Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Santa Cruz County, California
Every institution that decided a 1–4 unit mortgage application in Santa Cruz County between 2023 and 2025: 9,976 applications, 7,600 loans actually funded, across 8 kinds of borrowing.
Santa Cruz County at a glance
9,976Applications decided
2023–2025
7,600Loans funded
76% of decisions
69Census tracts
14 ZIP codes
266,021People
ACS 2023
What the data shows
The typical purchase mortgage here is $725K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 117 applications.
Lending by loan type in Santa Cruz County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.1% | 3,691 | $725K | 95% | 249 |
| Home improvement loans | 63.4% | 1,548 | $125K | 91% | 98 |
| Cash-out refinance | 73.1% | 1,985 | $145K | 96% | 169 |
| Refinance | 80.5% | 1,515 | $665K | 95% | 183 |
| Investment property purchase | 91.4% | 595 | $725K | 97% | 144 |
| Investment cash-out refinance | 69.6% | 319 | $365K | 90% | 107 |
| Investment refinance | 83.5% | 206 | $635K | 95% | 79 |
| Investment home improvement | 56.4% | 117 | $205K | 94% | 42 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.