Skip to content
American Factbook
Menu
On this page

Mortgage lending in California

Lenders in California reported 1,018,191 mortgage applications for 2025, according to the CFPB.

1,018,191 mortgage applications and 572,268 loans originated in 2025. 177,363 of the 791,639 applications decided were denied, 22.4%. From 2025, the CFPB’s Snapshot release.

1.0 million
Applications
1,018,191
572,268
Loans originated
14.5 per 1,000 residents, over the Census Bureau's 2025 estimate.
22.4%
Denial rate
177,363 denied of 791,639 applications decided.

The largest lenders in California

2 more columns on a wider screen

Lenders in California by loans originated, 2025
RankLenderOriginated
1United Wholesale Mortgage57,281
2Rocket Mortgage42,202
3Bank of America NA17,758
4US Bank, N.A.16,136
5Schoolsfirst Fcu14,224
6JPMorgan Chase Bank, NA14,032
7Pennymac Loan Services LLC10,749
8loanDepot.com LLC9,983
9Wells Fargo Bank NA9,616
10Crosscountry Mortgage, LLC9,599
11The Loan Store, Inc8,432
12Ocmbc, Inc.7,327
13Spring Eq, LLC6,742
14Lennar Mortgage, LLC6,607
15Kind Lending, LLC6,409
16Navy Federal Credit Union6,361
17Guaranteed Rate, Inc.6,248
18The Golden 1 Credit Union6,107
19Citibank, NA5,786
20Newrez LLC5,772
21Figure Lending LLC5,234
22New American Funding, LLC.5,105
23CMG Mortgage Inc4,698
24Nationstar Mortgage4,657
25AmWest Funding Corp4,633

Counties in California

1 more column on a wider screen

Counties in California by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Los Angeles County106,684$515,000
San Diego County52,507$525,000
Riverside County48,866$405,000
Orange County45,579$515,000
San Bernardino County35,751$355,000
Sacramento County28,766$365,000
Santa Clara County25,677$895,000
Alameda County21,958$655,000
Contra Costa County19,933$505,000
Kern County14,916$275,000
Fresno County14,101$295,000
San Joaquin County13,662$395,000
Ventura County12,645$475,000
Placer County11,197$425,000
San Mateo County9,720$855,000
Solano County8,223$395,000
San Francisco County8,062$805,000
Sonoma County7,921$435,000
Stanislaus County7,872$335,000
Tulare County6,843$295,000
Santa Barbara County5,402$505,000
San Luis Obispo County4,840$455,000
El Dorado County4,771$385,000
Monterey County4,439$475,000
Marin County4,126$685,000
Merced County3,640$315,000
Shasta County3,591$255,000
Butte County3,408$265,000
Madera County3,401$345,000
Santa Cruz County3,314$505,000
Yolo County2,819$385,000
Nevada County2,457$375,000
Kings County2,345$305,000
Yuba County2,026$365,000
Napa County1,997$485,000
Imperial County1,897$275,000
Humboldt County1,397$305,000
Sutter County1,363$295,000
Calaveras County1,300$305,000
Tuolumne County1,163$265,000
Lake County1,123$235,000
San Benito County1,104$505,000
Tehama County978$235,000
Mendocino County942$325,000
Amador County901$265,000
Siskiyou County716$215,000
Mono County469$465,000
Plumas County442$255,000
Lassen County383$195,000
Glenn County367$245,000
Del Norte County347$265,000
Mariposa County319$305,000
Colusa County263$265,000
Inyo County232$305,000
Trinity County144$215,000
Modoc County86$165,000
Sierra County51$215,000
Alpine County31under 50 loans

California elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in California Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The California Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about California →

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