL CREDIT UNION | 14 | 8.125% | $280,000 | 21.7% |
| PULTE MORTGAGE LLC | 13 | 5.375% | $1,075,000 | 7.1% |
| HomeTrust Bank | 13 | 7.750% | $425,000 | 12.5% |
| Genesis Capital, LLC | 13 | 8.850% | $2,775,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 12 | 6.375% | $800,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 6.937% | $790,000 | 52.0% |
| First Bank | 12 | 7.813% | $385,000 | 38.1% |
| CLEAREDGE LENDING LLC | 12 | 7.062% | $1,085,000 | 18.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.063% | $570,000 | 0.0% |
| CAKE MORTGAGE CORP. | 12 | 7.250% | $1,020,000 | 0.0% |
| Synergy One Lending, Inc. | 12 | 6.438% | $1,015,000 | 0.0% |
| KINECTA | 12 | 6.865% | $420,000 | 7.1% |
| TRAVIS CREDIT UNION | 12 | 5.688% | $1,060,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 12 | 13.250% | $265,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.875% | $725,000 | 52.2% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.875% | $725,000 | 8.3% |
| EMET LENDING GROUP, INC. | 11 | 7.000% | $1,025,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 11 | 6.625% | $705,000 | 0.0% |
| Bethpage Federal Credit Union | 10 | 6.490% | $455,000 | 63.0% |
| PHH Mortgage Corporation | 10 | 5.875% | $680,000 | 21.4% |
| Axos Bank | 10 | 8.063% | $1,485,000 | 16.7% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 7.375% | $1,040,000 | 0.0% |
| SCHOOLSFIRST | 10 | 5.625% | $795,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.938% | $265,000 | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 34.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| HIGHTECHLENDING INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 82.7% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PREMIER LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 8.3% |
| Financial Partners Credit Union | 7 | Under 10 loans | Under 10 loans | 33.3% |
| NuVision Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KEYPOINT Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LAND HOME FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of the Orient | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 68.4% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Provident Savings Bank, F.S.B. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 64.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 26.3% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| 549300U4NMMQ8OEM3D10 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CBC Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 92.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 73.3% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Archwest Funding | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| COASTAL FUNDING SLC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FLYHOMES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | 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 210 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in San Mateo County
143 FDIC-insured branches from 30 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Comerica Bank, 1351 Howard Ave, Burlingame
- Comerica Bank, 401 Grand Ave, South San Francisco
- Comerica Bank, 444 S El Camino Real, San Mateo
- Comerica Bank, 49 El Camino Real, Millbrae
- Comerica Bank, 644 Laurel St, San Carlos
- Heritage Bank of Commerce, 2400 Broadway St, Ste 100, Redwood City
- Heritage Bank of Commerce, 400 S El Camino Real, Ste 150, San Mateo
- JPMorgan Chase Bank, National Association, 101 Mc Lellan Dr, Apt 1034, South San Francisco
Get told when this changes
When the next year’s lending figures are out for San Mateo County, or a lender arrives or leaves.
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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.