San Diego County
California · FIPS 06073
According to CFPB HMDA 2024 application volume among U.S. counties, San Diego County ranks #7 of 3,210, and #3 of 58 in California.
Mortgage lending activity in San Diego 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 Diego County, California saw 92,449 HMDA-reported mortgage applications in 2024. Lenders originated 46,550 of those loans and denied 16,455, producing a denial rate of 17.8% and an approval (origination) rate of 50.4%. The average loan amount was $569,471 at an average note rate of 7.42%, with applicants self-reporting average annual income of $40K. 606 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 14.2x, meaning typical borrowers took on mortgages of about 14.2 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 Diego County
In San Diego County, lead originator United Wholesale Mortgage funded 14.3% of 46,550 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to San Diego County's 92,449 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Diego County's $569,471 average loan (deduped against volume peers).
Lenders active in San Diego County
United Wholesale Mortgage funded 6,661 of the 46,550 loans originated in San Diego County, 14.3% of the county. 606 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 6,661 | 14.3% |
| 2 | Rocket Mortgage | 3,301 | 7.1% |
| 3 | Navy Federal Credit Union | 2,345 | 5.0% |
| 4 | Us Bank, N.A. | 1,784 | 3.8% |
| 5 | Mission Federal Credit Union | 1,600 | 3.4% |
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 Diego 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 Diego 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.