Refinance lenders in Santa Clara County, California
Fat Boy Data analyzed mortgage refinance 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. 15,266 applications were decided by 364 lenders between 2023 and 2025.
Santa Clara County at a glance
How Santa Clara County compares
What the data shows
Bank of America, National Association made the most mortgage refinances in Santa Clara County, CA, 1,578 of them.
Nmsi, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 58.
Lenders approved 83.9% of mortgage refinance applications in Santa Clara County, CA, 7.2 percentage points above the California rate of 76.7%.
The typical mortgage refinance here is $1.12M, 72% larger than the California typical of $655K.
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.
Refinance lenders in Santa Clara County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 83% | 1,598 / 1,918 | 99% | $1.12M | 1,578 |
| 2 | U.S. Bank National Association | 90% | 1,270 / 1,406 | 98% | $1.22M | 1,244 |
| 3 | Citibank, National Association | 95% | 1,088 / 1,151 | 99% | $1.32M | 1,082 |
| 4 | Wells Fargo Bank, National Association | 91% | 937 / 1,030 | 100% | $1.43M | 933 |
| 5 | Rocket Mortgage, LLC | 74% | 630 / 848 | 97% | $715K | 614 |
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 359 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance 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
We email you the unlock link plus occasional updates on this market. We may also share your interest with mortgage providers so they can contact you.See how we use your data. Unsubscribe any time.