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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Santa Cruz County, California

Fat Boy Data analyzed home purchase mortgage 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. 3,691 applications were decided by 249 lenders between 2023 and 2025.

Santa Cruz County at a glance

249Active lenders30 with 20+ decisions
91.1%Market approval rate3,362 of 3,691 decided
$725KTypical loanmedian lender, $10K brackets
95%Borrower take-up3,199 loans funded

How Santa Cruz County compares

Approval rate compared
Santa Cruz County91.1%California88.4%All 616 counties87.6%
Typical loan compared
Santa Cruz County$725KCalifornia$555KAll 616 counties$335K

What the data shows

Crosscountry Mortgage, LLC made the most home purchase mortgages in Santa Cruz County, CA, 515 of them.

Premier Mortgage Resources, L.L.C. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 65.

The typical home purchase mortgage here is $725K, 31% larger than the California typical of $555K.

Approval rate of all 30 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 24% approved of 55Credit Human Federal Credit Union: 42% approved of 48BMO Bank National Association: 73% approved of 37Triad Financial Services, Inc.: 75% approved of 109Bank of America, National Association: 77% approved of 81JPMorgan Chase Bank, National Association: 84% approved of 75Kind Lending, LLC: 85% approved of 27U.S. Bank National Association: 88% approved of 124Wells Fargo Bank, National Association: 89% approved of 90Pennymac Loan Services, LLC: 90% approved of 29Rocket Mortgage, LLC: 91% approved of 279STAR ONE Credit Union: 92% approved of 48American Pacific Mortgage Corporation: 93% approved of 30Bay Federal Credit Union: 94% approved of 325ML Mortgage Corp.: 94% approved of 32United Wholesale Mortgage, LLC: 94% approved of 236Mason Mcduffie Mortgage Corporation: 94% approved of 157The Loan Store, Inc.: 95% approved of 20Loandepot.Com, LLC: 95% approved of 21Guaranteed Rate Affinity, LLC: 96% approved of 46Guaranteed Rate, Inc.: 97% approved of 58Mountain West Financial, Inc.: 97% approved of 31Santa Cruz Community Credit Union: 97% approved of 33The Golden 1: 98% approved of 40Morgan Stanley Private Bank, National Association: 98% approved of 45Guild Mortgage Company LLC: 99% approved of 81Crosscountry Mortgage, LLC: 99% approved of 522Premier Mortgage Resources, L.L.C.: 100% approved of 65Paramount Residential Mortgage Group, Inc.: 100% approved of 40Academy Mortgage Corporation: 100% approved of 30

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

Mortgage lenders in Santa Cruz County

LenderApprovalApprovedTaken upTypical loanLoans made
1Crosscountry Mortgage, LLC99%519 / 52299%$745K515
2Bay Federal Credit Union94%304 / 32596%$475K292
3Rocket Mortgage, LLC91%254 / 279100%$725K253
4United Wholesale Mortgage, LLCBroker only94%222 / 23699%$725K220
5Mason Mcduffie Mortgage Corporation94%148 / 157100%$635K148

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 244 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Santa Cruz County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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