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2024 data HMDA 2024 disclosure official source

Imperial County

3,618 mortgage applications, 18.9% denial rate. Verify FIPS 06025 with U.S. Census Bureau →

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California · FIPS 06025

Local mortgage market. Imperial County, California saw 3,618 HMDA-reported mortgage applications in 2024. Lenders originated 1,723 of those loans and denied 682, producing a denial rate of 18.9% and an approval (origination) rate of 47.6%. The average loan amount was $250,180 at an average note rate of 6.90%, with applicants self-reporting average annual income of $40K. 155 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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.

FIPS 06025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,618
Applications
1,723
Originated
18.9%
Denial Rate
47.6%
Approval Rate
$250,180
Avg Loan Amount
6.90%
Avg Interest Rate
$40K
Avg Applicant Income
6.3x
Loan-to-Income Ratio

Nearby Lenders in Imperial 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 223 12.9%
2 Rocket Mortgage 134 7.8%
3 PRIMELENDING 128 7.4%
4 Efinity Financial LLC 106 6.2%
5 Wallick and Volk, INC. 91 5.3%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Imperial County?
In the 2024 HMDA reporting year, 3,618 mortgage applications were filed in Imperial County, California. Of these, 1,723 were originated (approved and funded), while 682 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Imperial County?
The mortgage denial rate in Imperial County is 18.9%. The approval (origination) rate is 47.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Imperial County?
The average mortgage loan amount in Imperial County is $250,180. The average interest rate is 6.899%. The average applicant income is $40K.
What is the loan-to-income ratio in Imperial County?
The average loan-to-income ratio in Imperial County is 6.3x, meaning borrowers took on loans averaging 6.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Imperial County?
The top mortgage lenders in Imperial County by origination volume are United Wholesale Mortgage, Rocket Mortgage, PRIMELENDING. In total, 155 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.