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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Santa Clara County, California

Fat Boy Data analyzed home purchase mortgage activity in Santa Clara County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 33,687 applications were decided by 428 lenders between 2023 and 2025.

Santa Clara County at a glance

428Active lenders123 with 20+ decisions
90.8%Market approval rate30,588 of 33,687 decided
$1.19MTypical loanmedian lender, $10K brackets
95%Borrower take-up29,100 loans funded

How Santa Clara County compares

Approval rate compared
Santa Clara County90.8%California88.4%All 616 counties87.6%
Typical loan compared
Santa Clara County$1.19MCalifornia$555KAll 616 counties$335K

What the data shows

Wells Fargo Bank, National Association made the most home purchase mortgages in Santa Clara County, CA, 4,131 of them.

STANFORD Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 225.

The typical home purchase mortgage here is $1.19M, 114% larger than the California typical of $555K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 45% approved of 355Flagstar Bank, National Association: 50% approved of 102Credit Human Federal Credit Union: 58% approved of 358Kind Lending, LLC: 76% approved of 134Triad Financial Services, Inc.: 78% approved of 1,071Fremont Bank: 78% approved of 68Pennymac Loan Services, LLC: 81% approved of 235Taylor Morrison Home Funding, Inc.: 82% approved of 79Ocmbc, Inc.: 84% approved of 81Zions Bancorporation, N.A.: 84% approved of 101Provident Funding Associates, L.P.: 85% approved of 72Technology Credit Union: 85% approved of 61Alliant Credit Union: 87% approved of 97East West Bank: 87% approved of 117Rocket Mortgage, LLC: 88% approved of 1,982Tri Counties Bank: 88% approved of 66United Wholesale Mortgage, LLC: 89% approved of 1,442STAR ONE Credit Union: 89% approved of 664BMO Bank National Association: 90% approved of 1,303Kbhs Home Loans, LLC: 91% approved of 109The Golden 1: 91% approved of 614U.S. Bank National Association: 91% approved of 1,889JPMorgan Chase Bank, National Association: 91% approved of 1,396Loandepot.Com, LLC: 91% approved of 240Bank of America, National Association: 92% approved of 3,028Amwest Funding Corp.: 92% approved of 223City National Bank: 93% approved of 81Prosperity Home Mortgage, LLC: 93% approved of 163Patelco Credit Union: 93% approved of 289Toll Brothers Mortgage Company: 93% approved of 124PNC Bank, National Association: 93% approved of 1,010First Technology Federal Credit Union: 93% approved of 147Change Lending, LLC: 93% approved of 209Resicentral, LLC: 94% approved of 98Charles Schwab Bank, SSB: 94% approved of 198Wells Fargo Bank, National Association: 94% approved of 4,414Pulte Mortgage LLC: 94% approved of 293Paramount Residential Mortgage Group, Inc.: 94% approved of 122The Loan Store, Inc.: 95% approved of 121Citibank, National Association: 96% approved of 1,534Guaranteed Rate, Inc.: 96% approved of 284First-Citizens Bank & Trust Company: 96% approved of 226Guild Mortgage Company LLC: 96% approved of 192American Pacific Mortgage Corporation: 97% approved of 172Morgan Stanley Private Bank, National Association: 97% approved of 302Crosscountry Mortgage, LLC: 97% approved of 383Guaranteed Rate Affinity, LLC: 98% approved of 248Citadel Servicing Corporation: 98% approved of 63Cmg Mortgage, Inc.: 98% approved of 129Synergy One Lending, Inc.: 99% approved of 73Hsbc Bank USA, N.A.tional Association: 99% approved of 1,660Originpoint LLC: 99% approved of 171New American Funding, LLC: 99% approved of 188General Mortgage Capital Corporation: 100% approved of 215Googain, Inc.: 100% approved of 295STANFORD Federal Credit Union: 100% approved of 225Nmsi, Inc.: 100% approved of 177Provident Credit Union: 100% approved of 173First Republic Bank: 100% approved of 165New Wave Lending Group Inc: 100% approved of 94

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Santa Clara County

LenderApprovalApprovedTaken upTypical loanLoans made
1Wells Fargo Bank, National Association94%4,151 / 4,414100%$1.41M4,131
2Bank of America, National Association92%2,788 / 3,02895%$1.30M2,660
3Rocket Mortgage, LLC88%1,735 / 1,98299%$765K1,715
4U.S. Bank National Association91%1,720 / 1,88999%$1.19M1,695
5Hsbc Bank USA, N.A.tional Association99%1,649 / 1,660100%$1.32M1,641

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 423 more lenders.

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Other lending data for Santa Clara County

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