Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Santa Clara County, California
Every institution that decided a 1–4 unit mortgage application in Santa Clara County, home to San Jose, between 2023 and 2025: 73,445 applications, 57,678 loans actually funded, across 8 kinds of borrowing.
Santa Clara County at a glance
73,445Applications decided
2023–2025
57,678Loans funded
79% of decisions
408Census tracts
56 ZIP codes
1,903,297People
ACS 2023
What the data shows
The typical purchase mortgage here is $1.19M.
Investment home improvement is the hardest money to get here: lenders approved 48% of 642 applications.
Lending by loan type in Santa Clara County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.8% | 33,687 | $1.19M | 95% | 428 |
| Home improvement loans | 64.8% | 9,756 | $225K | 90% | 160 |
| Cash-out refinance | 70.8% | 7,894 | $335K | 94% | 308 |
| Refinance | 83.9% | 15,266 | $1.12M | 96% | 364 |
| Investment property purchase | 90.5% | 3,158 | $925K | 97% | 236 |
| Investment cash-out refinance | 76.0% | 1,499 | $525K | 94% | 184 |
| Investment refinance | 82.5% | 1,543 | $675K | 95% | 190 |
| Investment home improvement | 48.0% | 642 | $255K | 90% | 77 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.