CA · Statewide HMDA 2024
California mortgage lending
According to the CFPB HMDA 2024 Snapshot, 992 reporting lenders · 58 counties · 28 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, California ranks #3 of 54 by application volume but #39 of 52 states with 10,000+ applications on origination share (49.7%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #39
- Origination-share rank of 52
- 49.7%
- Origination share
- 509,394
- Originated
- 17.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
1,024,266reported applications
CFPB HMDA state filing plate
State CA · California 17.6% denial
VOL-MEGA · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MEGA #3/54
- DEN-MID 17.6%
- PHOTO-FINISH Delaware
- ORIG-FLOOR 49.7%
- BOOK-FULL 992 lenders
- LEAD-MIX 11% top
Photo-finish peer: Delaware · 17.6% denial (+0.0pp vs California)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · California
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for California: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (17.6% here).
Similar application volume
Nearest states by HMDA applications filed (1,024,266 here).
Top lenders by originations · California
Funded loans among HMDA-reporting institutions active in this state.
Where California sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
1,024,266 Top 6% higher than 94% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · California
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. California filed 1,024,266 HMDA-reported applications in 2024 (#3 of 54 by volume) with a 17.6% denial rate - near the national 17.2% baseline. White applicants (446,446 apps) show 18.6% denial; Asian applicants (154,003 apps) show 16.7% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in California
Top HMDA-reporting lenders active in California. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 55,408 | 10.9% |
| 2 | Rocket Mortgage | 37,412 | 7.3% |
| 3 | Us Bank, N.A. | 16,584 | 3.3% |
| 4 | Bank of America NA | 16,248 | 3.2% |
| 5 | Schoolsfirst FCU | 12,403 | 2.4% |
Reported outcomes by applicant race in California
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 446,446 | 56.8% | 18.6% |
| Asian | 154,003 | 56.2% | 16.7% |
| Black or African American | 39,303 | 46.1% | 25.8% |
| Joint | 28,643 | 63.1% | 14.2% |
| American Indian or Alaska Native | 8,821 | 46.1% | 26.4% |
| Native Hawaiian or Other Pacific Islander | 4,205 | 45.6% | 27.2% |
| 2 or more minority races | 2,820 | 47.5% | 26.3% |
Every county in California, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Los Angeles County | 199,303 | 94,659 | 19.2% | $603,012 |
| Riverside County | 99,004 | 47,106 | 18.3% | $383,016 |
| San Diego County | 92,449 | 46,550 | 17.8% | $569,471 |
| Orange County | 74,094 | 39,024 | 16.8% | $661,167 |
| San Bernardino County | 72,525 | 33,497 | 19.0% | $331,752 |
| Sacramento County | 50,869 | 26,101 | 16.2% | $357,532 |
| Santa Clara County | 38,038 | 21,169 | 14.5% | $909,509 |
| Alameda County | 36,330 | 19,267 | 15.3% | $669,268 |
| Contra Costa County | 34,282 | 17,775 | 16.9% | $526,073 |
| Kern County | 28,510 | 13,645 | 17.5% | $265,913 |
| Fresno County | 27,307 | 13,008 | 19.9% | $290,366 |
| San Joaquin County | 26,780 | 13,001 | 17.6% | $366,913 |
| Ventura County | 21,390 | 10,992 | 17.5% | $489,635 |
| Placer County | 18,341 | 10,040 | 14.5% | $434,041 |
| Solano County | 15,279 | 7,684 | 17.2% | $369,277 |
| Stanislaus County | 15,191 | 7,263 | 18.7% | $311,366 |
| San Mateo County | 13,352 | 7,568 | 14.9% | $965,594 |
| Sonoma County | 12,518 | 6,716 | 14.8% | $508,879 |
| Tulare County | 11,926 | 5,716 | 18.5% | $256,248 |
| San Francisco County | 11,333 | 6,245 | 14.4% | $898,021 |
| Santa Barbara County | 8,902 | 4,528 | 18.2% | $595,042 |
| San Luis Obispo County | 8,034 | 4,193 | 17.4% | $468,880 |
| Monterey County | 7,818 | 3,794 | 19.5% | $491,779 |
| El Dorado County | 7,612 | 4,065 | 16.2% | $391,419 |
| Merced County | 7,208 | 3,449 | 17.7% | $288,270 |
| Madera County | 6,458 | 3,114 | 18.3% | $300,167 |
| Shasta County | 6,433 | 3,089 | 15.7% | $250,514 |
| Marin County | 6,045 | 3,363 | 15.9% | $773,404 |
| Butte County | 5,543 | 2,835 | 16.2% | $271,778 |
| Santa Cruz County | 5,082 | 2,661 | 16.8% | $615,175 |
| Yolo County | 4,868 | 2,713 | 14.5% | $418,564 |
| Kings County | 4,595 | 2,230 | 16.6% | $272,758 |
| Nevada County | 3,969 | 2,103 | 16.5% | $373,186 |
| Yuba County | 3,722 | 1,821 | 15.2% | $317,595 |
| Imperial County | 3,618 | 1,723 | 18.9% | $250,180 |
| Napa County | 3,462 | 1,806 | 18.1% | $520,465 |
| Sutter County | 2,547 | 1,287 | 18.4% | $273,123 |
| Lake County | 2,438 | 1,101 | 20.6% | $239,323 |
| Humboldt County | 2,334 | 1,132 | 19.1% | $265,947 |
| San Benito County | 2,333 | 1,132 | 16.4% | $488,330 |
| Calaveras County | 2,207 | 1,097 | 18.3% | $284,098 |
| Tehama County | 1,943 | 939 | 17.6% | $231,881 |
| Tuolumne County | 1,907 | 968 | 18.6% | $255,954 |
| Amador County | 1,696 | 840 | 18.5% | $272,618 |
| Mendocino County | 1,668 | 819 | 19.5% | $329,820 |
| Siskiyou County | 1,101 | 538 | 18.8% | $206,045 |
| Del Norte County | 701 | 327 | 19.5% | $256,469 |
| Lassen County | 697 | 310 | 16.5% | $181,600 |
| Mono County | 684 | 369 | 16.2% | $535,775 |
| Plumas County | 672 | 374 | 15.5% | $262,024 |
| Glenn County | 626 | 318 | 18.4% | $220,112 |
| Mariposa County | 622 | 283 | 20.6% | $282,669 |
| Colusa County | 396 | 193 | 23.5% | $255,732 |
| Inyo County | 376 | 180 | 16.2% | $282,926 |
| Trinity County | 317 | 147 | 18.9% | $209,763 |
| Modoc County | 170 | 70 | 23.5% | $176,235 |
| Sierra County | 97 | 49 | 23.7% | $222,526 |
| Alpine County | 65 | 35 | 15.4% | $358,538 |
Metro Areas in California
Frequently Asked Questions
How many mortgage applications were filed in California?
Where does California sit among U.S. states for mortgage volume?
What is the mortgage denial rate in California?
What is the average mortgage loan amount in California?
How many mortgage lenders operate in California?
How do mortgage denial rates vary by demographics in California?
Which counties in California have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.