Shasta County
California · FIPS 06089
According to CFPB HMDA 2024 application volume among U.S. counties, Shasta County ranks #416 of 3,210, and #27 of 58 in California.
Mortgage lending activity in Shasta 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Shasta County
In Shasta County, lead originator American Pacific Mortgage Corporation funded only 6.4% of 3,089 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Shasta County's 6,433 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Shasta County's $250,514 average loan (deduped against volume peers).
Lenders active in Shasta County
American Pacific Mortgage Corporation funded 199 of the 3,089 loans originated in Shasta County, 6.4% of the county. 214 lenders reported activity here.
| # | 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% |
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 Shasta 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 Shasta 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.