Contra Costa County
California · FIPS 06013
According to CFPB HMDA 2024 application volume among U.S. counties, Contra Costa County ranks #55 of 3,210, and #9 of 58 in California.
Mortgage lending activity in Contra Costa County, California based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Contra Costa County, California saw 34,282 HMDA-reported mortgage applications in 2024. Lenders originated 17,775 of those loans and denied 5,810, producing a denial rate of 16.9% and an approval (origination) rate of 51.8%. The average loan amount was $526,073 at an average note rate of 7.28%, with applicants self-reporting average annual income of $39K. 466 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 13.5x, meaning typical borrowers took on mortgages of about 13.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Contra Costa County
In Contra Costa County, lead originator United Wholesale Mortgage funded only 9.3% of 17,775 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Contra Costa County's 34,282 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Contra Costa County's $526,073 average loan (deduped against volume peers).
Lenders active in Contra Costa County
United Wholesale Mortgage funded 1,651 of the 17,775 loans originated in Contra Costa County, 9.3% of the county. 466 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 1,651 | 9.3% |
| 2 | Rocket Mortgage | 1,479 | 8.3% |
| 3 | Bank of America NA | 895 | 5.0% |
| 4 | Us Bank, N.A. | 731 | 4.1% |
| 5 | Crosscountry Mortgage, LLC | 640 | 3.6% |
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; does not constitute financial advice for Contra Costa County borrowers.
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 Contra Costa County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.