Mortgage lenders in Santa Cruz County
3,307 mortgages were made in Santa Cruz County, California, in 2025, by 321 lenders. The median rate their borrowers got was 6.875% on a median loan of $505,000. Of 4,393 decisions, 872 were denials — 19.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| BAY | 391 | 7.625% | $205,000 | 16.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 315 | 6.750% | $755,000 | 2.5% |
| Rocket Mortgage, LLC | 310 | 6.750% | $510,000 | 16.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | 6.500% | $645,000 | 14.7% |
| U.S. Bank National Association | 101 | 6.875% | $545,000 | 23.9% |
| Bank of America, National Association | 86 | 6.240% | $255,000 | 37.4% |
| JPMorgan Chase Bank, National Association | 85 | 6.125% | $875,000 | 10.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 79 | 6.625% | $615,000 | 10.2% |
| Comerica Bank | 68 | 5.990% | $255,000 | 39.7% |
| Wells Fargo Bank, National Association | 63 | 6.375% | $750,000 | 14.7% |
| PENNYMAC LOAN SERVICES, LLC | 57 | 6.625% | $645,000 | 11.6% |
| STAR ONE Credit Union | 57 | 6.500% | $325,000 | 25.0% |
| GUILD MORTGAGE COMPANY | 52 | 6.750% | $620,000 | 3.3% |
| GUARANTEED RATE, INC. | 40 | 6.625% | $615,000 | 8.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 38 | 6.563% | $645,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 35 | 6.625% | $575,000 | 0.0% |
| SPRING EQ, LLC | 34 | 8.775% | $135,000 | 56.1% |
| BMO Bank National Association | 32 | 7.158% | $735,000 | 38.9% |
| Loandepot.Com, LLC | 31 | 6.990% | $405,000 | 24.4% |
| Third Federal Savings and Loan Association of Cleveland | 31 | 6.990% | $205,000 | 30.4% |
| NATIONSTAR MORTGAGE LLC | 31 | 8.250% | $165,000 | 22.0% |
| GUARANTEED RATE AFFINITY, LLC | 29 | 6.550% | $755,000 | 9.4% |
| ML Mortgage Corp. | 28 | 6.750% | $655,000 | 9.1% |
| Morgan Stanley Private Bank, National Association | 28 | 5.750% | $845,000 | 3.2% |
| THE GOLDEN 1 | 27 | 6.125% | $805,000 | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 26 | 8.990% | $570,000 | 18.2% |
| THE LOAN STORE, INC. | 22 | 6.750% | $495,000 | 12.9% |
| ALLIANT CREDIT UNION | 22 | 8.125% | $240,000 | 23.3% |
| KIND LENDING, LLC | 22 | 6.813% | $725,000 | 15.4% |
| CMG MORTGAGE, INC. | 20 | 6.750% | $730,000 | 4.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 8.990% | $625,000 | 8.7% |
| NEWREZ LLC | 19 | 6.625% | $525,000 | 39.4% |
| PNC Bank, National Association | 18 | 6.375% | $745,000 | 34.5% |
| Cornerstone First Mortgage, Inc | 18 | 6.875% | $870,000 | 0.0% |
| Broker Solutions, Inc. | 17 | 6.875% | $655,000 | 9.1% |
| FIGURE LENDING LLC | 17 | 8.050% | $125,000 | 35.4% |
| Fremont Bank | 17 | 8.250% | $295,000 | 45.2% |
| NEXERA HOLDING LLC | 17 | 7.000% | $535,000 | 15.0% |
| Charles Schwab Bank, SSB | 17 | 5.625% | $755,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 16 | 6.875% | $645,000 | 5.9% |
| Navy Federal Credit Union | 15 | 7.950% | $255,000 | 38.5% |
| Patelco Credit Union | 15 | 8.000% | $225,000 | 5.6% |
| STANFORD Federal Credit Union | 15 | 6.625% | $405,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 8.000% | $305,000 | 51.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.625% | $115,000 | 35.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.780% | $315,000 | 23.1% |
| OCMBC, INC. | 13 | 6.750% | $625,000 | 10.5% |
| FlexPoint, Inc. | 12 | 6.750% | $555,000 | 6.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 6.120% | $780,000 | 7.7% |
| Coastal Community Bank | 11 | 9.490% | $105,000 | 0.0% |
| TECHNOLOGY CREDIT UNION | 11 | 7.500% | $255,000 | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 11 | 6.990% | $555,000 | 21.4% |
| Citibank, National Association | 10 | 5.563% | $1,290,000 | 28.6% |
| AMWEST FUNDING CORP. | 10 | 6.375% | $620,000 | 23.1% |
| OriginPoint, LLC | 10 | 6.433% | $830,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.813% | $800,000 | 9.1% |
| General Mortgage Capital Corporation | 10 | 6.620% | $785,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 10 | 7.625% | $630,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 7.1% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MERIWEST | 8 | Under 10 loans | Under 10 loans | 33.3% |
| HomeTrust Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PACIFIC SERVICE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 63.6% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Murphy Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 57.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 41.2% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Provident Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WESCOM CENTRAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| BAY-VALLEY MORTGAGE GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 84.9% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 11.1% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mirastar Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 83.3% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 57.1% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOOGAIN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North Coast Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 94.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CommonWealth Central Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 121 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Santa Cruz County
39 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 6 | $2.1 billion |
| Fifth Third Bank, National Association | 6 | $776.4 million |
| U.S. Bank National Association | 6 | $624.0 million |
| JPMorgan Chase Bank, National Association | 5 | $1.5 billion |
| West Coast Community Bank | 5 | $1.3 billion |
| Bank of America, National Association | 5 | $1.2 billion |
| BMO Bank National Association | 2 | $234.0 million |
| Liberty Bank, National Association | 2 | $101.4 million |
| Mechanics Bank | 1 | $100.1 million |
| Pacific Valley Bank | 1 | $18.0 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Comerica Bank, 1 Rancho Del Mar, Aptos
- Comerica Bank, 1237 Soquel Ave, Santa Cruz
- Comerica Bank, 1960 41st Ave, Capitola
- Comerica Bank, 1998 Main St, Watsonville
- Comerica Bank, 228 Mount Hermon Rd, Scotts Valley
- Comerica Bank, 25 River St, Santa Cruz
Get told when this changes
When the next year’s lending figures are out for Santa Cruz County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.