2025 Mortgage Loan Limits: Santa Cruz County, California
| Property Type | 2025 Loan Limit |
|---|---|
| 1-Unit Homes | $1,178,750 |
| 2-Unit Homes | $1,509,050 |
| 3-Unit Homes | $1,824,050 |
| 4-Unit Homes | $2,266,900 |
Source: Federal Housing Finance Agency; Federal Housing Administration
Santa Cruz County, California, mortgage loan limits apply in:
Santa Cruz County 2025 mortgage loan limits include the following cities: Amesti, Aptos, Aptos Hills-Larkin Valley, Ben Lomond, Bonny Doon, Boulder Creek, Brookdale, Capitola, Corralitos, Davenport, Day Valley, Felton, Freedom, Interlaken, La Selva Beach, Live Oak, Lompico, Mount Hermon, Pajaro Dunes, Paradise Park, Pasatiempo, Pleasure Point, Rio del Mar, Santa Cruz, Scotts Valley, Seacliff, Soquel, Twin Lakes, Watsonville, Zayante
Historical Charts: Mortgage Loan Limits in Santa Cruz County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Santa Cruz County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Santa Cruz County, California
Mortgage statistics for Santa Cruz County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 8804 |
| Loan Type | Relative Share |
|---|---|
| Conventional | 93.76% |
| FHA | 4.10% |
| VA | 2.07% |
| USDA | 0.07% |
| Property Type | Relative Share |
|---|---|
| 1-Unit Homes | 98.11% |
| 2-Unit Homes | 1.39% |
| 3-Unit Homes | 0.30% |
| 4-Unit Homes | 0.20% |
| Borrower Status | Relative Share |
|---|---|
| One Applicant | 40.98% |
| Two or More Applicants | 59.02% |
| Gender | Relative Share |
|---|---|
| Male | 25.40% |
| Female | 18.21% |
| Joint Sex | 49.03% |
| Not Available | 7.36% |
| Race | Relative Share |
|---|---|
| American Indian / Alaska Native | 0.42% |
| Asian | 5.05% |
| Black / African American | 0.36% |
| Native Hawaiian / Other Pacific Islander | 0.18% |
| White | 71.25% |
| Mixed Race | 4.83% |
| Other Race | 17.90% |
| Ethnicity | Relative Share |
|---|---|
| Hispanic or Latino | 9.00% |
| Not Hispanic or Latino | 68.83% |
| Joint Ethnicity | 4.61% |
| Other Ethnicity | 17.56% |
Santa Cruz County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Santa Cruz County, California
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Santa Cruz County, California. Local loan limits and county-level mortgage data updated regularly.
