Del Norte County
California · FIPS 06015
According to CFPB HMDA 2024 application volume among U.S. counties, Del Norte County ranks #1,726 of 3,210, and #47 of 58 in California.
Mortgage lending activity in Del Norte 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. Del Norte County, California saw 701 HMDA-reported mortgage applications in 2024. Lenders originated 327 of those loans and denied 137, producing a denial rate of 19.5% and an approval (origination) rate of 46.6%. The average loan amount was $256,469 at an average note rate of 7.46%, with applicants self-reporting average annual income of $39K. 86 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Del Norte County
In Del Norte County, lead originator United Wholesale Mortgage funded 11.9% of 327 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Del Norte County's 701 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Del Norte County's $256,469 average loan (deduped against volume peers).
Lenders active in Del Norte County
United Wholesale Mortgage funded 39 of the 327 loans originated in Del Norte County, 11.9% of the county. 86 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 39 | 11.9% |
| 2 | Fairway Independent Mort CORP | 30 | 9.2% |
| 3 | Rocket Mortgage | 28 | 8.6% |
| 4 | The Loan Store, Inc | 25 | 7.6% |
| 5 | Tri Counties Bank | 18 | 5.5% |
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 Del Norte 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 Del Norte 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.