California · HMDA 2025
Mortgage lenders in Santa Cruz County, CA
313 lenders reported 6,271 home-loan applications in Santa Cruz County in 2025. 3,314 closed as loans ($2.6B), 872 were denied — a 19.8% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 23% of applications, led by BAY. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,271
- Loans originated
- 3,314
- Purchase / refinance
- 1,343 / 1,423
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Santa Cruz County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BAY | 601 | 9.6% | — |
| 2 | Rocket Mortgage, LLC | 420 | 6.7% | — |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 412 | 6.6% | — |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 278 | 4.4% | 14.1% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 245 | 3.9% | — |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 210 | 3.3% | 44.7% |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 182 | 2.9% | 39.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 157 | 2.5% | — |
| 9 | Comerica Bank | 143 | 2.3% | — |
| 10 | MASON MCDUFFIE MORTGAGE CORPORATION | 109 | 1.7% | — |
| 11 | NEWREZ LLC | 106 | 1.7% | — |
| 12 | SPRING EQ, LLC | 105 | 1.7% | — |
| 13 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 99 | 1.6% | 22.2% |
| 14 | GUARANTEED RATE, INC. | 90 | 1.4% | — |
| 15 | FIGURE LENDING LLC | 88 | 1.4% | — |
| 16 | STAR ONE Credit Union 77 out of 100, Strong | 87 | 1.4% | 24.0% |
| 17 | BMO Bank National Association 83 out of 100, Strong | 80 | 1.3% | 40.5% |
| 18 | NATIONSTAR MORTGAGE LLC | 75 | 1.2% | — |
| 19 | GUILD MORTGAGE COMPANY | 64 | 1.0% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 64 | 1.0% | 3.0% |
| 21 | Loandepot.Com, LLC | 61 | 1.0% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 61 | 1.0% | — |
| 23 | Broker Solutions, Inc. | 58 | 0.9% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 55 | 0.9% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 54 | 0.9% | — |
| 26 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 52 | 0.8% | 35.5% |
| 27 | Citibank, National Association 60 out of 100, Moderate | 52 | 0.8% | 24.0% |
| 28 | PREMIER MORTGAGE RESOURCES, L.L.C. | 47 | 0.7% | — |
| 29 | Paramount Residential Mortgage Group, Inc. | 46 | 0.7% | — |
| 30 | BETTER MORTGAGE CORPORATION | 45 | 0.7% | — |
| 31 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 44 | 0.7% | — |
| 32 | THE GOLDEN 1 | 44 | 0.7% | — |
| 33 | FINANCE OF AMERICA REVERSE LLC | 43 | 0.7% | — |
| 34 | 21st Mortgage Corporation | 42 | 0.7% | — |
| 35 | GUARANTEED RATE AFFINITY, LLC | 42 | 0.7% | — |
| 36 | ML Mortgage Corp. | 41 | 0.7% | — |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 40 | 0.6% | 32.9% |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 40 | 0.6% | — |
| 39 | Fremont Bank 60 out of 100, Moderate | 40 | 0.6% | 33.6% |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 39 | 0.6% | — |
Top 40 of 313 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps