Top 3 Mortgage Lenders in Capitola

Santa Cruz County Bank is the premier local community bank serving Capitola and the entire Santa Cruz County area. With deep roots in the community since 2004, they offer personalized mortgage services with local decision-making. Their mortgage team understands the unique Santa Cruz County real estate market, including Capitola's coastal properties and varying property types. They consistently receive exceptional ratings for their customer service, competitive rates, and deep knowledge of local market conditions. As a locally headquartered institution, they're deeply invested in the community they serve.

Bay Federal Credit Union has a strong physical presence in Capitola with their main headquarters located in the city. They serve the entire Central Coast region with exceptional mortgage services and member-focused lending. As a credit union, they offer competitive rates and fees to their members, with particular strength in first-time homebuyer programs and local market expertise. Their mortgage team receives consistently high marks for personalized service, transparent communication, and guiding members through the entire home financing process. Their deep community involvement and local decision-making make them a top choice for Capitola residents.

CrossCountry Mortgage's Santa Cruz branch serves the Capitola area with exceptional mortgage services and highly personalized attention. While part of a national company, their local Santa Cruz office operates with deep community knowledge and understanding of the Central Coast housing market. They receive outstanding customer reviews for their responsive service, competitive rates, and expertise in handling various property types common in the Capitola area, including coastal properties and unique housing situations. Their loan officers are praised for their accessibility and ability to navigate complex financing scenarios while maintaining clear communication throughout the process.