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refinance lenders · HMDA 2023–2025

Refinance lenders in San Mateo County, California

Fat Boy Data analyzed mortgage refinance activity in San Mateo 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. 5,182 applications were decided by 256 lenders between 2023 and 2025.

San Mateo County at a glance

256Active lenders46 with 20+ decisions
82.8%Market approval rate4,289 of 5,182 decided
$805KTypical loanmedian lender, $10K brackets
97%Borrower take-up4,147 loans funded

How San Mateo County compares

Approval rate compared
San Mateo County82.8%California76.7%All 616 counties76.5%
Typical loan compared
San Mateo County$805KCalifornia$655KAll 616 counties$295K

What the data shows

Bank of America, National Association made the most mortgage refinances in San Mateo County, CA, 518 of them.

Hsbc Bank USA, N.A.tional Association approved the highest share of applications among lenders with at least 20 decisions here, 100% of 50.

Lenders approved 82.8% of mortgage refinance applications in San Mateo County, CA, 6.1 percentage points above the California rate of 76.7%.

The typical mortgage refinance here is $805K, 23% larger than the California typical of $655K.

Approval rate of all 46 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 7% approved of 45Spring Eq, LLC: 41% approved of 41Lakeview Loan Servicing, LLC: 43% approved of 28Comerica Bank: 55% approved of 80Newrez LLC: 55% approved of 20Fourleaf: 57% approved of 23Alliant Credit Union: 60% approved of 50Third Federal Savings And Loan Association Of Cleveland: 61% approved of 54Patelco Credit Union: 69% approved of 62Fremont Bank: 72% approved of 87Zions Bancorporation, N.A.: 72% approved of 29STAR ONE Credit Union: 74% approved of 39Rocket Mortgage, LLC: 75% approved of 241First Bank: 77% approved of 26Bank of America, National Association: 77% approved of 683BMO Bank National Association: 78% approved of 122San Mateo Credit Union: 78% approved of 59PNC Bank, National Association: 79% approved of 134First-Citizens Bank & Trust Company: 79% approved of 24Pennymac Loan Services, LLC: 80% approved of 44Longbridge Financial, LLC: 83% approved of 46United Wholesale Mortgage, LLC: 87% approved of 335Wells Fargo Bank, National Association: 87% approved of 281Mutual of Omaha Mortgage, Inc.: 88% approved of 43Citizens Bank, National Association: 90% approved of 20JPMorgan Chase Bank, National Association: 90% approved of 228U.S. Bank National Association: 91% approved of 372Guaranteed Rate Affinity, LLC: 91% approved of 35The Golden 1: 92% approved of 36Morgan Stanley Private Bank, National Association: 92% approved of 38STANFORD Federal Credit Union: 92% approved of 159Loandepot.Com, LLC: 93% approved of 27The Loan Store, Inc.: 93% approved of 27New American Funding, LLC: 94% approved of 31Finance of America Reverse LLC: 95% approved of 124Guaranteed Rate, Inc.: 95% approved of 62City National Bank: 95% approved of 21East West Bank: 97% approved of 31Citibank, National Association: 97% approved of 223General Mortgage Capital Corporation: 98% approved of 45Charles Schwab Bank, SSB: 98% approved of 57Hsbc Bank USA, N.A.tional Association: 100% approved of 50Provident Credit Union: 100% approved of 40Crosscountry Mortgage, LLC: 100% approved of 35Googain, Inc.: 100% approved of 30Provident Funding Associates, L.P.: 100% approved of 27

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

Refinance lenders in San Mateo County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association77%528 / 68398%$635K518
2U.S. Bank National Association91%337 / 37297%$1.08M328
3United Wholesale Mortgage, LLCBroker only87%291 / 33598%$805K284
4Wells Fargo Bank, National Association87%245 / 281100%$1.34M245
5Rocket Mortgage, LLC75%181 / 24197%$765K176

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 251 more lenders.

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Nearby markets

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