Home purchase lenders in Santa Clara County
10,707 home purchase mortgages were made in Santa Clara County, California, in 2025, by 383 lenders. The median rate their borrowers got was 6.050% on a median loan of $1,085,000. Of 12,326 decisions, 1,143 were denials — 9.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Wells Fargo Bank, National Association | 1,845 | 5.500% | $1,455,000 | 4.6% |
| Bank of America, National Association | 863 | 5.490% | $1,405,000 | 11.0% |
| Rocket Mortgage, LLC | 570 | 6.500% | $795,000 | 16.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 558 | 5.840% | $1,205,000 | 0.9% |
| JPMorgan Chase Bank, National Association | 521 | 5.875% | $1,190,000 | 9.3% |
| U.S. Bank National Association | 458 | 6.083% | $1,195,000 | 9.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 394 | 6.536% | $805,000 | 11.1% |
| Citibank, National Association | 327 | 5.750% | $1,305,000 | 4.9% |
| PNC Bank, National Association | 213 | 6.125% | $1,345,000 | 8.1% |
| CONVENTUS LLC | 208 | 9.000% | $1,270,000 | 0.0% |
| BMO Bank National Association | 201 | 5.875% | $1,445,000 | 13.2% |
| THE GOLDEN 1 | 145 | 5.875% | $1,165,000 | 13.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 136 | 6.838% | $920,000 | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | 134 | 6.500% | $1,050,000 | 15.6% |
| Broker Solutions, Inc. | 131 | 6.875% | $885,000 | 0.8% |
| GOOGAIN, INC. | 126 | 6.500% | $895,000 | 0.8% |
| GUARANTEED RATE, INC. | 123 | 6.500% | $975,000 | 1.6% |
| TRIAD FINANCIAL SERVICES, INC. | 120 | 8.675% | $270,000 | 25.6% |
| STAR ONE Credit Union | 113 | 6.000% | $905,000 | 8.0% |
| General Mortgage Capital Corporation | 107 | 6.500% | $835,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 104 | 6.588% | $1,010,000 | 0.9% |
| PULTE MORTGAGE LLC | 101 | 4.990% | $1,005,000 | 5.6% |
| Morgan Stanley Private Bank, National Association | 97 | 5.650% | $1,535,000 | 2.8% |
| AMWEST FUNDING CORP. | 97 | 6.875% | $805,000 | 5.8% |
| Charles Schwab Bank, SSB | 92 | 5.125% | $1,590,000 | 5.1% |
| NMSI, INC. | 90 | 6.875% | $830,000 | 0.0% |
| First-Citizens Bank & Trust Company | 88 | 5.000% | $315,000 | 2.2% |
| Kiavi Funding, Inc. | 83 | 8.950% | $1,290,000 | 6.6% |
| Loandepot.Com, LLC | 77 | 6.625% | $785,000 | 5.9% |
| OriginPoint, LLC | 75 | 6.500% | $1,005,000 | 1.3% |
| City National Bank | 68 | 5.460% | $1,455,000 | 9.2% |
| Patelco Credit Union | 67 | 5.625% | $1,265,000 | 9.2% |
| THE LOAN STORE, INC. | 65 | 6.750% | $715,000 | 6.6% |
| STANFORD Federal Credit Union | 63 | 6.125% | $805,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 61 | 6.500% | $695,000 | 1.4% |
| Commerce Home Mortgage, Inc. | 57 | 7.125% | $995,000 | 9.4% |
| East West Bank | 57 | 6.500% | $785,000 | 8.1% |
| Provident Credit Union | 55 | 5.750% | $1,055,000 | 0.0% |
| KIND LENDING, LLC | 50 | 6.625% | $780,000 | 26.5% |
| 21st Mortgage Corporation | 47 | 9.690% | $225,000 | 57.3% |
| CMG MORTGAGE, INC. | 47 | 6.500% | $785,000 | 3.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 45 | 8.500% | $205,000 | 42.4% |
| NEW WAVE LENDING GROUP INC | 44 | 7.125% | $1,070,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 42 | 6.375% | $805,000 | 6.7% |
| Mechanics Bank | 41 | 5.875% | $1,245,000 | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 41 | 6.625% | $765,000 | 6.8% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 39 | 6.625% | $1,305,000 | 6.5% |
| Prosperity Home Mortgage, LLC | 39 | 6.625% | $755,000 | 7.1% |
| RESICENTRAL, LLC | 38 | 6.625% | $755,000 | 4.4% |
| Synergy One Lending, Inc. | 38 | 6.625% | $870,000 | 2.6% |
| 549300U4NMMQ8OEM3D10 | 35 | Not published | $275,000 | 2.8% |
| NexBank | 33 | 6.125% | $985,000 | 5.4% |
| OCMBC, INC. | 32 | 6.875% | $945,000 | 17.8% |
| Citadel Servicing Corporation | 32 | 7.125% | $735,000 | 2.5% |
| Genesis Capital, LLC | 31 | 8.750% | $2,165,000 | 0.0% |
| MERIWEST | 28 | 6.125% | $805,000 | 12.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 25 | 6.490% | $655,000 | 7.8% |
| Taylor Morrison Home Funding, Inc. | 25 | 6.625% | $755,000 | 16.7% |
| KBHS HOME LOANS, LLC | 25 | 6.500% | $945,000 | 16.7% |
| ZILLOW HOME LOANS, LLC | 25 | 6.125% | $795,000 | 10.7% |
| NEWREZ LLC | 24 | 6.500% | $940,000 | 11.1% |
| TECHNOLOGY CREDIT UNION | 21 | 5.875% | $935,000 | 7.1% |
| Navy Federal Credit Union | 20 | 6.313% | $630,000 | 13.0% |
| FlexPoint, Inc. | 20 | 6.750% | $725,000 | 0.0% |
| Insignia Capital Corp. | 19 | 8.500% | $1,245,000 | 0.0% |
| Fremont Bank | 18 | 7.188% | $505,000 | 23.1% |
| Flagstar Bank, N.A. | 18 | 5.938% | $785,000 | 30.8% |
| CHAMPIONS FUNDING, LLC | 18 | 7.438% | $845,000 | 33.3% |
| 254900YZ174H294JW398 | 17 | 6.500% | $845,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 17 | 6.750% | $685,000 | 5.6% |
| A&D Mortgage LLC | 17 | 6.375% | $645,000 | 5.6% |
| AAA CAPITAL INVESTMENT, INC. | 17 | 6.875% | $655,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 17 | 5.625% | $745,000 | 0.0% |
| NEXERA HOLDING LLC | 16 | 7.188% | $1,465,000 | 20.0% |
| Axos Bank | 16 | 7.313% | $1,370,000 | 10.5% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.563% | $770,000 | 5.9% |
| Zions Bancorporation, N.A. | 15 | 6.375% | $1,035,000 | 18.8% |
| Tri Counties Bank | 15 | 6.000% | $1,325,000 | 11.1% |
| AMERITRUST MORTGAGE CORPORATION | 15 | 7.375% | $965,000 | 0.0% |
| ONY GLO, INC. | 15 | 5.875% | $865,000 | 6.3% |
| BETTER MORTGAGE CORPORATION | 14 | 6.875% | $1,180,000 | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.375% | $730,000 | 30.0% |
| ALLIANT CREDIT UNION | 14 | 7.750% | $300,000 | 11.1% |
| KEYPOINT Credit Union | 13 | 5.875% | $845,000 | 6.7% |
| First Bridge Funding, Inc. | 13 | 9.990% | $765,000 | 0.0% |
| Archwest Funding | 13 | 8.250% | $1,575,000 | 7.1% |
| TEACHERS FEDERAL CREDIT UNION | 12 | 5.875% | $1,325,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 12 | 6.558% | $965,000 | 0.0% |
| Royal Business Bank | 12 | 6.750% | $1,110,000 | 0.0% |
| Citizens Bank, National Association | 12 | 5.563% | $2,195,000 | 0.0% |
| Comerica Bank | 11 | 6.240% | $895,000 | 23.5% |
| LAND HOME FINANCIAL SERVICES, INC. | 11 | 6.875% | $585,000 | 7.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.500% | $915,000 | 15.4% |
| Barrington Bank & Trust Company, National Association | 11 | 6.625% | $805,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 11 | 6.625% | $685,000 | 0.0% |
| San Mateo Credit Union | 11 | 5.875% | $925,000 | 0.0% |
| JMAC LENDING, INC. | 11 | 6.875% | $1,505,000 | 0.0% |
| First Bank | 11 | 6.500% | $955,000 | 8.3% |
| TRAVIS CREDIT UNION | 11 | 5.856% | $1,345,000 | 0.0% |
| Cathay Bank | 10 | 6.313% | $950,000 | 21.4% |
| Mortgage Research Center, LLC | 10 | 5.870% | $875,000 | 9.1% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 10 | 5.625% | $1,240,000 | 9.1% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 7.000% | $1,200,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 10 | 7.188% | $1,020,000 | 7.1% |
| Ameris Bank | 10 | 6.563% | $470,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.125% | $490,000 | 0.0% |
| CITIZENS EQUITY FIRST | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SCHOOLSFIRST | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| BAY-VALLEY MORTGAGE GROUP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EXCITE Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EMET LENDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Golden Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LBS FINANCIAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | 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 183 lenders each made 2 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.