San Benito County
California · FIPS 06069
According to CFPB HMDA 2024 application volume among U.S. counties, San Benito County ranks #845 of 3,210, and #40 of 58 in California.
Mortgage lending activity in San Benito 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. San Benito County, California saw 2,333 HMDA-reported mortgage applications in 2024. Lenders originated 1,132 of those loans and denied 382, producing a denial rate of 16.4% and an approval (origination) rate of 48.5%. The average loan amount was $488,330 at an average note rate of 7.13%, with applicants self-reporting average annual income of $41K. 163 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.9x, meaning typical borrowers took on mortgages of about 11.9 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 San Benito County
In San Benito County, lead originator United Wholesale Mortgage funded only 8.2% of 1,132 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to San Benito County's 2,333 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Benito County's $488,330 average loan (deduped against volume peers).
Lenders active in San Benito County
United Wholesale Mortgage funded 93 of the 1,132 loans originated in San Benito County, 8.2% of the county. 163 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 93 | 8.2% |
| 2 | Rocket Mortgage | 77 | 6.8% |
| 3 | Kbhs Home Loans, LLC | 61 | 5.4% |
| 4 | Premier Mortgage Resources, LLC | 58 | 5.1% |
| 5 | Lennar Mortgage, LLC | 51 | 4.5% |
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 San Benito 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 San Benito 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.