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2024 data HMDA 2024 disclosure official source

Lassen County

697 mortgage applications, 16.5% denial rate. Verify FIPS 06035 with U.S. Census Bureau →

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California · FIPS 06035

Local mortgage market. Lassen County, California saw 697 HMDA-reported mortgage applications in 2024. Lenders originated 310 of those loans and denied 115, producing a denial rate of 16.5% and an approval (origination) rate of 44.5%. The average loan amount was $181,600 at an average note rate of 7.16%, with applicants self-reporting average annual income of $37K. 66 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 06035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

697
Applications
310
Originated
16.5%
Denial Rate
44.5%
Approval Rate
$181,600
Avg Loan Amount
7.16%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Lassen 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 Axia Financial LLC 35 11.3%
2 Rocket Mortgage 34 11.0%
3 Planet Home Lending, LLC 19 6.1%
4 United Wholesale Mortgage 18 5.8%
5 Summit Funding.Inc 16 5.2%
Compare Axia Financial LLC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lassen County?
In the 2024 HMDA reporting year, 697 mortgage applications were filed in Lassen County, California. Of these, 310 were originated (approved and funded), while 115 were denied, resulting in a denial rate of 16.5%.
What is the mortgage denial rate in Lassen County?
The mortgage denial rate in Lassen County is 16.5%. The approval (origination) rate is 44.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lassen County?
The average mortgage loan amount in Lassen County is $181,600. The average interest rate is 7.159%. The average applicant income is $37K.
What is the loan-to-income ratio in Lassen County?
The average loan-to-income ratio in Lassen County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lassen County?
The top mortgage lenders in Lassen County by origination volume are Axia Financial LLC, Rocket Mortgage, Planet Home Lending, LLC. In total, 66 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.