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2024 data HMDA 2024 disclosure official source

Modoc County

170 mortgage applications, 23.5% denial rate. Verify FIPS 06049 with U.S. Census Bureau →

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California · FIPS 06049

Local mortgage market. Modoc County, California saw 170 HMDA-reported mortgage applications in 2024. Lenders originated 70 of those loans and denied 40, producing a denial rate of 23.5% and an approval (origination) rate of 41.2%. The average loan amount was $176,235 at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 34 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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.

FIPS 06049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

170
Applications
70
Originated
23.5%
Denial Rate
41.2%
Approval Rate
$176,235
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Modoc 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 Crosscountry Mortgage, LLC 14 20.0%
2 American Pacific Mortgage Corporation 10 14.3%
3 Us Bank, N.A. 4 5.7%
4 Fairway Independent Mort CORP 4 5.7%
5 Freedom Mortgage Corporation 3 4.3%
Compare Crosscountry Mortgage, LLC vs American Pacific Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Modoc County?
In the 2024 HMDA reporting year, 170 mortgage applications were filed in Modoc County, California. Of these, 70 were originated (approved and funded), while 40 were denied, resulting in a denial rate of 23.5%.
What is the mortgage denial rate in Modoc County?
The mortgage denial rate in Modoc County is 23.5%. The approval (origination) rate is 41.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Modoc County?
The average mortgage loan amount in Modoc County is $176,235. The average interest rate is 7.123%. The average applicant income is $37K.
What is the loan-to-income ratio in Modoc County?
The average loan-to-income ratio in Modoc County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Modoc County?
The top mortgage lenders in Modoc County by origination volume are Crosscountry Mortgage, LLC, American Pacific Mortgage Corporation, Us Bank, N.A.. In total, 34 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.