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2024 data HMDA 2024 disclosure official source

Yolo County

4,868 mortgage applications, 14.5% denial rate. Verify FIPS 06113 with U.S. Census Bureau →

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California · FIPS 06113

Local mortgage market. Yolo County, California saw 4,868 HMDA-reported mortgage applications in 2024. Lenders originated 2,713 of those loans and denied 705, producing a denial rate of 14.5% and an approval (origination) rate of 55.7%. The average loan amount was $418,564 at an average note rate of 7.13%, with applicants self-reporting average annual income of $38K. 249 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 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 06113 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,868
Applications
2,713
Originated
14.5%
Denial Rate
55.7%
Approval Rate
$418,564
Avg Loan Amount
7.13%
Avg Interest Rate
$38K
Avg Applicant Income
11.0x
Loan-to-Income Ratio

Nearby Lenders in Yolo 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 United Wholesale Mortgage 406 15.0%
2 Rocket Mortgage 210 7.7%
3 Lennar Mortgage, LLC 162 6.0%
4 The Golden 1 Credit Union 139 5.1%
5 Loandepot.Com, LLC 134 4.9%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Yolo County?
In the 2024 HMDA reporting year, 4,868 mortgage applications were filed in Yolo County, California. Of these, 2,713 were originated (approved and funded), while 705 were denied, resulting in a denial rate of 14.5%.
What is the mortgage denial rate in Yolo County?
The mortgage denial rate in Yolo County is 14.5%. The approval (origination) rate is 55.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Yolo County?
The average mortgage loan amount in Yolo County is $418,564. The average interest rate is 7.130%. The average applicant income is $38K.
What is the loan-to-income ratio in Yolo County?
The average loan-to-income ratio in Yolo County is 11.0x, meaning borrowers took on loans averaging 11.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Yolo County?
The top mortgage lenders in Yolo County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Lennar Mortgage, LLC. In total, 249 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.