Santa Cruz County, CA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 5,082 mortgage applications in Santa Cruz County, CA totaling $2.8 billion, up 5% from 2023. The average application was for $547,000, and applicants reported an average income of $255,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Bay Federal Credit Union, with 509 applications, followed by Crosscountry Mortgage, LLC and United Wholesale Mortgage.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in California.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,082
Total Mortgage Loan Application Amount $2,782,095,000
Average Mortgage Loan Application Amount $547,000
Highest Mortgage Loan Application Amount $34,505,000
Average Applicant Income $255,000
Highest Applicant Income $9,744,000

Mortgage Company List for Lending in Santa Cruz County, CA for 2024

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Bay Federal Credit Union
3333 CLARES STREET
CAPITOLA, CA 95010
* $ n/a 509 $ 145,115,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 350 $ 268,120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 217 $ 142,535,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 201 $ 86,115,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 176 $ 97,450,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 114 $ 64,480,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 103 $ 64,655,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 101 $ 16,265,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 94 $ 69,930,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 93 $ 67,235,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 90 $ 66,380,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 82 $ 53,350,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 78 $ 46,290,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 78 $ 8,880,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ n/a 77 $ 15,645,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 74 $ 20,070,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 73 $ 8,715,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ n/a 69 $ 29,975,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 68 $ 12,110,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 58 $ 36,780,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 51 $ 37,315,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 45 $ 72,135,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 45 $ 31,195,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 44 $ 23,030,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 43 $ 55,205,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 41 $ 14,485,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 41 $ 4,855,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 40 $ 8,620,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 40 $ 18,130,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 38 $ 11,600,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 37 $ 23,085,000
Fremont Bank
39150 FREMONT BLVD
FREMONT, CA 94538
* $ n/a 37 $ 12,965,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 34 $ 23,650,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 32 $ 8,750,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 31 $ 9,105,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 31 $ 18,665,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 29 $ 17,365,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 29 $ 8,565,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 28 $ 12,300,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 27 $ 31,555,000
Santa Cruz Community Credit Union
324 FRONT STREET
SANTA CRUZ, CA 95060
* $ n/a 27 $ 7,515,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 27 $ 14,015,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 26 $ 17,400,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 25 $ 11,135,000
Stanford Federal Credit Union
1860 EMBARCADERO ROAD
PALO ALTO, CA 94303
* $ n/a 24 $ 12,370,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 24 $ 12,380,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 23 $ 26,785,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 23 $ 11,895,000
The Golden 1 Credit Union
8945 CAL CENTER DR
SACRAMENTO, CA 95826
* $ n/a 22 $ 17,050,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 21 $ 10,925,000
Patelco Credit Union
5050 HOPYARD ROAD
DUBLIN, CA 94568
* $ n/a 21 $ 3,025,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 21 $ 12,565,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 20 $ 5,310,000
Ml Mortgage Corp.
8270 ASPEN AVE
RANCHO CUCAMONGA, CA 91730
* $ n/a 19 $ 11,285,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ n/a 19 $ 12,205,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ n/a 18 $ 8,510,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 18 $ 14,360,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 17 $ 7,865,000
Technology Credit Union
2010 N FIRST ST, SUITE #200
SAN JOSE, CA 95131
* $ n/a 17 $ 5,465,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 17 $ 5,505,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 17 $ 13,305,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 17 $ 11,105,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 17 $ 8,555,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 16 $ 6,290,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 15 $ 3,415,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 14 $ 13,710,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 14 $ 5,930,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 14 $ 4,850,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 14 $ 9,390,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 13 $ 7,245,000
Mountain West Financial, Inc.
1209 NEVADA ST. SUITE 200
REDLANDS, CA 92374
* $ n/a 13 $ 6,775,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 13 $ 11,895,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 12 $ 9,840,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 12 $ 5,230,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 12 $ 5,320,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 12 $ 8,850,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 12 $ 9,150,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 11 $ 7,185,000
Val-Chris Investments Inc.
2601 MAIN ST #400
IRVINE, CA 92620
* $ n/a 10 $ 2,370,000
Mackillie Inc
7412 CYPRESS LANE
CARMEL, CA 93923
* $ n/a 10 $ 8,240,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 10 $ 7,190,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 9 $ 5,875,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 9 $ 9,915,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ n/a 9 $ 10,345,000
Provident Credit Union
303 TWIN DOLPHIN DRIVE
REDWOOD CITY, CA 94065
* $ n/a 9 $ 4,705,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ n/a 9 $ 5,225,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 8 $ 5,810,000
General Mortgage Capital Corporation
1350 OLD BAYSHORE HWY
BURLINGAME, CA 94010
* $ n/a 8 $ 7,930,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 8 $ 3,740,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ n/a 8 $ 8,070,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 8 $ 9,600,000
Mirastar Federal Credit Union
1641 NORTH FIRST STREET, SUITE 170
SAN JOSE, CA 95103
* $ n/a 8 $ 2,650,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 8 $ 9,110,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 7 $ 6,705,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 7 $ 10,095,000
Schoolsfirst FCU
2115 NORTH BROADWAY
TUSTIN, CA 92780
* $ n/a 7 $ 1,835,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 7 $ 3,305,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 7 $ 4,225,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 7 $ 2,605,000
Pacific Service Credit Union
3000 CLAYTON ROAD
CONCORD, CA 94520
* $ n/a 7 $ 1,445,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 7 $ 8,085,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 7 $ 4,545,000
Premierone Credit Union
6640 VIA DEL ORO
SAN JOSE, CA 95119
* $ n/a 7 $ 1,715,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 14,235,000
Proper Rate, LLC
1800 W LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 7 $ 7,105,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 6 $ 3,010,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 6 $ 3,670,000
Meriwest Credit Union
5615 CHESBRO AVE
SAN JOSE, CA 95123
* $ n/a 6 $ 820,000
Murphy Bank
5180 N PALM #101
FRESNO, CA 93704
* $ n/a 6 $ 1,750,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ n/a 6 $ 830,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ n/a 6 $ 2,770,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 6 $ 2,180,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 6 $ 7,770,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ n/a 5 $ 1,705,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 5 $ 3,065,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 5 $ 2,685,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 5 $ 4,045,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 5 $ 1,245,000
Marion & Polk Schools Credit Union
PO BOX 12398
SALEM, OR 97309
* $ n/a 5 $ 1,125,000
Ahl Funding
4 PARK PLAZA SUITE 730
IRVINE, CA 92614
* $ n/a 5 $ 2,645,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 5 $ 7,195,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 5 $ 1,195,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 5 $ 4,365,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 5 $ 3,045,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 5 $ 3,625,000
Home Mortgage Alliance Corp (Hmac)
4 HUTTON CENTER DR. SUITE 500
SANTA ANA, CA 92707
* $ n/a 5 $ 1,935,000
North Coast Financial, Inc.
2424 VISTA WAY #202
CARLSBAD, CA 92018
* $ n/a 5 $ 2,165,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 5 $ 4,475,000
Monterra Credit Union
350 CONVENTION WAY
REDWOOD CITY, CA 94063
* $ n/a 5 $ 755,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 4 $ 2,730,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ n/a 4 $ 3,120,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 4 $ 2,790,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 4 $ 3,150,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 3,110,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 1,900,000
Wescom Central Credit Union
123 S MARENGO AVENUE
PASADENA, CA 91101
* $ n/a 4 $ 540,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 4 $ 480,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 4 $ 560,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ n/a 4 $ 1,580,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 2,375,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 3 $ 425,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ n/a 3 $ 2,475,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 1,985,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 3 $ 1,305,000
Pacific Premier

PORTLAND, OR 97205
* $ n/a 3 $ 2,795,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 3,265,000
Mechanics Bank
1111 CIVIC DR
WALNUT CREEK, CA 94596
* $ n/a 3 $ 2,105,000
Mission City Federal Credit Union
1391 FRANKLIN ST
SANTA CLARA, CA 95050
* $ n/a 3 $ 925,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 3 $ 585,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 3 $ 1,265,000
Googain, Inc.
1288 KIFER RD STE 208
SUNNYVALE, CA 94086
* $ n/a 3 $ 1,955,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 3 $ 1,235,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 3 $ 1,565,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 3 $ 1,735,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ n/a 3 $ 2,455,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 2,495,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 3 $ 715,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 3 $ 1,365,000
Educational Employees Credit Union
P.O. BOX 5242
FRESNO, CA 93755
* $ n/a 3 $ 1,115,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 3 $ 2,545,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 3 $ 1,535,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 3 $ 1,475,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 3 $ 2,545,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 2,765,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 3 $ 1,785,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 3 $ 2,365,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 3 $ 3,225,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 1,475,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 3 $ 7,405,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 2 $ 650,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 1,710,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 2 $ 720,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 700,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 2 $ 2,240,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 150,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 500,000
Catalyst Mortgage
3013 DOUGLAS BLVD, SUITE 135
ROSEVILLE, CA 95661
* $ n/a 2 $ 1,660,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 2 $ 1,610,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ n/a 2 $ 1,100,000
Mortgage Capital Partners, Inc
12400 WILSHIRE BLVD, SUITE 900
LOS ANGELES, CA 90025
* $ n/a 2 $ 1,030,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 2 $ 1,460,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 2 $ 1,640,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 2 $ 1,640,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 2 $ 1,350,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 150,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 2 $ 2,280,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ n/a 2 $ 10,010,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 2 $ 2,100,000
Nmsi, Inc.
3700 WILSHIRE BLVD. STE. 330
LOS ANGELES, CA 90010
* $ n/a 2 $ 930,000
Oceanair Federal Credit Union
2151 E GONZALES RD
OXNARD, CA 93036
* $ n/a 2 $ 520,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 1,390,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 880,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 450,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 2 $ 1,300,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 2 $ 2,500,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 840,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 1,200,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 1,230,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 2 $ 2,700,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 2 $ 1,440,000
Starboard Financial Management, LLC
4145 E BASELINE RD
GILBERT, AZ 85234
* $ n/a 2 $ 1,410,000
Meriwest Mortgage Company
5615 CHESBRO AVE SUITE 110
SAN JOSE, CA 95123
* $ n/a 2 $ 1,620,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 2 $ 3,430,000
Htlf Bank
1800 LARIMER ST #1800
DENVER, CO 80202
* $ n/a 2 $ 670,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 2 $ 650,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 2 $ 1,400,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 2 $ 2,630,000
Uncle Credit Union
2100 LAS POSITAS COURT
LIVERMORE, CA 94551
* $ n/a 2 $ 510,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 930,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ n/a 2 $ 1,300,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 2 $ 1,470,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 2 $ 1,930,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ n/a 2 $ 2,280,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 610,000
Sunwest Bank

IRVINE, CA 92614
* $ n/a 2 $ 280,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 1,220,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 1,580,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 2 $ 2,690,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 1,930,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 2 $ 2,760,000
East West Bank
135 NORTH LOS ROBLES AVENUE
PASADENA, CA 91101
* $ n/a 2 $ 1,820,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 2 $ 150,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ n/a 1 $ 1,145,000
Open Bank
1000 WILSHIRE BLVD. SUITE 100
LOS ANGELES, CA 90017
* $ n/a 1 $ 355,000
San Francisco Fire Credit Union
3201 CALIFORNIA STREET
SAN FRANCISCO, CA 94118
* $ n/a 1 $ 55,000
Financial Partners Credit Unio
7800 E. IMPERIAL HIGHWAY
DOWNEY, CA 90241
* $ n/a 1 $ 255,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ n/a 1 $ 515,000
Heritage Bank of Commerce
224 AIRPORT PKWY #300
SAN JOSE, CA 95110
* $ n/a 1 $ 1,645,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ n/a 1 $ 85,000
Griffin Funding Inc.
2445 5TH AVE SUITE 401
SAN DIEGO, CA 92101
* $ n/a 1 $ 125,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 1,145,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ n/a 1 $ 755,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ n/a 1 $ 1,505,000
Redwood Credit Union
P O BOX 6104
SANTA ROSA, CA 95406
* $ n/a 1 $ 105,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ n/a 1 $ 275,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 905,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ n/a 1 $ 875,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 75,000
Lantzman Management Inc
11696 SORRENTO VALLEY RD SUITE 201
SAN DIEGO, CA 92121
* $ n/a 1 $ 555,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 1 $ 1,125,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ n/a 1 $ 255,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ n/a 1 $ 345,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 895,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ n/a 1 $ 1,125,000
Smartfi Home Loans

SAN DIEGO, CA 92122
* $ n/a 1 $ 625,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 705,000
Dignified Home Loans LLC
1 BAXTER WAY, SUITE 120
WESTLAKE VILLAGE, CA 91362
* $ n/a 1 $ 765,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ n/a 1 $ 585,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 765,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 1,495,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 1,035,000
Fidelity Lending Solutions Inc
2650 E. IMPERIAL HWY. SUITE 110
BREA, CA 92821
* $ n/a 1 $ 255,000
Blupeak Credit Union
10120 PACIFIC HEIGHTS BLVD, SUITE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 395,000
Coastal Funding Slc, Inc.
735 TANK FARM ROAD, SUITE 210
SAN LUIS OBISPO, CA 93401
* $ n/a 1 $ 1,045,000
5th Sreet Capital Inc.
2020 CAMINO DEL RIO N #300
SAN DIEGO, CA 92108
* $ n/a 1 $ 655,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 995,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 1 $ 655,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 715,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ n/a 1 $ 535,000
Snapfi, Inc.
1155 MERIDIAN AVENUE, #100
SAN JOSE, CA 95125
* $ n/a 1 $ 905,000
Orange County's FCU
1701 E. ST. ANDREW PLACE
SANTA ANA, CA 92705
* $ n/a 1 $ 155,000
Safe Credit Union
2295 IRON POINT RD SUITE 100
FOLSOM, CA 95630
* $ n/a 1 $ 55,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 905,000
Emet Lending Group, Inc.
2601 SATURN ST SUITE 200
BREA, CA 92821
* $ n/a 1 $ 615,000
Sundae Funding

EL SEGUNDO, CA 90245
* $ n/a 1 $ 1,005,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 75,000
Altitude Financial Corporation
4031 E SUNRISE DRIVE
TUCSON, AZ 85718
* $ n/a 1 $ 815,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 1 $ 15,005,000
Victoria Financial Corp
217 W. LAS TUNAS DR
SAN GABRIEL, CA 91776
* $ n/a 1 $ 565,000
All Reverse Mortgage, Inc
2019 W CHAPMAN AVENUE
ORANGE, CA 92868
* $ n/a 1 $ 425,000
Lbs Financial Credit Union
5505 GARDEN GROVE BLVD
WESTMINSTER, CA 92683
* $ n/a 1 $ 905,000
Mit Federal Credit Union
700 TECHNOLOGY SQUARE
LEXINGTON, MA 02421
* $ n/a 1 $ 765,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ n/a 1 $ 395,000
Merco Credit Union
1911 M STREET
MERCED, CA 95340
* $ n/a 1 $ 805,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 305,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 465,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 1 $ 355,000
Community West Bank, A California Banking Corporation

FRESNO, CA 93720
* $ n/a 1 $ 375,000
Jll Real Estate Capital, LLC
2177 YOUNGMAN AVE W SUITE 300
ST. PAUL, MN 55116
* $ n/a 1 $ n/a
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 1 $ 655,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 255,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 355,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 675,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 1 $ 655,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ n/a 1 $ 65,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ n/a 1 $ 45,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 1,145,000
Logix Federal Credit Union
2340 HOLLYWOOD WAY
VALENCIA, CA 91355
* $ n/a 1 $ 105,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 1,595,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ n/a 1 $ 675,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 375,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ n/a 1 $ 435,000
First Bridge Funding, Inc
5341 OLD REDWOOD HWY SUITE 200
PETALUMA, CA 94954
* $ n/a 1 $ 2,505,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 635,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 455,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ n/a 1 $ 55,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 1 $ 1,105,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ n/a 1 $ 215,000
Hanmi Bank
3660 WILSHIRE BLVD STE 103
LOS ANGELES, CA 90006
* $ n/a 1 $ 2,005,000
Tri Counties Bank
63 CONSTITUTION DRIVE
CHICO, CA 95973
* $ n/a 1 $ 715,000
The Northern Trust Co
50 S. LA SALLE
CHICAGO, IL 60603
* $ n/a 1 $ 225,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ n/a 1 $ 1,195,000
Ennkar, Inc.
1036 W. TAFT AVENUE SUITE 200
ORANGE, CA 92868
* $ n/a 1 $ 475,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 395,000
Fay Servicing LLC

TAMPA, FL 33609
* $ n/a 1 $ 1,055,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 675,000
Keypoint Credit Union
2805 BOWERS AVENUE
SANTA CLARA, CA 95051
* $ n/a 1 $ 765,000
Salal Credit Union
1515 DEXTER AVE N
SEATTLE, WA 98115
* $ n/a 1 $ 1,075,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ n/a 1 $ 85,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 655,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 225,000
The First Financial Federal Credit Union
1600 W. CAMERON AVE
PASADENA, CA 91107
* $ n/a 1 $ 205,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ n/a 1 $ 305,000
Reliable Holdings Manager dba Lendz Financial
19790 W DIXIE HWY SUITE 104
MIAMI, FL 33180
* $ n/a 1 $ 275,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 305,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 1 $ 1,425,000
Loanleaders of America, Inc
38 EXECUTIVE PARK, SUITE 260
IRVINE, CA 92614
* $ n/a 1 $ 175,000
Portage Bank

SPOKANE, WA 99201
* $ n/a 1 $ 255,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 1 $ 825,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 1 $ 1,255,000
Ony Glo, Inc.
6 HUTTON CENTRE DRIVE #1030
SANTA ANA, CA 92707
* $ n/a 1 $ 585,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ n/a 1 $ 2,315,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 1,005,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 405,000
Cathay Bank
9650 FLAIR DRIVE
LOS ANGELES, CA 90012
* $ n/a 1 $ 255,000
Equity Wave Lending, Inc.
2355 MAIN ST #230
IRVINE, CA 92614
* $ n/a 1 $ 155,000
Royal Pacific Funding
4000 MACARTHUR BLVD TOWER - 7TH
NEWPORT BEACH, CA 92660
* $ n/a 1 $ 1,885,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 1 $ 505,000

The tables below break down 2024 mortgage applications in Santa Cruz County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Santa Cruz County, CA in 2024

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,002 $1,555,210,000 $776,000 $15,005,000 $306,000 $9,744,000
Cash-out Refinancing 1,088 $416,695,000 $383,000 $3,505,000 $210,000 $8,097,000
Refinancing 803 $504,295,000 $628,000 $9,945,000 $254,000 $2,780,000
Other Purpose 598 $147,070,000 $245,000 $10,005,000 $225,000 $4,550,000
Home Improvement 583 $155,945,000 $267,000 $34,505,000 $210,000 $3,000,000
Not Applicable 8 $2,880,000 $360,000 $1,555,000 $400,000 $400,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,770 $1,430,860,000 $516,000 $5,565,000 $252,000 $6,770,000
Not Provided 904 $492,440,000 $544,000 $10,005,000 $269,000 $5,601,000
Hispanic 649 $265,065,000 $408,000 $2,455,000 $204,000 $8,097,000
Not applicable 442 $373,555,000 $847,000 $34,505,000 $446,000 $2,414,000
Asian 245 $183,705,000 $749,000 $4,905,000 $363,000 $9,744,000
Black or African American 39 $22,155,000 $568,000 $1,905,000 $217,000 $639,000
American Indian or Alaskan Native 24 $11,730,000 $488,000 $1,105,000 $179,000 $480,000
Native Hawaiian or Other Pacific Islander 8 $2,480,000 $310,000 $635,000 $170,000 $443,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,708 $2,512,285,000 $533,000 $34,505,000 $262,000 $9,744,000
FHA-insured (Federal Housing Administration) 281 $188,455,000 $670,000 $15,005,000 $138,000 $420,000
VA-guaranteed (Veterans Administration) 93 $81,355,000 $874,000 $9,945,000 $183,000 $470,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,661 $1,596,270,000 $600,000 $34,505,000 $279,000 $9,744,000
Application Denied By Financial Institution 852 $304,500,000 $357,000 $2,905,000 $192,000 $4,550,000
Application Withdrawn By Applicant 715 $392,215,000 $548,000 $3,985,000 $243,000 $8,097,000
Loan Purchased By The Institution 428 $295,720,000 $690,000 $2,005,000 $367,000 $2,414,000
File Closed For Incompleteness 266 $112,140,000 $421,000 $9,945,000 $228,000 $3,000,000
Application Approved But Not Accepted 148 $72,350,000 $488,000 $5,005,000 $252,000 $3,145,000
Preapproval Approved but not Accepted 12 $8,900,000 $741,000 $1,105,000 $187,000 $265,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 4,192 $2,465,665,000 $588,000 $34,505,000 $270,000 $9,744,000
Debt-To-Income Ratio 374 $130,690,000 $349,000 $2,905,000 $135,000 $1,867,000
Credit Application Incomplete 140 $43,690,000 $312,000 $1,595,000 $185,000 $999,000
Credit History 118 $32,010,000 $271,000 $1,905,000 $239,000 $4,550,000
Collateral 109 $42,295,000 $388,000 $1,955,000 $262,000 $1,899,000
Other 83 $32,185,000 $387,000 $2,105,000 $252,000 $1,350,000
Unverifiable Information 41 $15,385,000 $375,000 $1,065,000 $228,000 $630,000
Insufficient Cash (Downpayment, Closing Cost) 21 $18,405,000 $876,000 $2,465,000 $210,000 $659,000
Employment History 4 $1,770,000 $442,000 $775,000 $301,000 $506,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Download the California Lender List