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2024 data HMDA 2024 disclosure official source

Marin County

6,045 mortgage applications, 15.9% denial rate. Verify FIPS 06041 with U.S. Census Bureau →

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California · FIPS 06041

Local mortgage market. Marin County, California saw 6,045 HMDA-reported mortgage applications in 2024. Lenders originated 3,363 of those loans and denied 963, producing a denial rate of 15.9% and an approval (origination) rate of 55.6%. The average loan amount was $773,404 at an average note rate of 7.33%, with applicants self-reporting average annual income of $38K. 253 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 20.4x, meaning typical borrowers took on mortgages of about 20.4 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 06041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,045
Applications
3,363
Originated
15.9%
Denial Rate
55.6%
Approval Rate
$773,404
Avg Loan Amount
7.33%
Avg Interest Rate
$38K
Avg Applicant Income
20.4x
Loan-to-Income Ratio

Nearby Lenders in Marin 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 Redwood Credit Union 263 7.8%
2 Wells Fargo Bank NA 217 6.5%
3 Rocket Mortgage 193 5.7%
4 Bank of America NA 192 5.7%
5 United Wholesale Mortgage 180 5.4%
Compare Redwood Credit Union vs Wells Fargo Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Marin County?
In the 2024 HMDA reporting year, 6,045 mortgage applications were filed in Marin County, California. Of these, 3,363 were originated (approved and funded), while 963 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Marin County?
The mortgage denial rate in Marin County is 15.9%. The approval (origination) rate is 55.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marin County?
The average mortgage loan amount in Marin County is $773,404. The average interest rate is 7.326%. The average applicant income is $38K.
What is the loan-to-income ratio in Marin County?
The average loan-to-income ratio in Marin County is 20.4x, meaning borrowers took on loans averaging 20.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marin County?
The top mortgage lenders in Marin County by origination volume are Redwood Credit Union, Wells Fargo Bank NA, Rocket Mortgage. In total, 253 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.