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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, home to San Jose, 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%One lender: 45% approved of 355One lender: 50% approved of 102One lender: 58% approved of 358One lender: 76% approved of 134One lender: 78% approved of 1,071One lender: 78% approved of 68One lender: 81% approved of 235One lender: 82% approved of 79One lender: 84% approved of 81One lender: 84% approved of 101One lender: 85% approved of 72One lender: 85% approved of 61One lender: 87% approved of 97One lender: 87% approved of 117Rocket Mortgage, LLC: 88% approved of 1,982One lender: 88% approved of 66One lender: 89% approved of 1,442One lender: 89% approved of 664One lender: 90% approved of 1,303One lender: 91% approved of 109One lender: 91% approved of 614U.S. Bank National Association: 91% approved of 1,889One lender: 91% approved of 1,396One lender: 91% approved of 240Bank of America, National Association: 92% approved of 3,028One lender: 92% approved of 223One lender: 93% approved of 81One lender: 93% approved of 163One lender: 93% approved of 289One lender: 93% approved of 124One lender: 93% approved of 1,010One lender: 93% approved of 147One lender: 93% approved of 209One lender: 94% approved of 98One lender: 94% approved of 198Wells Fargo Bank, National Association: 94% approved of 4,414One lender: 94% approved of 293One lender: 94% approved of 122One lender: 95% approved of 121One lender: 96% approved of 1,534One lender: 96% approved of 284One lender: 96% approved of 226One lender: 96% approved of 192One lender: 97% approved of 172One lender: 97% approved of 302One lender: 97% approved of 383One lender: 98% approved of 248One lender: 98% approved of 63One lender: 98% approved of 129One lender: 99% approved of 73Hsbc Bank USA, N.A.tional Association: 99% approved of 1,660One lender: 99% approved of 171One lender: 99% approved of 188One lender: 100% approved of 215One lender: 100% approved of 295One lender: 100% approved of 225One lender: 100% approved of 177One lender: 100% approved of 173One lender: 100% approved of 165One lender: 100% approved of 94

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 423 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home purchase mortgage lenders in Santa Clara County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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