PLAZA HOME MORTGAGE, INC
SAN DIEGO, CA
PLAZA HOME MORTGAGE, INC processed 29,671 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 14,083 loans with a 19.1% denial rate. Home Purchase was the primary loan purpose. Based in SAN DIEGO, CA. The approval rate of 47.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. PLAZA HOME MORTGAGE, INC processed 29,671 HMDA-reported mortgage applications in 2024, originating 14,083 loans and denying 5,675 for a denial rate of 19.1% (applicants themselves withdrew 2,432 files before a decision). The average loan amount was $325,875 at a 6.882% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 549300JYXTZDSPJEPI44 from SAN DIEGO, CA.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. PLAZA HOME MORTGAGE, INC's 47.5% origination rate tells you how often an application turned into funded money; the 19.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (16,212 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 16,212 | 8,349 | 2,944 | $327,729 |
| FHA | 8,853 | 4,261 | 2,055 | $310,553 |
| VA | 4,240 | 1,252 | 603 | $361,719 |
| USDA | 366 | 221 | 73 | $199,153 |
Top loan types — PLAZA HOME MORTGAGE, INC
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for PLAZA HOME MORTGAGE, INC (LEI: 549300JYXTZDSPJEPI44) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 21,151 | 10,886 | $326,259 |
| Cash-out Refinancing | 6,415 | 2,299 | $302,779 |
| Refinancing | 2,104 | 898 | $392,514 |
| Other | 1 | 0 | $165,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 14,351 | 65.6% | 20.9% |
| Black or African American | 2,774 | 47.8% | 32.7% |
| Asian | 1,172 | 61.3% | 23.3% |
| Joint | 412 | 61.2% | 23.1% |
| American Indian or Alaska Native | 138 | 58.7% | 18.1% |
| Native Hawaiian or Other Pacific Islander | 50 | 52.0% | 34.0% |
| 2 or more minority races | 12 | 25.0% | 58.3% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 15,214 | 63.0% | 22.4% |
| Hispanic or Latino | 3,387 | 59.6% | 26.2% |
| Joint | 470 | 63.2% | 21.5% |
Nearby Lenders in CA
Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.
PENNYMAC LOAN SERVICES LLC
WESTLAKE VILLAGE, CA
Bank of America NA
Westlake Village, CA
AmeriHome Mortgage Company, LLC
Thousand Oaks, CA
LOANDEPOT.COM, LLC
IRVINE, CA
NEW AMERICAN FUNDING, LLC.
TUSTIN, CA
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did PLAZA HOME MORTGAGE, INC process?
What is PLAZA HOME MORTGAGE, INC's mortgage approval rate?
What is the average loan amount at PLAZA HOME MORTGAGE, INC?
What are the most common reasons for mortgage denial at PLAZA HOME MORTGAGE, INC?
What types of mortgage loans does PLAZA HOME MORTGAGE, INC offer?
What loan purposes does PLAZA HOME MORTGAGE, INC serve?
Where is PLAZA HOME MORTGAGE, INC located?
How does PLAZA HOME MORTGAGE, INC compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.