Top 3 Mortgage Lenders in Aptos

Santa Cruz County Bank is the premier local community bank serving Aptos and the greater Santa Cruz County area with deep roots in the community. As a locally headquartered institution, they offer personalized mortgage services with decision-making kept local, providing competitive rates and flexible terms specifically tailored to the Central Coast housing market. Their mortgage team has extensive experience with the unique coastal property requirements and local market conditions, making them exceptionally well-equipped to handle Aptos real estate transactions.

Bay Federal Credit Union is one of the largest and most respected credit unions serving the Central Coast, with a strong presence in Aptos and Santa Cruz County. They are particularly noted for their competitive rates, low fees, and exceptional member service. Their mortgage specialists provide comprehensive guidance through the entire home loan process, with special programs for first-time homebuyers and competitive jumbo loan options that are well-suited for the Aptos housing market.

CrossCountry Mortgage's Santa Cruz branch provides exceptional mortgage services to Aptos residents with a reputation for outstanding customer satisfaction and competitive loan products. As a direct lender with local decision-making authority, they offer faster closings and more personalized service than many larger institutions. Their team has extensive experience with coastal properties and the unique lending requirements of the Monterey Bay area, making them a top choice for both purchase and refinance transactions in Aptos.