Skip to content
American Factbook
Menu
On this page

Mortgage lending in Orange County, California

Lenders in Orange County, California reported 78,162 mortgage applications for 2025, according to the CFPB.

78,162 mortgage applications and 45,579 loans originated in 2025; the denial rate was 20.9% of 61,454 applications decided. The median loan was about $515,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area.

78,162
Applications
45,579
Loans originated
20.9%
Denial rate
12,821 denied of 61,454 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Orange County, California, by year
YearApplicationsOriginated
202578,16245,579
202468,69639,226
202358,48833,069
2022102,84360,226
2021247,512165,278
2020277,699182,974
2019148,16993,114
2018111,58965,358

The largest lenders here

Lenders in Orange County, California by loans originated, 2025
LenderOriginatedApplications
Schoolsfirst Fcu4,9926,403
United Wholesale Mortgage3,8215,240
Rocket Mortgage3,2354,442
US Bank, N.A.2,1883,960
Bank of America NA1,9174,064
JPMorgan Chase Bank, NA1,1131,805
Pennymac Loan Services LLC7961,337
Orange County's Fcu7431,399
East West Bank704878
AmWest Funding Corp7001,166
Wells Fargo Bank NA5661,045
loanDepot.com LLC545914
Spring Eq, LLC5231,681
New Wave Lending Group Inc522784
Crosscountry Mortgage, LLC512805
Nmsi, Inc.500500
Wescom Central Credit Union496852
The Loan Store, Inc482787
Citibank, NA438863
Figure Lending LLC416929
New American Funding, LLC.394861
Guaranteed Rate, Inc.359741
Navy Federal Credit Union347881
Finance of America Reverse LLC345456
Ocmbc, Inc.343596

Applications by race, ethnicity and sex, 2025

By race, Orange County, California: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native36641.1% of 270 decided
Asian18,81420.9% of 14,701 decided
Black or African American68824.7% of 522 decided
Native Hawaiian or Other Pacific Islander21027.3% of 176 decided
White35,97120.1% of 29,055 decided
2 or more minority races14443.1% of 102 decided
Joint2,54316.3% of 2,052 decided
Free Form Text Only26no rate: base under 50
Race Not Available19,40022.1% of 14,559 decided
By ethnicity, Orange County, California: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino9,32626.8% of 7,421 decided
Not Hispanic or Latino48,14119.7% of 38,281 decided
Joint2,84516.8% of 2,359 decided
Ethnicity Not Available17,80921.5% of 13,359 decided
Free Form Text Only41no rate: base under 50
By sex, Orange County, California: applications and denial rate
CategoryApplicationsDenial rate
Male25,39925.0% of 19,891 decided
Female14,73822.5% of 11,623 decided
Joint29,39016.5% of 23,853 decided
Sex Not Available8,63521.3% of 6,087 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

Sources

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