Mortgage Lenders in Santa Clara County, California

12 verified lenders ranked by county experience score and trust score.

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Min ratingNMLS verified onlyBBB A+ only

Showing 1–12 of 12 lenders

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C2 Financial Corporation

San Jose · California · Serves Santa Clara County, California

BrokerNMLS VerifiedBBB A+

4.9(1,850 reviews)

California independent broker network — deep Silicon Valley expertise for ultra-competitive San Jose and Cupertino transactions.

ConventionalFHAVAJumboJumbo & Cash-Heavy Deals

NMLS: 135622
Trust Score: 97/100
County Exp.: 98/100
Close est.*: ~22 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

JVM Lending (Cupertino)

Cupertino · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A+

4.9(890 reviews)

Bay Area jumbo specialist — expertise in Cupertino luxury, multiple-offer, and non-contingent contract scenarios.

JumboConventionalARMRefinancePremium Estates

NMLS: 310167
Trust Score: 96/100
County Exp.: 97/100
Close est.*: ~24 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

City National Bank Mortgage

Cupertino · California · Serves Santa Clara County, California

BankNMLS VerifiedBBB A+

4.8(280 reviews)

Private bank mortgage arm — jumbo and portfolio lending tailored for generational wealth and stock-comp buyers.

JumboConventionalARMRefinancePortfolio Loans

NMLS: 5369
Trust Score: 95/100
County Exp.: 96/100
Close est.*: ~30 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Bay Equity Home Loans (Silicon Valley)

Cupertino · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A+

4.9(540 reviews)

California-based lender — localized expertise in above-list, ultra-competitive Silicon Valley offer dynamics.

ConventionalFHAVAJumbo65–68% Above-List Dynamics

NMLS: 76901
Trust Score: 95/100
County Exp.: 96/100
Close est.*: ~23 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

New American Funding (San Jose)

San Jose · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A+

4.9(520 reviews)

NAF San Jose team — strong support for tech professionals in multiple-offer, above-list Silicon Valley transactions.

ConventionalFHAVAJumboTech Professionals

NMLS: 6606
Trust Score: 94/100
County Exp.: 95/100
Close est.*: ~26 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

PierPoint Mortgage (Bay Area)

San Jose · California · Serves Santa Clara County, California

BrokerNMLS VerifiedBBB A+

4.9(195 reviews)

Wholesale broker — speed-critical closings for Santa Clara's blistering 12–13 day on-market pace.

ConventionalFHAVAJumbo12–13 Day DOM Market

NMLS: 112844
Trust Score: 94/100
County Exp.: 95/100
Close est.*: ~21 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

First Tech Federal Credit Union

San Jose · California · Serves Santa Clara County, California

Credit UnionNMLS VerifiedBBB A+

4.9(720 reviews)

Tech-employee credit union — competitive member rates for qualified professionals in ultra-tight Santa Clara inventory.

ConventionalFHAVAJumboTech-Employee CU

NMLS: 732452
Trust Score: 94/100
County Exp.: 95/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Guild Mortgage (Silicon Valley)

San Jose · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A

4.8(640 reviews)

National Guild lender with Silicon Valley presence — sophisticated jumbo and high-value financing for Santa Clara County.

ConventionalFHAVAJumboHigh-Net-Worth Focus

NMLS: 3274
Trust Score: 93/100
County Exp.: 94/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Silverton Mortgage — San Jose

San Jose · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A

4.8(165 reviews)

Silverton San Jose retail lending — professional service for constrained-inventory, cash-competitive deals.

ConventionalFHAVAJumboTech Expertise

NMLS: 1561
Trust Score: 93/100
County Exp.: 94/100
Close est.*: ~27 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Veterans United Home Loans (Silicon Valley)

San Jose · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A

4.9(1,100 reviews)

VA and executive relocation programs — support for military-affiliated and high-earning tech migrants in Santa Clara.

VARefinanceVA Loans

NMLS: 1907
Trust Score: 93/100
County Exp.: 94/100
Close est.*: ~32 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

CrossCountry Mortgage (Silicon Valley)

Cupertino · California · Serves Santa Clara County, California

LenderNMLS VerifiedBBB A

4.8(410 reviews)

CrossCountry Cupertino teams — experienced lending for AI and semiconductor professionals with RSU-driven income.

ConventionalFHAVAJumboAI & Semiconductor Buyers

NMLS: 3029
Trust Score: 92/100
County Exp.: 93/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Bank of America Mortgage (Silicon Valley)

San Jose · California · Serves Santa Clara County, California

BankNMLS VerifiedBBB A

4.6(920 reviews)

Full-service bank mortgages for corporate relocation packages and high-value San Jose/Cupertino purchases.

ConventionalFHAVAJumboHigh-Value Financing

NMLS: 399802
Trust Score: 89/100
County Exp.: 91/100
Close est.*: ~34 days

*Editorial estimate — not an NMLS/CFPB field. Methodology