Menlo Park Funding NMLS #6521
At a glance
- HeadquartersIselin, NJ
- Size17,312 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in45 states
- Formed in1991
2025 figures are for HOMEBRIDGE FINANCIAL SERVICES, INC.'s filing.
What it closes
Share of its 2025 home loans: 86% Conventional, 8% FHA, 6% VA and 0% Other types.
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Who is Menlo Park Funding?
Menlo Park Funding (NMLS #6521) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Menlo Park Funding legit?
Here's what public licensing records show. Menlo Park Funding holds mortgage licenses in 45 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #6521, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerMenlo Park Funding
- NMLS #6521
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Menlo Park Funding
Overview
Menlo Park Funding is a residential mortgage lending name used by HomeBridge Financial Services, Inc. The company’s recent lending activity includes conventional and government-backed mortgages.
Mortgage options
In 2025, the company made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement. The company also offers HELOCs, which are home equity lines of credit.
Locations
HomeBridge Financial Services, Inc. has 231 branch locations.
Company details and licensing
HomeBridge Financial Services, Inc. is a corporation formed in New Jersey, United States, on August 14, 1991. Its headquarters are at 99 Wood Avenue South, Suite 301, Iselin, New Jersey 08830. Its NMLS company ID is 6521. Other trade names include HomeBridge, CapWest Home Loans and FinanceMyHome.com.
It is licensed in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
Verify NMLS #6521 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asHOMEBRIDGE FINANCIAL SERVICES, INC.
- Menlo Park Funding is a registered trade name of HomeBridge Financial Services, Inc. (NMLS #6521), which filed these figures.
- 2025 home loan decisionsOf 21,791 applications decided by HOMEBRIDGE FINANCIAL SERVICES, INC. in 2025, 17,312 were originated, 439 were approved but not accepted by the borrower, and 4,040 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 81.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 3,211 applications were withdrawn by the borrower, 3 were closed for incompleteness, and 5,023 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.112 percentage points above the average prime offer rate (reported on 4,145 originations, 13,167 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$9,390.82 — originated closed-end household loans, 2025, 4,145 loans. FFIEC HMDA data browser.
- Median origination charges$3,223.51 — originated closed-end household loans, 2025, 4,145 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types14,889 Conventional, 1,343 FHA, 1,056 VA, 24 USDA — of 17,312 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for HOMEBRIDGE FINANCIAL SERVICES, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Menlo Park Funding legit?
Here's what public licensing records show. Menlo Park Funding holds mortgage licenses in 45 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #6521, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Menlo Park Funding's NMLS number?
Menlo Park Funding's NMLS number is 6521. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Menlo Park Funding's NMLS ID?
Yes. We checked Menlo Park Funding's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since February 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Menlo Park Funding?
This page has Menlo Park Funding's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.