Mortgage lending in Imperial County, California
Lenders in Imperial County, California reported 3,417 mortgage applications for 2025, according to the CFPB.
3,417 mortgage applications and 1,897 loans originated in 2025; the denial rate was 24.2% of 2,648 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: El Centro, CA MSA.
- 3,417
- Applications
- 1,897
- Loans originated
- 24.2%
- Denial rate
- 642 denied of 2,648 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,417 | 1,897 |
| 2024 | 3,165 | 1,725 |
| 2023 | 2,653 | 1,332 |
| 2022 | 4,637 | 2,423 |
| 2021 | 8,333 | 4,997 |
| 2020 | 7,333 | 4,347 |
| 2019 | 5,238 | 3,126 |
| 2018 | 4,509 | 2,421 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 233 | 333 |
| Primelending | 146 | 192 |
| Efinity Financial LLC | 142 | 186 |
| Rocket Mortgage | 127 | 205 |
| Sun Community FCU | 77 | 85 |
| Pennymac Loan Services LLC | 74 | 117 |
| Everett Financial, Inc. | 65 | 94 |
| American Pacific Mortgage Corporation | 48 | 68 |
| Freedom Mortgage Corporation | 45 | 105 |
| loanDepot.com LLC | 42 | 75 |
| Equity Prime Mortgage LLC | 38 | 61 |
| Sierra Pacific Mortgage Co. Inc | 32 | 37 |
| Navy Federal Credit Union | 32 | 79 |
| Paramount Residential Mortgage | 31 | 43 |
| HomeBridge Financial Services, Inc | 29 | 34 |
| JPMorgan Chase Bank, NA | 29 | 46 |
| Nationstar Mortgage | 27 | 35 |
| US Bank, N.A. | 27 | 86 |
| Spring Eq, LLC | 26 | 100 |
| Cornerstone First Mortgage, LLC | 22 | 28 |
| Newrez LLC | 22 | 79 |
| Wallick and Volk, Inc. | 22 | 29 |
| Ocmbc, Inc. | 21 | 41 |
| Ark-LA-Tex Financial Services LLC | 19 | 26 |
| Bank of America NA | 19 | 79 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 37 | no rate: base under 50 |
| Asian | 51 | no rate: base under 50 |
| Black or African American | 25 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,294 | 21.2% of 1,813 decided |
| 2 or more minority races | under 10 | |
| Joint | 33 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 958 | 31.2% of 706 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,395 | 23.7% of 1,883 decided |
| Not Hispanic or Latino | 368 | 23.3% of 283 decided |
| Joint | 90 | 25.3% of 75 decided |
| Ethnicity Not Available | 564 | 27.0% of 407 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,331 | 27.6% of 1,041 decided |
| Female | 691 | 25.1% of 535 decided |
| Joint | 1,051 | 18.4% of 833 decided |
| Sex Not Available | 344 | 28.4% of 239 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. 397 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