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2024 data HMDA 2024 disclosure official source

Shasta County

6,433 mortgage applications, 15.7% denial rate. Verify FIPS 06089 with U.S. Census Bureau →

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California · FIPS 06089

Local mortgage market. Shasta County, California saw 6,433 HMDA-reported mortgage applications in 2024. Lenders originated 3,089 of those loans and denied 1,009, producing a denial rate of 15.7% and an approval (origination) rate of 48.0%. The average loan amount was $250,514 at an average note rate of 7.11%, with applicants self-reporting average annual income of $39K. 214 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 06089 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,433
Applications
3,089
Originated
15.7%
Denial Rate
48.0%
Approval Rate
$250,514
Avg Loan Amount
7.11%
Avg Interest Rate
$39K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Shasta 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 American Pacific Mortgage Corporation 199 6.4%
2 Rocket Mortgage 195 6.3%
3 United Wholesale Mortgage 183 5.9%
4 PRIMELENDING 167 5.4%
5 Tri Counties Bank 150 4.9%
Compare American Pacific Mortgage Corporation vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Shasta County?
In the 2024 HMDA reporting year, 6,433 mortgage applications were filed in Shasta County, California. Of these, 3,089 were originated (approved and funded), while 1,009 were denied, resulting in a denial rate of 15.7%.
What is the mortgage denial rate in Shasta County?
The mortgage denial rate in Shasta County is 15.7%. The approval (origination) rate is 48.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Shasta County?
The average mortgage loan amount in Shasta County is $250,514. The average interest rate is 7.107%. The average applicant income is $39K.
What is the loan-to-income ratio in Shasta County?
The average loan-to-income ratio in Shasta County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Shasta County?
The top mortgage lenders in Shasta County by origination volume are American Pacific Mortgage Corporation, Rocket Mortgage, United Wholesale Mortgage. In total, 214 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.