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2024 data HMDA 2024 disclosure official source

Orange County

74,094 mortgage applications, 16.8% denial rate. Verify FIPS 06059 with U.S. Census Bureau →

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California · FIPS 06059

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.

FIPS 06059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

74,094
Applications
39,024
Originated
16.8%
Denial Rate
52.7%
Approval Rate
$661,167
Avg Loan Amount
7.49%
Avg Interest Rate
$40K
Avg Applicant Income
16.5x
Loan-to-Income Ratio

Nearby Lenders in Orange 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 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%
Compare Schoolsfirst FCU vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Orange County?
In the 2024 HMDA reporting year, 74,094 mortgage applications were filed in Orange County, California. Of these, 39,024 were originated (approved and funded), while 12,449 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Orange County?
The mortgage denial rate in Orange County is 16.8%. The approval (origination) rate is 52.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Orange County?
The average mortgage loan amount in Orange County is $661,167. The average interest rate is 7.487%. The average applicant income is $40K.
What is the loan-to-income ratio in Orange County?
The average loan-to-income ratio in Orange County is 16.5x, meaning borrowers took on loans averaging 16.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Orange County?
The top mortgage lenders in Orange County by origination volume are Schoolsfirst FCU, United Wholesale Mortgage, Rocket Mortgage. In total, 592 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.