Tuolumne County
California · FIPS 06109
According to CFPB HMDA 2024 application volume among U.S. counties, Tuolumne County ranks #957 of 3,210, and #43 of 58 in California.
Mortgage lending activity in Tuolumne 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. Tuolumne County, California saw 1,907 HMDA-reported mortgage applications in 2024. Lenders originated 968 of those loans and denied 355, producing a denial rate of 18.6% and an approval (origination) rate of 50.8%. The average loan amount was $255,954 at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 163 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 Tuolumne County
In Tuolumne County, lead originator Fairway Independent Mort CORP funded 15.0% of 968 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 40.3% 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 Tuolumne County's 1,907 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tuolumne County's $255,954 average loan (deduped against volume peers).
Lenders active in Tuolumne County
Fairway Independent Mort CORP funded 145 of the 968 loans originated in Tuolumne County, 15.0% of the county. 163 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Fairway Independent Mort CORP | 145 | 15.0% |
| 2 | United Wholesale Mortgage | 123 | 12.7% |
| 3 | Rocket Mortgage | 122 | 12.6% |
| 4 | American Pacific Mortgage Corporation | 24 | 2.5% |
| 5 | Bank of America NA | 23 | 2.4% |
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 Tuolumne 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 Tuolumne 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.