HMDA 2025
Mortgage lenders in California
Lenders reported 1,142,248 home-loan applications for properties in California in 2025; 569,477 became loans and the denial rate on decided applications was 22.3%. The busiest county was Los Angeles County with 221,487 applications.
Most active lenders across California's counties
- UNITED SHORE FINANCIAL SERVICES, LLC 79,473 applications
- Rocket Mortgage, LLC 59,680 applications
- JPMorgan Chase Bank, National Association 50,331 applications
- Bank of America, National Association 41,200 applications
- PENNYMAC LOAN SERVICES, LLC 34,071 applications
- U.S. Bank National Association 33,612 applications
- NEWREZ LLC 23,580 applications
- SPRING EQ, LLC 22,091 applications
- FIGURE LENDING LLC 18,995 applications
- SCHOOLSFIRST 18,018 applications
- FREEDOM MORTGAGE CORPORATION 17,957 applications
- Loandepot.Com, LLC 16,654 applications
- Wells Fargo Bank, National Association 15,959 applications
- Coastal Community Bank 15,818 applications
- LAKEVIEW LOAN SERVICING, LLC 15,397 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Alameda County | 41,873 | 555 | 20.3% | 9,676 / 8,720 |
| Alpine County | 66 | 42 | 28.3% | 15 / 8 |
| Amador County | 1,784 | 213 | 22.2% | 447 / 281 |
| Butte County | 6,701 | 306 | 21.9% | 1,908 / 970 |
| Calaveras County | 2,622 | 259 | 22.4% | 720 / 369 |
| Colusa County | 517 | 107 | 25.1% | 124 / 83 |
| Contra Costa County | 38,954 | 525 | 21.2% | 8,859 / 7,238 |
| Del Norte County | 779 | 124 | 25.6% | 178 / 104 |
| El Dorado County | 9,079 | 403 | 20.6% | 2,285 / 1,531 |
| Fresno County | 29,585 | 446 | 25.7% | 7,460 / 4,095 |
| Glenn County | 773 | 112 | 25.4% | 193 / 108 |
| Humboldt County | 2,778 | 205 | 19.9% | 813 / 393 |
| Imperial County | 4,037 | 232 | 24.2% | 964 / 636 |
| Inyo County | 532 | 106 | 17.0% | 112 / 81 |
| Kern County | 31,328 | 472 | 22.7% | 8,417 / 3,972 |
| Kings County | 4,822 | 234 | 21.2% | 1,339 / 690 |
| Lake County | 2,538 | 224 | 27.6% | 635 / 339 |
| Lassen County | 838 | 117 | 24.2% | 226 / 119 |
| Los Angeles County | 221,487 | 763 | 24.1% | 42,509 / 42,471 |
| Madera County | 7,005 | 303 | 24.4% | 2,086 / 858 |
| Marin County | 7,499 | 351 | 19.3% | 1,626 / 1,551 |
| Mariposa County | 735 | 153 | 28.9% | 163 / 107 |
| Mendocino County | 1,968 | 212 | 24.7% | 483 / 299 |
| Merced County | 7,630 | 307 | 23.6% | 2,019 / 1,035 |
| Modoc County | 192 | 59 | 27.0% | 50 / 19 |
| Mono County | 856 | 153 | 16.6% | 278 / 147 |
| Monterey County | 9,178 | 370 | 24.3% | 1,812 / 1,783 |
| Napa County | 3,981 | 274 | 22.1% | 836 / 731 |
| Nevada County | 4,758 | 307 | 21.5% | 1,197 / 782 |
| Orange County | 86,651 | 673 | 20.9% | 16,222 / 18,994 |
| Placer County | 20,956 | 469 | 18.7% | 5,716 / 3,272 |
| Plumas County | 891 | 160 | 20.4% | 273 / 101 |
| Riverside County | 103,444 | 714 | 24.4% | 23,710 / 16,353 |
| Sacramento County | 56,166 | 573 | 20.9% | 14,490 / 8,840 |
| San Benito County | 2,291 | 217 | 22.0% | 567 / 329 |
| San Bernardino County | 77,329 | 630 | 24.3% | 17,195 / 12,170 |
| San Diego County | 103,767 | 708 | 22.0% | 21,384 / 20,234 |
| San Francisco County | 14,163 | 415 | 16.4% | 4,181 / 2,822 |
| San Joaquin County | 28,724 | 458 | 23.5% | 7,321 / 4,134 |
| San Luis Obispo County | 9,439 | 368 | 20.6% | 2,088 / 1,697 |
| San Mateo County | 17,249 | 402 | 17.5% | 4,231 / 3,948 |
| Santa Barbara County | 10,617 | 392 | 21.8% | 2,195 / 2,191 |
| Santa Clara County | 45,843 | 513 | 17.9% | 10,713 / 10,892 |
| Santa Cruz County | 6,271 | 313 | 19.8% | 1,343 / 1,423 |
| Shasta County | 7,527 | 297 | 22.4% | 1,866 / 975 |
| Sierra County | 123 | 51 | 34.5% | 19 / 22 |
| Siskiyou County | 1,438 | 181 | 23.3% | 375 / 200 |
| Solano County | 16,864 | 420 | 22.9% | 4,108 / 2,603 |
| Sonoma County | 14,723 | 392 | 18.6% | 3,542 / 2,655 |
| Stanislaus County | 16,701 | 379 | 24.4% | 4,079 / 2,405 |
| Sutter County | 2,837 | 207 | 24.3% | 627 / 471 |
| Tehama County | 2,097 | 182 | 24.9% | 490 / 290 |
| Trinity County | 346 | 92 | 31.6% | 81 / 39 |
| Tulare County | 14,368 | 341 | 22.9% | 3,845 / 1,992 |
| Tuolumne County | 2,268 | 239 | 22.6% | 647 / 310 |
| Ventura County | 24,690 | 479 | 21.2% | 5,201 / 4,476 |
| Yolo County | 5,343 | 318 | 20.5% | 1,393 / 898 |
| Yuba County | 4,227 | 243 | 21.7% | 1,258 / 528 |