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2024 data HMDA 2024 disclosure official source

San Diego County

92,449 mortgage applications, 17.8% denial rate. Verify FIPS 06073 with U.S. Census Bureau →

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California · FIPS 06073

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.

FIPS 06073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

92,449
Applications
46,550
Originated
17.8%
Denial Rate
50.4%
Approval Rate
$569,471
Avg Loan Amount
7.42%
Avg Interest Rate
$40K
Avg Applicant Income
14.2x
Loan-to-Income Ratio

Nearby Lenders in San Diego 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 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%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in San Diego County?
In the 2024 HMDA reporting year, 92,449 mortgage applications were filed in San Diego County, California. Of these, 46,550 were originated (approved and funded), while 16,455 were denied, resulting in a denial rate of 17.8%.
What is the mortgage denial rate in San Diego County?
The mortgage denial rate in San Diego County is 17.8%. The approval (origination) rate is 50.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in San Diego County?
The average mortgage loan amount in San Diego County is $569,471. The average interest rate is 7.415%. The average applicant income is $40K.
What is the loan-to-income ratio in San Diego County?
The average loan-to-income ratio in San Diego County is 14.2x, meaning borrowers took on loans averaging 14.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in San Diego County?
The top mortgage lenders in San Diego County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Navy Federal Credit Union. In total, 606 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.