PlainLender
2024 data HMDA 2024 disclosure official source

Mono County

684 mortgage applications, 16.2% denial rate. Verify FIPS 06051 with U.S. Census Bureau →

PlainLender home → About this data

California · FIPS 06051

Local mortgage market. Mono County, California saw 684 HMDA-reported mortgage applications in 2024. Lenders originated 369 of those loans and denied 111, producing a denial rate of 16.2% and an approval (origination) rate of 53.9%. The average loan amount was $535,775 at an average note rate of 7.27%, with applicants self-reporting average annual income of $37K. 105 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 14.5x, meaning typical borrowers took on mortgages of about 14.5 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 06051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

684
Applications
369
Originated
16.2%
Denial Rate
53.9%
Approval Rate
$535,775
Avg Loan Amount
7.27%
Avg Interest Rate
$37K
Avg Applicant Income
14.5x
Loan-to-Income Ratio

Nearby Lenders in Mono 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 107 29.0%
2 United Wholesale Mortgage 31 8.4%
3 Us Bank, N.A. 19 5.1%
4 Rocket Mortgage 18 4.9%
5 American Pacific Mortgage Corporation 15 4.1%
Compare Crosscountry Mortgage, LLC vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Mono County?
In the 2024 HMDA reporting year, 684 mortgage applications were filed in Mono County, California. Of these, 369 were originated (approved and funded), while 111 were denied, resulting in a denial rate of 16.2%.
What is the mortgage denial rate in Mono County?
The mortgage denial rate in Mono County is 16.2%. The approval (origination) rate is 53.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Mono County?
The average mortgage loan amount in Mono County is $535,775. The average interest rate is 7.266%. The average applicant income is $37K.
What is the loan-to-income ratio in Mono County?
The average loan-to-income ratio in Mono County is 14.5x, meaning borrowers took on loans averaging 14.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Mono County?
The top mortgage lenders in Mono County by origination volume are Crosscountry Mortgage, LLC, United Wholesale Mortgage, Us Bank, N.A.. In total, 105 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.