PlainLender
2024 data HMDA 2024 disclosure official source

Amador County

1,696 mortgage applications, 18.5% denial rate. Verify FIPS 06005 with U.S. Census Bureau →

PlainLender home → About this data

California · FIPS 06005

Local mortgage market. Amador County, California saw 1,696 HMDA-reported mortgage applications in 2024. Lenders originated 840 of those loans and denied 313, producing a denial rate of 18.5% and an approval (origination) rate of 49.5%. The average loan amount was $272,618 at an average note rate of 7.20%, with applicants self-reporting average annual income of $39K. 150 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 06005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,696
Applications
840
Originated
18.5%
Denial Rate
49.5%
Approval Rate
$272,618
Avg Loan Amount
7.20%
Avg Interest Rate
$39K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Amador County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 116 13.8%
2 Rocket Mortgage 86 10.2%
3 The Golden 1 Credit Union 40 4.8%
4 American Pacific Mortgage Corporation 32 3.8%
5 Alameda Mortgage Corporation 29 3.5%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Amador County?
In the 2024 HMDA reporting year, 1,696 mortgage applications were filed in Amador County, California. Of these, 840 were originated (approved and funded), while 313 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Amador County?
The mortgage denial rate in Amador County is 18.5%. The approval (origination) rate is 49.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Amador County?
The average mortgage loan amount in Amador County is $272,618. The average interest rate is 7.202%. The average applicant income is $39K.
What is the loan-to-income ratio in Amador County?
The average loan-to-income ratio in Amador County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Amador County?
The top mortgage lenders in Amador County by origination volume are United Wholesale Mortgage, Rocket Mortgage, The Golden 1 Credit Union. In total, 150 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.