Lender in California · HMDA 2025
Wells Fargo Bank, N.A. mortgages in California
Wells Fargo Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Wells Fargo Bank, N.A. originated 8,294 owner-occupied single-family loans in California from 9,531 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $8,160 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.25% (California: 6.625%).
Loans in CA
8,294
of 9,531 applications
Denial rate
9.3%
Purchase · CA 8.9%
Rate spread
−0.27 pts
Conv. · CA +0.09 pts
Loan amount
$1,205,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 6,221 | 5,623 | 9.3% | 6.250% | −0.27 pts | $8,160 | $1,205,000 |
| Refinance | 2,266 | 1,982 | 12.4% | 6.375% | −0.20 pts | $4,190 | $1,265,000 |
| Cash-out refinance | 1,044 | 689 | 33.8% | 6.750% | +0.20 pts | $4,310 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Wells Fargo Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 1 | 2,565 | 15.5% |
| San Mateo County | 1 | 707 | 11.8% |
| Marin County | 1 | 215 | 9.6% |
| San Francisco County | 2 | 426 | 8.4% |
| Alameda County | 3 | 880 | 6.3% |
| Contra Costa County | 5 | 431 | 3.6% |
| Orange County | 8 | 434 | 2.0% |
| Mono County | 8 | 3 | 2.8% |
| Los Angeles County | 9 | 1,009 | 1.9% |
| Santa Cruz County | 9 | 44 | 2.7% |
| Monterey County | 11 | 48 | 2.1% |
| San Diego County | 12 | 390 | 1.4% |
| Napa County | 15 | 14 | 1.5% |
| Santa Barbara County | 16 | 40 | 1.5% |
| Yolo County | 16 | 27 | 1.6% |
| Sutter County | 16 | 11 | 1.4% |
| El Dorado County | 18 | 27 | 1.0% |
| Sonoma County | 19 | 50 | 1.2% |
| San Luis Obispo County | 19 | 24 | 1.0% |
| San Benito County | 19 | 9 | 1.3% |
| Calaveras County | 19 | 8 | 1.3% |
| Amador County | 20 | 6 | 1.2% |
| Lassen County | 21 | 3 | 1.2% |
| Mariposa County | 21 | 2 | 1.4% |
| Colusa County | 22 | 2 | 1.3% |
| Ventura County | 23 | 66 | 1.0% |
| Sacramento County | 24 | 130 | 0.8% |
| Placer County | 25 | 57 | 0.9% |
| Mendocino County | 25 | 4 | 0.8% |
- Wells Fargo Bank, N.A. nationwide
- California mortgage market
- Wells Fargo Bank, N.A. in New York
- Wells Fargo Bank, N.A. in Texas
- Wells Fargo Bank, N.A. in Florida
- Wells Fargo Bank, N.A. in North Carolina
- Wells Fargo Bank, N.A. in New Jersey
- Wells Fargo Bank, N.A. in Pennsylvania
- Wells Fargo Bank, N.A. in Washington
- Wells Fargo Bank, N.A. in Minnesota
- Wells Fargo Bank, N.A. in Georgia
- Wells Fargo Bank, N.A. in Virginia
- Wells Fargo Bank, N.A. in Arizona
- Wells Fargo Bank, N.A. in South Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology