El Dorado County
California · FIPS 06017
According to CFPB HMDA 2024 application volume among U.S. counties, El Dorado County ranks #369 of 3,210, and #24 of 58 in California.
Mortgage lending activity in El Dorado 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. El Dorado County, California saw 7,612 HMDA-reported mortgage applications in 2024. Lenders originated 4,065 of those loans and denied 1,234, producing a denial rate of 16.2% and an approval (origination) rate of 53.4%. The average loan amount was $391,419 at an average note rate of 7.34%, with applicants self-reporting average annual income of $38K. 312 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.3x, meaning typical borrowers took on mortgages of about 10.3 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 El Dorado County
In El Dorado County, lead originator United Wholesale Mortgage funded 14.4% of 4,065 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.2% 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 El Dorado County's 7,612 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to El Dorado County's $391,419 average loan (deduped against volume peers).
Lenders active in El Dorado County
United Wholesale Mortgage funded 584 of the 4,065 loans originated in El Dorado County, 14.4% of the county. 312 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 584 | 14.4% |
| 2 | Rocket Mortgage | 365 | 9.0% |
| 3 | The Golden 1 Credit Union | 155 | 3.8% |
| 4 | Schoolsfirst FCU | 144 | 3.5% |
| 5 | Us Bank, N.A. | 139 | 3.4% |
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 El Dorado 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 El Dorado 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.