refinance lenders · HMDA 2023–2025

Refinance lenders in Santa Cruz County, California

Fat Boy Data analyzed mortgage 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. 1,515 applications were decided by 183 lenders between 2023 and 2025.

Santa Cruz County at a glance

183Active lenders17 with 20+ decisions
80.5%Market approval rate1,219 of 1,515 decided
$665KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,157 loans funded

How Santa Cruz County compares

Approval rate compared
Santa Cruz County80.5%California76.7%All 616 counties76.5%
Typical loan compared
Santa Cruz County$665KCalifornia$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Santa Cruz County, CA, 100 of them.

Hightechlending Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 25% approved of 20Bank of America, National Association: 56% approved of 88Lakeview Loan Servicing, LLC: 62% approved of 21Fremont Bank: 64% approved of 25Comerica Bank: 71% approved of 98Third Federal Savings And Loan Association Of Cleveland: 75% approved of 40Rocket Mortgage, LLC: 77% approved of 136Finance of America Reverse LLC: 84% approved of 50United Wholesale Mortgage, LLC: 86% approved of 113Bay Federal Credit Union: 87% approved of 78U.S. Bank National Association: 88% approved of 52Longbridge Financial, LLC: 91% approved of 22Pennymac Loan Services, LLC: 96% approved of 25JPMorgan Chase Bank, National Association: 97% approved of 34Mutual of Omaha Mortgage, Inc.: 97% approved of 37Crosscountry Mortgage, LLC: 99% approved of 79Hightechlending Inc: 100% approved of 21

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

Refinance lenders in Santa Cruz County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC77%105 / 13695%$755K100
2United Wholesale Mortgage, LLCBroker only86%97 / 11397%$715K94
3Comerica Bank71%70 / 9889%$295K62
4Bank of America, National Association56%49 / 88100%$255K49
5Crosscountry Mortgage, LLC99%78 / 79100%$755K78

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 178 more lenders.

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You are seeing the 5 largest mortgage refinance 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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