Mortgage lending in San Benito County, California
Lenders in San Benito County, California reported 1,935 mortgage applications for 2025, according to the CFPB.
1,935 mortgage applications and 1,104 loans originated in 2025; the denial rate was 22.0% of 1,494 applications decided. The median loan was about $505,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: San Benito County, CA HUD Metro FMR Area.
- 1,935
- Applications
- 1,104
- Loans originated
- 22.0%
- Denial rate
- 329 denied of 1,494 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,935 | 1,104 |
| 2024 | 1,996 | 1,139 |
| 2023 | 1,662 | 931 |
| 2022 | 2,903 | 1,560 |
| 2021 | 6,866 | 4,534 |
| 2020 | 6,810 | 4,452 |
| 2019 | 4,294 | 2,597 |
| 2018 | 3,217 | 1,878 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 103 | 135 |
| United Wholesale Mortgage | 96 | 139 |
| Guild Mortgage Company | 65 | 76 |
| Premier Mortgage Resources, LLC | 65 | 94 |
| KBHS Home Loans, LLC | 49 | 77 |
| US Bank, N.A. | 33 | 72 |
| loanDepot.com LLC | 32 | 57 |
| Crosscountry Mortgage, LLC | 22 | 30 |
| Bank of America NA | 21 | 54 |
| Paramount Residential Mortgage | 18 | 27 |
| Guaranteed Rate, Inc. | 18 | 36 |
| Pennymac Loan Services LLC | 18 | 38 |
| Spring Eq, LLC | 17 | 55 |
| Newrez LLC | 15 | 36 |
| American Pacific Mortgage Corporation | 15 | 24 |
| JPMorgan Chase Bank, NA | 15 | 26 |
| Shea Mortgage Inc. | 14 | 21 |
| New American Funding, LLC. | 14 | 29 |
| Nationstar Mortgage | 13 | 15 |
| Guaranteed Rate Affinity, LLC | 12 | 15 |
| Mason-McDuffie Mortgage Corporation | 12 | 20 |
| Figure Lending LLC | 11 | 20 |
| Freedom Mortgage Corporation | 11 | 31 |
| Kind Lending, LLC | 11 | 15 |
| Tri Pointe Connect, LLC | 10 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 119 | 25.3% of 95 decided |
| Black or African American | 24 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,091 | 18.7% of 836 decided |
| 2 or more minority races | under 10 | |
| Joint | 62 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 609 | 26.0% of 473 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 751 | 21.5% of 591 decided |
| Not Hispanic or Latino | 655 | 21.6% of 491 decided |
| Joint | withheld | |
| Ethnicity Not Available | 407 | 24.5% of 314 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 605 | 23.2% of 452 decided |
| Female | 348 | 25.8% of 271 decided |
| Joint | 821 | 17.2% of 645 decided |
| Sex Not Available | 161 | 34.1% of 126 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 27 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved