Mortgage lending in Lake County, California
Lenders in Lake County, California reported 2,257 mortgage applications for 2025, according to the CFPB.
2,257 mortgage applications and 1,123 loans originated in 2025; the denial rate was 27.6% of 1,693 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lake County, CA.
- 2,257
- Applications
- 1,123
- Loans originated
- 27.6%
- Denial rate
- 468 denied of 1,693 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,257 | 1,123 |
| 2024 | 2,200 | 1,102 |
| 2023 | 1,878 | 956 |
| 2022 | 3,208 | 1,628 |
| 2021 | 5,503 | 3,041 |
| 2020 | 4,711 | 2,617 |
| 2019 | 3,309 | 1,827 |
| 2018 | 3,144 | 1,629 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 139 | 211 |
| Rocket Mortgage | 84 | 133 |
| Franklin Loan Corporation | 82 | 98 |
| Redwood Credit Union | 77 | 169 |
| Community First Credit Union | 30 | 53 |
| American Pacific Mortgage Corporation | 27 | 47 |
| Kind Lending, LLC | 27 | 41 |
| Pennymac Loan Services LLC | 24 | 40 |
| Guild Mortgage Company | 23 | 35 |
| Homeowners Financial Group, LLC | 23 | 34 |
| Mortgage Research Center | 22 | 50 |
| Newrez LLC | 22 | 55 |
| Equity Prime Mortgage LLC | 21 | 40 |
| loanDepot.com LLC | 20 | 37 |
| Columbia Bank | 20 | 35 |
| The Loan Store, Inc | 19 | 37 |
| Nationstar Mortgage | 18 | 20 |
| Paramount Residential Mortgage | 15 | 15 |
| BMO Harris Bank NA | 15 | 38 |
| New American Funding, LLC. | 13 | 47 |
| Guaranteed Rate, Inc. | 13 | 29 |
| MortgageOne, Inc | 11 | 14 |
| Ocmbc, Inc. | 10 | 22 |
| Crosscountry Mortgage, LLC | 10 | 33 |
| Sierra Pacific Mortgage Co. Inc | 9 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 51 | no rate: base under 50 |
| Asian | 75 | 30.0% of 60 decided |
| Black or African American | 32 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,451 | 25.4% of 1,106 decided |
| 2 or more minority races | under 10 | |
| Joint | 52 | no rate: base under 50 |
| Race Not Available | 586 | 32.6% of 417 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 313 | 31.1% of 238 decided |
| Not Hispanic or Latino | 1,285 | 27.6% of 984 decided |
| Joint | 72 | 18.5% of 54 decided |
| Ethnicity Not Available | 587 | 26.9% of 417 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 784 | 31.7% of 583 decided |
| Female | 546 | 29.3% of 416 decided |
| Joint | 654 | 19.5% of 512 decided |
| Sex Not Available | 273 | 33.5% of 182 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. 657 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