Mortgage lending in Santa Clara County, California
Lenders in Santa Clara County, California reported 42,430 mortgage applications for 2025, according to the CFPB.
42,430 mortgage applications and 25,677 loans originated in 2025; the denial rate was 17.9% of 33,123 applications decided. The median loan was about $895,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area.
- 42,430
- Applications
- 25,677
- Loans originated
- 17.9%
- Denial rate
- 5,933 denied of 33,123 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 42,430 | 25,677 |
| 2024 | 35,668 | 21,200 |
| 2023 | 27,898 | 16,170 |
| 2022 | 55,589 | 34,046 |
| 2021 | 154,878 | 107,857 |
| 2020 | 152,771 | 101,956 |
| 2019 | 86,991 | 55,609 |
| 2018 | 70,010 | 41,708 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Wells Fargo Bank NA | 2,679 | 3,838 |
| Bank of America NA | 2,383 | 3,718 |
| Rocket Mortgage | 1,514 | 2,098 |
| US Bank, N.A. | 1,347 | 2,089 |
| Citibank, NA | 1,316 | 2,351 |
| JPMorgan Chase Bank, NA | 1,069 | 1,685 |
| United Wholesale Mortgage | 1,045 | 1,457 |
| HSBC Bank USA, NA | 786 | 988 |
| Star One Credit Union | 689 | 1,084 |
| BMO Harris Bank NA | 503 | 1,082 |
| PNC Bank N.A. | 410 | 608 |
| The Golden 1 Credit Union | 365 | 609 |
| Technology Credit Union | 327 | 512 |
| Googain, Inc. | 308 | 369 |
| Meriwest Credit Union | 285 | 428 |
| Pennymac Loan Services LLC | 269 | 447 |
| Fremont Bank | 268 | 449 |
| Stanford Federal Credit Union | 268 | 326 |
| AmWest Funding Corp | 252 | 391 |
| loanDepot.com LLC | 250 | 448 |
| Conventus Lending LLC | 244 | 277 |
| Crosscountry Mortgage, LLC | 233 | 344 |
| Charles Schwab Bank, SSB | 231 | 243 |
| General Mortgage Capital Corporation | 208 | 275 |
| Guaranteed Rate, Inc. | 206 | 441 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 146 | 34.0% of 100 decided |
| Asian | 21,785 | 14.9% of 16,896 decided |
| Black or African American | 379 | 27.1% of 303 decided |
| Native Hawaiian or Other Pacific Islander | 86 | 15.5% of 71 decided |
| White | 9,408 | 21.7% of 7,614 decided |
| 2 or more minority races | 110 | 25.8% of 89 decided |
| Joint | 1,115 | 13.4% of 904 decided |
| Free Form Text Only | 14 | no rate: base under 50 |
| Race Not Available | 9,387 | 20.9% of 7,137 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,049 | 29.5% of 2,402 decided |
| Not Hispanic or Latino | 29,969 | 16.0% of 23,581 decided |
| Joint | 854 | 17.0% of 694 decided |
| Ethnicity Not Available | 8,535 | 20.6% of 6,428 decided |
| Free Form Text Only | 23 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 13,200 | 21.4% of 10,256 decided |
| Female | 6,129 | 23.3% of 4,870 decided |
| Joint | 18,513 | 13.1% of 14,664 decided |
| Sex Not Available | 4,588 | 20.6% of 3,333 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