Mortgage lending in Monterey County, California
Lenders in Monterey County, California reported 8,148 mortgage applications for 2025, according to the CFPB.
8,148 mortgage applications and 4,439 loans originated in 2025; the denial rate was 24.3% of 6,293 applications decided. The median loan was about $475,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Salinas, CA MSA.
- 8,148
- Applications
- 4,439
- Loans originated
- 24.3%
- Denial rate
- 1,530 denied of 6,293 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,148 | 4,439 |
| 2024 | 7,162 | 3,819 |
| 2023 | 5,953 | 3,113 |
| 2022 | 10,691 | 5,955 |
| 2021 | 25,608 | 16,381 |
| 2020 | 25,186 | 15,885 |
| 2019 | 15,902 | 9,431 |
| 2018 | 12,592 | 7,042 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 521 | 727 |
| Rocket Mortgage | 358 | 488 |
| US Bank, N.A. | 154 | 324 |
| Crosscountry Mortgage, LLC | 151 | 223 |
| JPMorgan Chase Bank, NA | 134 | 217 |
| Bank of America NA | 126 | 339 |
| Flexpoint, Inc. | 120 | 193 |
| Bay Federal Credit Union | 107 | 194 |
| loanDepot.com LLC | 102 | 192 |
| Franklin Loan Corporation | 99 | 132 |
| Premier Mortgage Resources, LLC | 97 | 135 |
| Guaranteed Rate, Inc. | 96 | 146 |
| Navy Federal Credit Union | 71 | 152 |
| Summit Funding.inc | 70 | 99 |
| Pennymac Loan Services LLC | 69 | 127 |
| Figure Lending LLC | 64 | 124 |
| Mackillie Inc | 63 | 63 |
| Wells Fargo Bank NA | 63 | 105 |
| Spring Eq, LLC | 56 | 191 |
| Ocmbc, Inc. | 54 | 91 |
| Newrez LLC | 51 | 146 |
| Synergy One Lending, Inc. | 50 | 64 |
| Fremont Bank | 50 | 80 |
| Wescom Central Credit Union | 47 | 93 |
| Nationstar Mortgage | 47 | 87 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 106 | 38.3% of 81 decided |
| Asian | 547 | 26.2% of 424 decided |
| Black or African American | 131 | 32.0% of 103 decided |
| Native Hawaiian or Other Pacific Islander | 46 | no rate: base under 50 |
| White | 4,742 | 21.7% of 3,749 decided |
| 2 or more minority races | withheld | |
| Joint | 227 | 13.4% of 172 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,310 | 29.5% of 1,699 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,692 | 29.1% of 2,142 decided |
| Not Hispanic or Latino | 3,368 | 20.0% of 2,600 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,788 | 25.9% of 1,308 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,537 | 28.1% of 1,947 decided |
| Female | 1,609 | 25.4% of 1,241 decided |
| Joint | 3,176 | 19.9% of 2,534 decided |
| Sex Not Available | 826 | 28.9% of 571 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. 41 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