Orange County
California · FIPS 06059
According to CFPB HMDA 2024 application volume among U.S. counties, Orange County ranks #11 of 3,210, and #4 of 58 in California.
Mortgage lending activity in Orange 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. Orange County, California saw 74,094 HMDA-reported mortgage applications in 2024. Lenders originated 39,024 of those loans and denied 12,449, producing a denial rate of 16.8% and an approval (origination) rate of 52.7%. The average loan amount was $661,167 at an average note rate of 7.49%, with applicants self-reporting average annual income of $40K. 592 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 16.5x, meaning typical borrowers took on mortgages of about 16.5 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 Orange County
In Orange County, lead originator Schoolsfirst FCU funded only 10.8% of 39,024 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 27.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Orange County's 74,094 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Orange County's $661,167 average loan (deduped against volume peers).
Lenders active in Orange County
Schoolsfirst FCU funded 4,207 of the 39,024 loans originated in Orange County, 10.8% of the county. 592 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Schoolsfirst FCU | 4,207 | 10.8% |
| 2 | United Wholesale Mortgage | 3,702 | 9.5% |
| 3 | Rocket Mortgage | 2,744 | 7.0% |
| 4 | Us Bank, N.A. | 1,969 | 5.0% |
| 5 | Bank of America NA | 1,643 | 4.2% |
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 Orange 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 Orange 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.