Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Mateo County, California
Every institution that decided a 1–4 unit mortgage application in San Mateo County between 2023 and 2025: 26,979 applications, 21,486 loans actually funded, across 8 kinds of borrowing.
San Mateo County at a glance
26,979Applications decided
2023–2025
21,486Loans funded
80% of decisions
173Census tracts
26 ZIP codes
745,100People
ACS 2023
What the data shows
Lenders approved 92.3% of home-purchase applications in San Mateo County, 3.8 points above the California rate.
The typical purchase mortgage here is $1.12M.
Investment home improvement is the hardest money to get here: lenders approved 52% of 254 applications.
Lending by loan type in San Mateo County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.3% | 11,945 | $1.12M | 97% | 334 |
| Home improvement loans | 63.7% | 3,682 | $255K | 91% | 130 |
| Cash-out refinance | 73.5% | 3,497 | $345K | 95% | 229 |
| Refinance | 82.8% | 5,182 | $805K | 97% | 256 |
| Investment property purchase | 91.0% | 1,258 | $1M | 98% | 160 |
| Investment cash-out refinance | 76.6% | 632 | $555K | 92% | 141 |
| Investment refinance | 83.4% | 529 | $765K | 96% | 125 |
| Investment home improvement | 51.6% | 254 | $255K | 89% | 58 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.