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2024 data HMDA 2024 disclosure official source

Tuolumne County

1,907 mortgage applications, 18.6% denial rate. Verify FIPS 06109 with U.S. Census Bureau →

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California · FIPS 06109

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.

FIPS 06109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,907
Applications
968
Originated
18.6%
Denial Rate
50.8%
Approval Rate
$255,954
Avg Loan Amount
7.26%
Avg Interest Rate
$38K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Tuolumne 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 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%
Compare Fairway Independent Mort CORP vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Tuolumne County?
In the 2024 HMDA reporting year, 1,907 mortgage applications were filed in Tuolumne County, California. Of these, 968 were originated (approved and funded), while 355 were denied, resulting in a denial rate of 18.6%.
What is the mortgage denial rate in Tuolumne County?
The mortgage denial rate in Tuolumne County is 18.6%. The approval (origination) rate is 50.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Tuolumne County?
The average mortgage loan amount in Tuolumne County is $255,954. The average interest rate is 7.258%. The average applicant income is $38K.
What is the loan-to-income ratio in Tuolumne County?
The average loan-to-income ratio in Tuolumne County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Tuolumne County?
The top mortgage lenders in Tuolumne County by origination volume are Fairway Independent Mort CORP, United Wholesale Mortgage, Rocket Mortgage. In total, 163 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.