Investment property refinance lenders in Santa Cruz County, California
Fat Boy Data analyzed investment property refinance activity in Santa Cruz 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. 206 applications were decided by 79 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
Mackillie Incorporated made the most investment property refinances in Santa Cruz County, CA, 16 of them.
Lenders approved 83.5% of investment property refinance applications in Santa Cruz County, CA, 6.7 percentage points above the California rate of 76.8%.
The typical investment property refinance here is $635K, 14% larger than the California typical of $555K.
Investment property refinance lenders in Santa Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Mackillie IncorporatedLimited sample | 100% | 16 / 16 | 100% | $305K | 16 |
| 2 | Crosscountry Mortgage, LLCLimited sample | 100% | 15 / 15 | 100% | $635K | 15 |
| 3 | U.S. Bank National AssociationLimited sample | 86% | 12 / 14 | 92% | $895K | 11 |
| 4 | Rocket Mortgage, LLCLimited sample | 54% | 7 / 13 | 86% | $735K | 6 |
| 5 | United Wholesale Mortgage, LLCBroker only | 78% | 7 / 9 | 100% | $495K | 7 |
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 74 more lenders.
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You are seeing the 5 largest investment property refinance lenders in Santa Cruz 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.
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