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refinance lenders · HMDA 2023–2025

Refinance lenders in Santa Clara County, California

Fat Boy Data analyzed mortgage refinance activity in Santa Clara 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. 15,266 applications were decided by 364 lenders between 2023 and 2025.

Santa Clara County at a glance

364Active lenders81 with 20+ decisions
83.9%Market approval rate12,801 of 15,266 decided
$1.12MTypical loanmedian lender, $10K brackets
96%Borrower take-up12,348 loans funded

How Santa Clara County compares

Approval rate compared
Santa Clara County83.9%California76.7%All 616 counties76.5%
Typical loan compared
Santa Clara County$1.12MCalifornia$655KAll 616 counties$295K

What the data shows

Bank of America, National Association made the most mortgage refinances in Santa Clara County, CA, 1,578 of them.

Nmsi, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 58.

Lenders approved 83.9% of mortgage refinance applications in Santa Clara County, CA, 7.2 percentage points above the California rate of 76.7%.

The typical mortgage refinance here is $1.12M, 72% larger than the California typical of $655K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 20% approved of 114Pentagon Federal Credit Union: 33% approved of 46Lakeview Loan Servicing, LLC: 34% approved of 82Spring Eq, LLC: 35% approved of 78Third Federal Savings And Loan Association Of Cleveland: 55% approved of 148Comerica Bank: 56% approved of 193Newrez LLC: 58% approved of 66Fourleaf: 58% approved of 36Onity Mortgage Corporation: 63% approved of 43Flagstar Bank, National Association: 69% approved of 58Meriwest: 69% approved of 88Fremont Bank: 71% approved of 291Zions Bancorporation, N.A.: 72% approved of 65Loandepot.Com, LLC: 74% approved of 110Nationstar Mortgage LLC: 74% approved of 38Rocket Mortgage, LLC: 74% approved of 848STAR ONE Credit Union: 75% approved of 318CommonWealth Central Credit Union: 75% approved of 52Mirastar Federal Credit Union: 76% approved of 63Alliant Credit Union: 77% approved of 61Cmg Mortgage, Inc.: 78% approved of 36The Golden 1: 80% approved of 220BMO Bank National Association: 82% approved of 366PNC Bank, National Association: 82% approved of 344Patelco Credit Union: 83% approved of 65Bank of America, National Association: 83% approved of 1,918City National Bank: 86% approved of 118United Wholesale Mortgage, LLC: 86% approved of 719Technology Credit Union: 86% approved of 198Pennymac Loan Services, LLC: 86% approved of 100Change Lending, LLC: 88% approved of 42NexBank: 88% approved of 43The Loan Store, Inc.: 89% approved of 38STANFORD Federal Credit Union: 90% approved of 283U.S. Bank National Association: 90% approved of 1,406East West Bank: 90% approved of 42Finance of America Reverse LLC: 91% approved of 302JPMorgan Chase Bank, National Association: 91% approved of 562Wells Fargo Bank, National Association: 91% approved of 1,030Provident Funding Associates, L.P.: 91% approved of 68Mutual of Omaha Mortgage, Inc.: 92% approved of 108Guaranteed Rate, Inc.: 92% approved of 72New American Funding, LLC: 92% approved of 49Charles Schwab Bank, SSB: 92% approved of 136Longbridge Financial, LLC: 93% approved of 90Citibank, National Association: 95% approved of 1,151Originpoint LLC: 95% approved of 38Guaranteed Rate Affinity, LLC: 96% approved of 46Crosscountry Mortgage, LLC: 96% approved of 75Provident Credit Union: 96% approved of 50First Technology Federal Credit Union: 96% approved of 54General Mortgage Capital Corporation: 97% approved of 96Resicentral, LLC: 97% approved of 39Hightechlending Inc: 98% approved of 46Morgan Stanley Private Bank, National Association: 98% approved of 57Googain, Inc.: 99% approved of 177Hsbc Bank USA, N.A.tional Association: 99% approved of 359Nmsi, Inc.: 100% approved of 58Sun West Mortgage Company, Inc.: 100% approved of 57New Wave Lending Group Inc: 100% approved of 39

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

Refinance lenders in Santa Clara County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association83%1,598 / 1,91899%$1.12M1,578
2U.S. Bank National Association90%1,270 / 1,40698%$1.22M1,244
3Citibank, National Association95%1,088 / 1,15199%$1.32M1,082
4Wells Fargo Bank, National Association91%937 / 1,030100%$1.43M933
5Rocket Mortgage, LLC74%630 / 84897%$715K614

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 359 more lenders.

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Other lending data for Santa Clara County

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Nearby markets

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