Mono County
California · FIPS 06051
According to CFPB HMDA 2024 application volume among U.S. counties, Mono County ranks #1,761 of 3,210, and #49 of 58 in California.
Mortgage lending activity in Mono County, California based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Mono County
In Mono County, lead originator Crosscountry Mortgage, LLC funded 29.0% of 369 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Mono County's 684 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Mono County's $535,775 average loan (deduped against volume peers).
Lenders active in Mono County
Crosscountry Mortgage, LLC funded 107 of the 369 loans originated in Mono County, 29.0% of the county. 105 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Mono County borrowers.
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 Mono County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.