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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Santa Cruz County, California

Fat Boy Data analyzed investment property 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. 206 applications were decided by 79 lenders between 2023 and 2025.

Santa Cruz County at a glance

79Active lenders0 with 20+ decisions
83.5%Market approval rate172 of 206 decided
$635KTypical loanmedian lender, $10K brackets
95%Borrower take-up163 loans funded

How Santa Cruz County compares

Approval rate compared
Santa Cruz County83.5%California76.8%All 616 counties77.7%
Typical loan compared
Santa Cruz County$635KCalifornia$555KAll 616 counties$235K

What the data shows

Mackillie Incorporated made the most investment property refinances in Santa Cruz County, CA, 16 of them.

Lenders approved 83.5% of investment property refinance applications in Santa Cruz County, CA, 6.7 percentage points above the California rate of 76.8%.

The typical investment property refinance here is $635K, 14% larger than the California typical of $555K.

Investment property refinance lenders in Santa Cruz County

LenderApprovalApprovedTaken upTypical loanLoans made
1Mackillie IncorporatedLimited sample100%16 / 16100%$305K16
2Crosscountry Mortgage, LLCLimited sample100%15 / 15100%$635K15
3U.S. Bank National AssociationLimited sample86%12 / 1492%$895K11
4Rocket Mortgage, LLCLimited sample54%7 / 1386%$735K6
5United Wholesale Mortgage, LLCBroker only78%7 / 9100%$495K7

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 74 more lenders.

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