Mortgage lending in Santa Cruz County, California
Lenders in Santa Cruz County, California reported 5,633 mortgage applications for 2025, according to the CFPB.
5,633 mortgage applications and 3,314 loans originated in 2025; the denial rate was 19.8% of 4,400 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: Santa Cruz-Watsonville, CA MSA.
- 5,633
- Applications
- 3,314
- Loans originated
- 19.8%
- Denial rate
- 872 denied of 4,400 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,633 | 3,314 |
| 2024 | 4,686 | 2,704 |
| 2023 | 4,182 | 2,408 |
| 2022 | 7,938 | 4,724 |
| 2021 | 19,842 | 13,257 |
| 2020 | 20,284 | 13,434 |
| 2019 | 11,385 | 7,146 |
| 2018 | 9,311 | 5,459 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bay Federal Credit Union | 391 | 601 |
| Crosscountry Mortgage, LLC | 315 | 412 |
| Rocket Mortgage | 310 | 412 |
| United Wholesale Mortgage | 181 | 245 |
| US Bank, N.A. | 101 | 181 |
| Bank of America NA | 86 | 200 |
| JPMorgan Chase Bank, NA | 85 | 116 |
| Mason-McDuffie Mortgage Corporation | 79 | 109 |
| Comerica Bank | 68 | 140 |
| Wells Fargo Bank NA | 63 | 90 |
| Star One Credit Union | 57 | 87 |
| Pennymac Loan Services LLC | 57 | 95 |
| Guild Mortgage Company | 52 | 64 |
| Guaranteed Rate, Inc. | 40 | 73 |
| Premier Mortgage Resources, LLC | 38 | 47 |
| Paramount Residential Mortgage | 35 | 42 |
| Spring Eq, LLC | 34 | 102 |
| BMO Harris Bank NA | 32 | 79 |
| Third Federal Savings and Loan | 31 | 52 |
| loanDepot.com LLC | 31 | 61 |
| Nationstar Mortgage | 31 | 50 |
| Guaranteed Rate Affinity, LLC | 29 | 42 |
| ML Mortgage Corp. | 28 | 41 |
| Morgan Stanley Private Bank NA | 28 | 35 |
| The Golden 1 Credit Union | 27 | 44 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 52 | no rate: base under 50 |
| Asian | 232 | 24.7% of 190 decided |
| Black or African American | 42 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,704 | 18.7% of 2,929 decided |
| 2 or more minority races | under 10 | |
| Joint | 217 | 16.4% of 171 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,367 | 21.8% of 1,030 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 662 | 27.5% of 520 decided |
| Not Hispanic or Latino | 3,463 | 17.9% of 2,737 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,250 | 21.8% of 928 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,557 | 24.3% of 1,211 decided |
| Female | 1,148 | 23.1% of 871 decided |
| Joint | 2,336 | 14.3% of 1,897 decided |
| Sex Not Available | 592 | 24.9% of 421 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. 29 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