Wells Fargo Home Mortgage Consultant - David L Baker

Branch Manager, Private Mortgage Banking

Apply Now Get a Call Back

Office Phone

(650) 559-2018(650) 559-2018

Mobile Phone

(510) 220-5643(510) 220-5643

Request an Email

NMLSR ID

448768

Meet David L Baker

Meet David L. Baker

With 29 years of experience in the mortgage and financial industry, I've built a trusted reputation in residential lending throughout the Silicon Valley Bay Area. Over the past 21 years with Wells Fargo Home Mortgage, I've managed an established, high-performing office that includes producing sales managers, private mortgage bankers, sales assistants, and customer service representatives. In addition to leading the team, I remain deeply committed to working directly with families to achieve their homeownership goals. My customer-centric approach has allowed me to build an extensive network of long-term clients, real estate partners, and industry professionals. Helping make homeownership attainable—and ensuring an exceptional customer experience—remains at the center of everything I do.

Career Highlights

•Producing Branch Manager at Wells Fargo Home Mortgage since 2004
•17-year Wells Fargo President's Club member
•Team production from 2013–2025: $24.04 billion funded and 24,815 families served
•Ranked #1 Branch Sales Manager nationally in 2025 for overall scorecard performance, total volume funded, total customers served, and productivity
•Personal production (2010–2025): $2.304 billion in funded volume
•Personally served 3,453 families from 2010–2025

My Locations

Wells Fargo Home Mortgage

467 1st St Ste 100

Los Altos, CA, 94022

Relationship benefits

You may qualify for a closing cost credit or interest rate discount based on eligible new and existing assets with Wells Fargo.¹

Learn more

Buying a Home?

Because home is where memories are made, a $10,000 home down payment grant could help make homeownership possible.²

Learn more

Mortgage calculators and tools

Check Rates

See rate and APR information for popular loan types.

Purchase Prequalification

See how much home you may be able to afford.

Refinance Rate Quote

See if refinancing could be the right move.

Frequently Asked Questions

When you work with Wells Fargo, you’ll have the knowledge and experience of a home mortgage consultant and technology developed with a focus on you.

Our digital tools help simplify the home loan process, whether you’re using a computer or a mobile device. We even offer a secure way to pull income and other financial information into your application from other banks or lenders.

Our system lets you move forward when and where it’s convenient for you. You’ll know where you stand and what you need to do next. Securely upload documents, pay any upfront fees, check your application status, monitor progress, and sign select documents electronically – all part of the way we use online processes to make things convenient for our customers. To determine which features of the online application are available with your home loan, talk to a home mortgage consultant.

And our support doesn’t end when you get the keys. We’ll be here for you after you close, with the tools and resources you need to manage your mortgage and move into your tomorrow.
Mortgage costs for a purchase home loan typically include your down payment, closing costs, and prepaid escrow amounts for property taxes and insurance. Throughout the process, we keep you informed and explain your specific costs to help ensure there are no last-minute surprises.

When submitting a mortgage application for a specific property, you’ll receive a loan estimate within three days to give you a better idea of how much you need to pay in closing costs.

If you’re wondering about upfront fees, these could include appraisal and extended rate lock fees although they’re not required with all loan programs. Let’s talk about what would be needed in your case.

In general, closing costs are 2 to 5% of your home purchase price, paid by you, the home seller, or the lender. You may be able to use monetary gifts from family for all or part of your closing costs.

I can answer any questions you may have about your specific situation.
The length of time it takes to process and close a loan varies, depending upon a number of factors. Appraisals, information requests, title searches, builder schedules, home inspections, and repairs can all affect the time it takes to close your loan.

You can keep things moving along by responding promptly to any requests for information and completing tasks on time.

Let’s talk about your specific situation to give you a better idea of time frames.
When you work with Wells Fargo Private Mortgage Banking and Wells Fargo Private Bank, you’ll enjoy the power of teamwork with a focus on you. Our strong partnership with The Private Bank means you’ll receive personalized attention to help align your homeownership and wealth management financial goals today and into the future.

As a private mortgage banker, I’m here to discuss more complex home financing situations and asset management strategies. With local market experience, we offer competitive financing options for primary, second, vacation, and investment properties.

Our underwriting and support teams focus on providing the superior customer service you expect before, during, and after any transaction you close with us.

Ask me about home financing options that can help you manage your wealth, grow your assets, and achieve your financial goals.

Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

Meet my Associates

You'll have a dedicated team ready to guide you every step of the way – from application through closing.

Kenneth Dame - 720771 - Wells Fargo Home Mortgage

Mortgage AssociateNMLSR: 720771

(408) 904-8211(408) 904-8211

Lowery Paul Wilson - 861808 - Wells Fargo Home Mortgage

Private Mortgage BankerNMLSR: 861808

(408) 857-7410(408) 857-7410

Visit my site

Jason Gironella - 1024623 - Wells Fargo Home Mortgage

Mortgage AssociateNMLSR: 1024623

(650) 675-3128(650) 675-3128

Why Choose Wells Fargo?

A personalized experience that puts you first

You’ll have the knowledge and experience of a home mortgage consultant and a dedicated team supporting you every step of the way to make your home loan process as seamless as possible.

Help where you need it

Access the tools and guidance you need to take your next step, whether it’s checking rates, calculating what you can afford, or getting preapproved to help you shop with confidence.

A simple online process

Our online mortgage application process lets you connect with your existing financial accounts, manage tasks, and easily upload select documents. To determine which features of the online application are available with your home loan, talk to a home mortgage consultant.

Ongoing support

It doesn’t end when you get the keys – we’re here for you as you grow into your new home and navigate the future.