Mortgage lending in Contra Costa County, California
Lenders in Contra Costa County, California reported 34,496 mortgage applications for 2025, according to the CFPB.
34,496 mortgage applications and 19,933 loans originated in 2025; the denial rate was 21.2% of 26,934 applications decided. The median loan was about $505,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Oakland-Fremont, CA HUD Metro FMR Area.
- 34,496
- Applications
- 19,933
- Loans originated
- 21.2%
- Denial rate
- 5,702 denied of 26,934 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 34,496 | 19,933 |
| 2024 | 31,111 | 17,828 |
| 2023 | 27,262 | 15,291 |
| 2022 | 50,191 | 30,168 |
| 2021 | 122,613 | 82,841 |
| 2020 | 127,264 | 83,957 |
| 2019 | 74,641 | 47,281 |
| 2018 | 57,968 | 34,475 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,816 | 2,447 |
| Rocket Mortgage | 1,644 | 2,283 |
| Bank of America NA | 951 | 1,929 |
| Crosscountry Mortgage, LLC | 748 | 1,005 |
| US Bank, N.A. | 681 | 1,203 |
| JPMorgan Chase Bank, NA | 483 | 769 |
| Wells Fargo Bank NA | 483 | 743 |
| loanDepot.com LLC | 427 | 687 |
| Fremont Bank | 406 | 666 |
| Pennymac Loan Services LLC | 394 | 630 |
| Patelco Credit Union | 385 | 821 |
| CMG Mortgage Inc | 376 | 530 |
| Everett Financial, Inc. | 303 | 478 |
| Citibank, NA | 290 | 533 |
| New American Funding, LLC. | 282 | 579 |
| BMO Harris Bank NA | 271 | 598 |
| The Golden 1 Credit Union | 258 | 447 |
| Spring Eq, LLC | 252 | 785 |
| Guaranteed Rate, Inc. | 242 | 473 |
| Chevron Federal Credit Union | 194 | 264 |
| Vellum Mortgage, Inc. | 191 | 232 |
| Figure Lending LLC | 188 | 393 |
| The Loan Store, Inc | 179 | 285 |
| PNC Bank N.A. | 173 | 286 |
| Change Lending | 170 | 273 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 255 | 28.9% of 190 decided |
| Asian | 7,577 | 20.5% of 5,924 decided |
| Black or African American | 1,885 | 29.3% of 1,440 decided |
| Native Hawaiian or Other Pacific Islander | 156 | 20.0% of 125 decided |
| White | 13,563 | 18.9% of 10,885 decided |
| 2 or more minority races | 147 | 38.0% of 113 decided |
| Joint | 1,319 | 15.1% of 1,082 decided |
| Free Form Text Only | 34 | no rate: base under 50 |
| Race Not Available | 9,560 | 24.0% of 7,163 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,896 | 24.6% of 3,818 decided |
| Not Hispanic or Latino | 19,988 | 20.1% of 15,824 decided |
| Joint | 1,185 | 17.7% of 985 decided |
| Ethnicity Not Available | 8,398 | 22.4% of 6,283 decided |
| Free Form Text Only | 29 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,696 | 24.2% of 8,238 decided |
| Female | 6,809 | 24.7% of 5,356 decided |
| Joint | 12,985 | 16.3% of 10,539 decided |
| Sex Not Available | 4,006 | 23.9% of 2,801 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 26 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved