Glenn County
California · FIPS 06021
According to CFPB HMDA 2024 application volume among U.S. counties, Glenn County ranks #1,833 of 3,210, and #51 of 58 in California.
Mortgage lending activity in Glenn 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. Glenn County, California saw 626 HMDA-reported mortgage applications in 2024. Lenders originated 318 of those loans and denied 115, producing a denial rate of 18.4% and an approval (origination) rate of 50.8%. The average loan amount was $220,112 at an average note rate of 7.28%, with applicants self-reporting average annual income of $38K. 78 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 Glenn County
In Glenn County, lead originator Change Lending, LLC funded 12.6% of 318 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.1% 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 Glenn County's 626 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Glenn County's $220,112 average loan (deduped against volume peers).
Lenders active in Glenn County
Change Lending, LLC funded 40 of the 318 loans originated in Glenn County, 12.6% of the county. 78 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Change Lending, LLC | 40 | 12.6% |
| 2 | Tri Counties Bank | 34 | 10.7% |
| 3 | United Wholesale Mortgage | 25 | 7.9% |
| 4 | Umpqua Bank | 21 | 6.6% |
| 5 | Mason-McDuffie Mortgage Corporation | 16 | 5.0% |
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 Glenn 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 Glenn 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.