Mortgage lending in San Mateo County, California
Lenders in San Mateo County, California reported 15,759 mortgage applications for 2025, according to the CFPB.
15,759 mortgage applications and 9,720 loans originated in 2025; the denial rate was 17.5% of 12,402 applications decided. The median loan was about $855,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: San Francisco, CA HUD Metro FMR Area.
- 15,759
- Applications
- 9,720
- Loans originated
- 17.5%
- Denial rate
- 2,173 denied of 12,402 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 15,759 | 9,720 |
| 2024 | 12,419 | 7,577 |
| 2023 | 10,873 | 6,469 |
| 2022 | 22,100 | 14,052 |
| 2021 | 60,079 | 41,329 |
| 2020 | 58,504 | 38,869 |
| 2019 | 33,630 | 21,880 |
| 2018 | 26,505 | 16,325 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bank of America NA | 806 | 1,347 |
| Wells Fargo Bank NA | 748 | 1,033 |
| JPMorgan Chase Bank, NA | 583 | 852 |
| Rocket Mortgage | 574 | 750 |
| United Wholesale Mortgage | 515 | 740 |
| US Bank, N.A. | 491 | 793 |
| Citibank, NA | 317 | 580 |
| Monterra Credit Union | 211 | 351 |
| Stanford Federal Credit Union | 208 | 246 |
| PNC Bank N.A. | 188 | 281 |
| BMO Harris Bank NA | 176 | 360 |
| HSBC Bank USA, NA | 163 | 209 |
| General Mortgage Capital Corporation | 156 | 199 |
| Guaranteed Rate, Inc. | 147 | 258 |
| Patelco Credit Union | 120 | 235 |
| Morgan Stanley Private Bank NA | 119 | 163 |
| Pennymac Loan Services LLC | 119 | 171 |
| Conventus Lending LLC | 118 | 128 |
| Charles Schwab Bank, SSB | 112 | 114 |
| AmWest Funding Corp | 112 | 163 |
| New American Funding, LLC. | 108 | 189 |
| Crosscountry Mortgage, LLC | 103 | 152 |
| East West Bank | 102 | 158 |
| The Golden 1 Credit Union | 97 | 152 |
| Provident Credit Union | 96 | 111 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 5,782 | 14.2% of 4,572 decided |
| Black or African American | 170 | 37.0% of 127 decided |
| Native Hawaiian or Other Pacific Islander | 76 | 40.4% of 57 decided |
| White | 5,043 | 19.8% of 4,041 decided |
| 2 or more minority races | 55 | no rate: base under 50 |
| Joint | 707 | 12.5% of 577 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,877 | 18.6% of 2,955 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,031 | 29.9% of 818 decided |
| Not Hispanic or Latino | 10,771 | 16.0% of 8,575 decided |
| Joint | 418 | 17.7% of 345 decided |
| Ethnicity Not Available | 3,524 | 18.4% of 2,656 decided |
| Free Form Text Only | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,873 | 23.0% of 3,007 decided |
| Female | 2,841 | 23.2% of 2,225 decided |
| Joint | 7,225 | 12.9% of 5,848 decided |
| Sex Not Available | 1,820 | 15.9% of 1,322 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
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