{ "canonical_url": "https://lendb.ai/in/california/santa-cruz-county/conventional-loans", "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 148 funded conventional home loans in Santa Cruz County, CA in 2025, 1,829 loans in all, per HMDA, FFIEC/CFPB data. The most active were CrossCountry Mortgage (289), Rocket Mortgage (286) and United Wholesale Mortgage (135). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Santa Cruz County are linked below.", "county": { "fips": "06087", "name": "Santa Cruz County", "state": "CA" }, "loan_type": "conventional", "year": 2025, "source": "HMDA, FFIEC/CFPB", "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025", "totals": { "lenders": 148, "lenders_10": 35, "loans": 1829, "qualifies": true }, "lenders": [ { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "loans": 289, "includes_brokered": false, "loan_officers": { "total": 13, "people": [ { "nmls_id": 203209, "full_name": "Jenny Boffy", "canonical_url": "https://lendb.ai/lo/jenny-boffy-203209", "branch_city": "Santa Cruz", "branch_state": "CA" }, { "nmls_id": 243411, "full_name": "Brian Dean", "canonical_url": "https://lendb.ai/lo/brian-dean-243411", "branch_city": "Santa Cruz", "branch_state": "CA" }, { "nmls_id": 254384, "full_name": "Jean Adams", "canonical_url": "https://lendb.ai/lo/jean-adams-254384", "branch_city": "Santa Cruz", "branch_state": "CA" } ] } }, { "nmls_id": 3030, "name": "Rocket Mortgage", "slug": "rocket-mortgage-3030", "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030", "loans": 286, "includes_brokered": true, "loan_officers": { "total": 0, "people": [] } }, { "nmls_id": 3038, "name": "United Wholesale Mortgage (broker finder)", "slug": "united-wholesale-mortgage-3038", "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038", "loans": 135, "includes_brokered": true, "loan_officers": { "total": 0, "people": [] } }, { "nmls_id": 1141, "name": "Mason McDuffie Mortgage Corporation", "slug": "mason-mcduffie-mortgage-corporation-1141", "canonical_url": "https://lendb.ai/lender/mason-mcduffie-mortgage-corporation-1141", "loans": 72, "includes_brokered": false, "loan_officers": { "total": 0, "people": [] } }, { "nmls_id": 402761, "name": "U.S. Bank", "slug": "us-bank-402761", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "loans": 71, "includes_brokered": false, "loan_officers": { "total": 18, "people": [ { "nmls_id": 330696, "full_name": "Eddie Garcia", "canonical_url": "https://lendb.ai/lo/eddie-garcia-330696", "branch_city": "Los Gatos", "branch_state": "CA" }, { "nmls_id": 817094, "full_name": "Simona Frenkel", "canonical_url": "https://lendb.ai/lo/simona-frenkel-817094", "branch_city": "Los Gatos", "branch_state": "CA" }, { "nmls_id": 1006860, "full_name": "Christopher Yu", "canonical_url": "https://lendb.ai/lo/christopher-yu-1006860", "branch_city": "Cupertino", "branch_state": "CA" } ] } }, { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "loans": 64, "includes_brokered": false, "loan_officers": { "total": 23, "people": [ { "nmls_id": 964479, "full_name": "Moni Singh", "canonical_url": "https://lendb.ai/lo/moni-singh-964479", "branch_city": "San Jose", "branch_state": "CA" }, { "nmls_id": 1021457, "full_name": "Brandon Medina", "canonical_url": "https://lendb.ai/lo/brandon-medina-1021457", "branch_city": "Saratoga", "branch_state": "CA" }, { "nmls_id": 359663, "full_name": "David Daniel", "canonical_url": "https://lendb.ai/lo/david-daniel-359663", "branch_city": "San Jose", "branch_state": "CA" } ] } }, { "nmls_id": 399801, "name": "Wells Fargo Home Mortgage", "slug": "wells-fargo-399801", "canonical_url": "https://lendb.ai/lender/wells-fargo-399801", "loans": 62, "includes_brokered": false, "loan_officers": { "total": 69, "people": [ { "nmls_id": 332690, "full_name": "Annie Podesta", "canonical_url": "https://lendb.ai/lo/annie-podesta-332690", "branch_city": "San Jose", "branch_state": "CA" }, { "nmls_id": 1392147, "full_name": "Katie Chang", "canonical_url": "https://lendb.ai/lo/katie-chang-1392147", "branch_city": "San Jose", "branch_state": "CA" }, { "nmls_id": 1161555, "full_name": "LeAnn Denise Wong", "canonical_url": "https://lendb.ai/lo/leann-denise-wong-1161555", "branch_city": "San Jose", "branch_state": "CA" } ] } }, { "nmls_id": 35953, "name": "Pennymac", "slug": "pennymac-35953", "canonical_url": "https://lendb.ai/lender/pennymac-35953", "loans": 51, "includes_brokered": true, "loan_officers": { "total": 0, "people": [] } }, { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "loans": 50, "includes_brokered": false, "loan_officers": { "total": 6, "people": [ { "nmls_id": 38463, "full_name": "Jayson Stebbins", "canonical_url": "https://lendb.ai/lo/jayson-stebbins-38463", "branch_city": "Morgan Hill", "branch_state": "CA" }, { "nmls_id": 278667, "full_name": "John Norgard", "canonical_url": "https://lendb.ai/lo/john-norgard-278667", "branch_city": "Morgan Hill", "branch_state": "CA" }, { "nmls_id": 287633, "full_name": "Janene Towner Chernoff", "canonical_url": "https://lendb.ai/lo/janene-towner-chernoff-287633", "branch_city": "Morgan Hill", "branch_state": "CA" } ] } }, { "nmls_id": 1169, "name": "Premier Mortgage Resources, L.L.C.", "slug": "premier-mortgage-resources-l-l-c-1169", "canonical_url": "https://lendb.ai/lender/premier-mortgage-resources-l-l-c-1169", "loans": 35, "includes_brokered": false, "loan_officers": { "total": 0, "people": [] } } ], "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans." }