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2024 data HMDA 2024 disclosure official source

Siskiyou County

1,101 mortgage applications, 18.8% denial rate. Verify FIPS 06093 with U.S. Census Bureau →

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California · FIPS 06093

Local mortgage market. Siskiyou County, California saw 1,101 HMDA-reported mortgage applications in 2024. Lenders originated 538 of those loans and denied 207, producing a denial rate of 18.8% and an approval (origination) rate of 48.9%. The average loan amount was $206,045 at an average note rate of 7.27%, with applicants self-reporting average annual income of $37K. 126 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 06093 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,101
Applications
538
Originated
18.8%
Denial Rate
48.9%
Approval Rate
$206,045
Avg Loan Amount
7.27%
Avg Interest Rate
$37K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Siskiyou 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 Land Home Financial Services, 69 12.8%
2 Tri Counties Bank 54 10.0%
3 Rocket Mortgage 42 7.8%
4 United Wholesale Mortgage 32 5.9%
5 Banner Bank 31 5.8%
Compare Land Home Financial Services, vs Tri Counties Bank →

Frequently Asked Questions

How many mortgage applications were filed in Siskiyou County?
In the 2024 HMDA reporting year, 1,101 mortgage applications were filed in Siskiyou County, California. Of these, 538 were originated (approved and funded), while 207 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Siskiyou County?
The mortgage denial rate in Siskiyou County is 18.8%. The approval (origination) rate is 48.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Siskiyou County?
The average mortgage loan amount in Siskiyou County is $206,045. The average interest rate is 7.274%. The average applicant income is $37K.
What is the loan-to-income ratio in Siskiyou County?
The average loan-to-income ratio in Siskiyou County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Siskiyou County?
The top mortgage lenders in Siskiyou County by origination volume are Land Home Financial Services,, Tri Counties Bank, Rocket Mortgage. In total, 126 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.