California Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,149,907 mortgage applications in California totaling $605.6 billion, up 13% from 2024. The average application was for $526,000, and applicants reported an average income of $236,000. 50% of applications resulted in an originated loan and 15% were denied. The most active lenders were United Wholesale Mortgage (79,473 applications), JPMorgan Chase Bank, NA and Bank of America NA.
See the top mortgage lenders in California, browse lending by metro area and by county, or see the mortgage lenders headquartered in California and California lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into California's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,149,907 |
| Total Mortgage Loan Application Amount | $605,563,390,000 |
| Average Mortgage Loan Application Amount | $526,000 |
| Highest Mortgage Loan Application Amount | $99,395,000 |
| Average Applicant Income | $236,000 |
| Highest Applicant Income | $9,999,000 |
Top 25 Mortgage Lenders in California (2025)
Ranked by the number of mortgage applications each lender received for properties in California in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of California mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in California.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI |
79,473 | $42,753,315,000 | $537,960 | $200,007 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
50,331 | $35,593,650,000 | $707,191 | $279,527 |
| 3 | Bank of America NA Westlake Village, CA |
41,200 | $20,522,855,000 | $498,127 | $245,179 |
| 4 | PennyMac Loan Services LLC Westlake Village, CA |
34,071 | $18,364,815,000 | $539,016 | $215,097 |
| 5 | US Bank, N.A. Cincinnati, OH |
33,612 | $20,098,810,000 | $597,965 | $291,985 |
| 6 | Newrez LLC Fort Washington, PA |
23,580 | $10,692,570,000 | $453,459 | $183,315 |
| 7 | Spring Eq, LLC Conshohocken, PA |
22,092 | $3,176,860,000 | $143,801 | $181,957 |
| 8 | Schoolsfirst FCU Tustin, CA |
19,194 | $4,647,950,000 | $242,156 | $164,539 |
| 9 | Figure Lending LLC San Francisco, CA |
18,995 | $2,324,625,000 | $122,380 | $157,569 |
| 10 | Freedom Mortgage Corporation Boca Raton, FL |
18,227 | $9,512,365,000 | $521,883 | $151,790 |
| 11 | Wells Fargo Bank NA Minneapolis, MN |
16,714 | $20,463,480,000 | $1,224,331 | $443,255 |
| 12 | loanDepot.com LLC Irvine, CA |
16,655 | $6,276,305,000 | $376,842 | $175,877 |
| 13 | Coastal Community Bank Everett, WA |
15,830 | $1,737,580,000 | $109,765 | $202,601 |
| 14 | Lakeview Loan Servicing, LLC Coral Gables, FL |
15,762 | $6,878,370,000 | $436,389 | $158,455 |
| 15 | Navy Federal Credit Union Vienna, VA |
15,497 | $4,029,085,000 | $259,991 | $169,218 |
| 16 | Guaranteed Rate, Inc. Chicago, IL |
15,445 | $9,856,310,000 | $638,155 | $261,586 |
| 17 | Crosscountry Mortgage, LLC Cleveland, OH |
14,767 | $9,316,755,000 | $630,917 | $269,948 |
| 18 | Citibank, NA New York, NY |
14,578 | $14,520,025,000 | $996,023 | $406,950 |
| 19 | Nationstar Mortgage Coppell, TX |
13,208 | $4,741,140,000 | $358,959 | $143,926 |
| 20 | The Loan Store, Inc Tucson, AZ |
12,791 | $5,349,495,000 | $418,223 | $232,032 |
| 21 | New American Funding, Llc. Tustin, CA |
12,478 | $5,306,655,000 | $425,280 | $183,816 |
| 22 | Ocmbc, Inc. Irvine, CA |
12,284 | $6,559,540,000 | $533,990 | $210,539 |
| 23 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
11,788 | $6,064,620,000 | $514,474 | $225,399 |
| 24 | The Golden 1 Credit Union Sacramento, CA |
11,609 | $3,752,495,000 | $323,240 | $191,949 |
| 25 | Kind Lending, LLC Irvine, CA |
9,871 | $4,353,675,000 | $441,057 | $193,928 |
The tables below break down 2025 mortgage applications in California by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for California in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 457,022 | $309,316,250,000 | $676,000 | $98,005,000 | $259,000 | $9,961,000 |
| Cash-out Refinancing | 237,127 | $95,452,195,000 | $402,000 | $81,835,000 | $207,000 | $9,976,000 |
| Refinancing | 197,275 | $148,711,900,000 | $753,000 | $99,395,000 | $288,000 | $9,870,000 |
| Other Purpose | 140,889 | $29,714,460,000 | $210,000 | $70,005,000 | $198,000 | $9,850,000 |
| Home Improvement | 116,276 | $21,896,965,000 | $188,000 | $80,005,000 | $195,000 | $9,999,000 |
| Not Applicable | 1,318 | $471,620,000 | $357,000 | $21,835,000 | $181,000 | $4,418,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 350,006 | $178,595,500,000 | $510,000 | $80,005,000 | $261,000 | $9,976,000 |
| Hispanic | 233,242 | $83,973,490,000 | $360,000 | $54,795,000 | $163,000 | $9,949,000 |
| Not Provided | 206,120 | $106,278,330,000 | $515,000 | $92,325,000 | $251,000 | $9,888,000 |
| Asian | 169,963 | $112,925,665,000 | $664,000 | $16,005,000 | $284,000 | $9,999,000 |
| Not applicable | 141,393 | $104,668,635,000 | $740,000 | $99,395,000 | $233,000 | $9,952,000 |
| Black or African American | 39,812 | $15,679,735,000 | $393,000 | $11,595,000 | $174,000 | $9,999,000 |
| American Indian or Alaskan Native | 5,489 | $2,018,775,000 | $367,000 | $6,605,000 | $188,000 | $9,542,000 |
| Native Hawaiian or Other Pacific Islander | 3,772 | $1,384,330,000 | $367,000 | $3,995,000 | $171,000 | $4,309,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 951,096 | $502,553,170,000 | $528,000 | $99,395,000 | $253,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 138,598 | $67,277,340,000 | $485,000 | $70,185,000 | $125,000 | $7,025,000 |
| VA-guaranteed (Veterans Administration) | 59,467 | $35,534,510,000 | $597,000 | $9,995,000 | $150,000 | $6,253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 746 | $198,370,000 | $265,000 | $1,285,000 | $113,000 | $535,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 569,477 | $333,341,875,000 | $585,000 | $99,395,000 | $251,000 | $9,976,000 |
| Application Denied By Financial Institution | 175,877 | $65,263,105,000 | $371,000 | $90,005,000 | $181,000 | $9,999,000 |
| Application Withdrawn By Applicant | 160,928 | $94,595,100,000 | $587,000 | $91,005,000 | $259,000 | $9,957,000 |
| Loan Purchased By The Institution | 134,929 | $67,857,825,000 | $502,000 | $9,505,000 | $223,000 | $9,952,000 |
| File Closed For Incompleteness | 64,532 | $25,958,155,000 | $402,000 | $80,005,000 | $218,000 | $9,617,000 |
| Application Approved But Not Accepted | 41,748 | $16,907,010,000 | $404,000 | $40,005,000 | $225,000 | $9,915,000 |
| Preapproval Approved but not Accepted | 1,933 | $1,304,095,000 | $674,000 | $10,005,000 | $376,000 | $8,025,000 |
| Preapproval Denied by Financial Institution | 483 | $336,225,000 | $696,000 | $6,005,000 | $193,000 | $2,242,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 969,860 | $536,827,160,000 | $553,000 | $99,395,000 | $248,000 | $9,976,000 |
| Debt-To-Income Ratio | 71,059 | $28,145,550,000 | $396,000 | $71,015,000 | $134,000 | $8,271,000 |
| Credit Application Incomplete | 27,841 | $9,195,185,000 | $330,000 | $15,655,000 | $201,000 | $9,390,000 |
| Credit History | 26,669 | $7,376,615,000 | $276,000 | $16,515,000 | $186,000 | $9,999,000 |
| Collateral | 23,767 | $9,906,045,000 | $416,000 | $41,545,000 | $246,000 | $9,611,000 |
| Other | 16,373 | $6,904,795,000 | $422,000 | $90,005,000 | $235,000 | $8,540,000 |
| Unverifiable Information | 8,160 | $3,697,570,000 | $453,000 | $15,005,000 | $243,000 | $9,225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5,007 | $2,959,855,000 | $591,000 | $14,005,000 | $219,000 | $7,035,000 |
| Employment History | 1,138 | $531,170,000 | $466,000 | $7,565,000 | $154,000 | $1,662,000 |
| Mortgage Insurance Denied | 33 | $19,445,000 | $589,000 | $1,845,000 | $306,000 | $3,266,000 |
Mortgage Loan Application Totals in 2025 by California Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anaheim-Santa Ana-Irvine, CA | 87,324 | $ 58,663,510,000 | $ 671,000 | $ 309,000 |
| Bakersfield, CA | 31,463 | $ 8,396,385,000 | $ 266,000 | $ 131,000 |
| Chico, CA | 6,726 | $ 1,902,540,000 | $ 282,000 | $ 128,000 |
| El Centro, CA | 4,057 | $ 1,061,335,000 | $ 261,000 | $ 121,000 |
| Fresno, CA | 36,793 | $ 11,034,585,000 | $ 299,000 | $ 152,000 |
| Hanford-Corcoran, CA | 4,842 | $ 1,347,450,000 | $ 278,000 | $ 117,000 |
| Los Angeles-Long Beach-Glendale, CA | 223,914 | $ 143,547,075,000 | $ 641,000 | $ 280,000 |
| Merced, CA | 7,658 | $ 2,146,550,000 | $ 280,000 | $ 130,000 |
| Modesto, CA | 16,766 | $ 5,207,010,000 | $ 310,000 | $ 137,000 |
| Napa, CA | 3,997 | $ 2,340,460,000 | $ 585,000 | $ 282,000 |
| Oakland-Hayward-Berkeley, CA | 81,120 | $ 50,187,965,000 | $ 618,000 | $ 267,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 24,854 | $ 12,697,005,000 | $ 510,000 | $ 241,000 |
| Redding, CA | 7,559 | $ 1,899,165,000 | $ 251,000 | $ 131,000 |
| Riverside-San Bernardino-Ontario, CA | 182,080 | $ 68,381,550,000 | $ 375,000 | $ 174,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 92,077 | $ 36,198,125,000 | $ 393,000 | $ 188,000 |
| Salinas, CA | 9,201 | $ 4,782,935,000 | $ 519,000 | $ 248,000 |
| San Diego-Carlsbad, CA | 104,429 | $ 60,645,815,000 | $ 580,000 | $ 250,000 |
| San Francisco-Redwood City-South San Francisco, CA | 31,521 | $ 29,680,615,000 | $ 941,000 | $ 385,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 48,341 | $ 44,641,195,000 | $ 923,000 | $ 365,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 9,488 | $ 4,792,400,000 | $ 505,000 | $ 236,000 |
| San Rafael, CA | 7,511 | $ 6,029,285,000 | $ 802,000 | $ 380,000 |
| Santa Cruz-Watsonville, CA | 6,292 | $ 3,466,180,000 | $ 551,000 | $ 255,000 |
| Santa Maria-Santa Barbara, CA | 10,708 | $ 7,340,520,000 | $ 685,000 | $ 281,000 |
| Santa Rosa, CA | 14,766 | $ 7,179,170,000 | $ 486,000 | $ 229,000 |
| Stockton-Lodi, CA | 28,900 | $ 10,932,020,000 | $ 378,000 | $ 172,000 |
| Vallejo-Fairfield, CA | 17,015 | $ 6,533,035,000 | $ 383,000 | $ 170,000 |
| Visalia-Porterville, CA | 14,433 | $ 3,887,805,000 | $ 269,000 | $ 132,000 |
| Yuba City, CA | 7,084 | $ 2,189,985,000 | $ 309,000 | $ 134,000 |
Mortgage Loan Application Totals in 2025 by California County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alameda | 42,014 | $ 28,647,820,000 | $ 681,000 | $ 281,000 |
| Alpine | 66 | $ 21,620,000 | $ 327,000 | $ 246,000 |
| Amador | 1,786 | $ 485,830,000 | $ 272,000 | $ 140,000 |
| Butte | 6,726 | $ 1,902,540,000 | $ 282,000 | $ 128,000 |
| Calaveras | 2,628 | $ 762,580,000 | $ 290,000 | $ 185,000 |
| Colusa | 521 | $ 135,145,000 | $ 259,000 | $ 135,000 |
| Contra Costa | 39,106 | $ 21,540,145,000 | $ 550,000 | $ 253,000 |
| Del Norte | 786 | $ 206,510,000 | $ 262,000 | $ 113,000 |
| El Dorado | 9,107 | $ 3,781,605,000 | $ 415,000 | $ 223,000 |
| Fresno | 29,755 | $ 8,799,475,000 | $ 295,000 | $ 152,000 |
| Glenn | 775 | $ 188,595,000 | $ 243,000 | $ 108,000 |
| Humboldt | 2,784 | $ 807,490,000 | $ 290,000 | $ 132,000 |
| Imperial | 4,057 | $ 1,061,335,000 | $ 261,000 | $ 121,000 |
| Inyo | 533 | $ 128,905,000 | $ 241,000 | $ 142,000 |
| Kern | 31,463 | $ 8,396,385,000 | $ 266,000 | $ 131,000 |
| Kings | 4,842 | $ 1,347,450,000 | $ 278,000 | $ 117,000 |
| Lake | 2,552 | $ 607,300,000 | $ 237,000 | $ 125,000 |
| Lassen | 843 | $ 170,785,000 | $ 202,000 | $ 109,000 |
| Los Angeles | 223,914 | $ 143,547,075,000 | $ 641,000 | $ 280,000 |
| Madera | 7,038 | $ 2,235,110,000 | $ 317,000 | $ 151,000 |
| Marin | 7,511 | $ 6,029,285,000 | $ 802,000 | $ 380,000 |
| Mariposa | 735 | $ 219,735,000 | $ 298,000 | $ 171,000 |
| Mendocino | 1,972 | $ 640,930,000 | $ 325,000 | $ 170,000 |
| Merced | 7,658 | $ 2,146,550,000 | $ 280,000 | $ 130,000 |
| Modoc | 192 | $ 31,330,000 | $ 163,000 | $ 104,000 |
| Mono | 861 | $ 460,215,000 | $ 534,000 | $ 416,000 |
| Monterey | 9,201 | $ 4,782,935,000 | $ 519,000 | $ 248,000 |
| Napa | 3,997 | $ 2,340,460,000 | $ 585,000 | $ 282,000 |
| Nevada | 4,772 | $ 1,887,840,000 | $ 395,000 | $ 217,000 |
| Orange | 87,324 | $ 58,663,510,000 | $ 671,000 | $ 309,000 |
| Placer | 21,113 | $ 9,451,585,000 | $ 447,000 | $ 236,000 |
| Plumas | 893 | $ 240,265,000 | $ 269,000 | $ 196,000 |
| Riverside | 104,293 | $ 40,958,390,000 | $ 392,000 | $ 182,000 |
| Sacramento | 56,493 | $ 20,752,095,000 | $ 367,000 | $ 164,000 |
| San Benito | 2,317 | $ 1,089,185,000 | $ 470,000 | $ 202,000 |
| San Bernardino | 77,787 | $ 27,423,160,000 | $ 352,000 | $ 163,000 |
| San Diego | 104,429 | $ 60,645,815,000 | $ 580,000 | $ 250,000 |
| San Francisco | 14,212 | $ 13,006,840,000 | $ 915,000 | $ 371,000 |
| San Joaquin | 28,900 | $ 10,932,020,000 | $ 378,000 | $ 172,000 |
| San Luis Obispo | 9,488 | $ 4,792,400,000 | $ 505,000 | $ 236,000 |
| San Mateo | 17,309 | $ 16,673,775,000 | $ 963,000 | $ 397,000 |
| Santa Barbara | 10,708 | $ 7,340,520,000 | $ 685,000 | $ 281,000 |
| Santa Clara | 46,024 | $ 43,552,010,000 | $ 946,000 | $ 373,000 |
| Santa Cruz | 6,292 | $ 3,466,180,000 | $ 551,000 | $ 255,000 |
| Shasta | 7,559 | $ 1,899,165,000 | $ 251,000 | $ 131,000 |
| Sierra | 124 | $ 27,520,000 | $ 221,000 | $ 133,000 |
| Siskiyou | 1,439 | $ 293,665,000 | $ 204,000 | $ 128,000 |
| Solano | 17,015 | $ 6,533,035,000 | $ 383,000 | $ 170,000 |
| Sonoma | 14,766 | $ 7,179,170,000 | $ 486,000 | $ 229,000 |
| Stanislaus | 16,766 | $ 5,207,010,000 | $ 310,000 | $ 137,000 |
| Sutter | 2,845 | $ 824,250,000 | $ 289,000 | $ 141,000 |
| Tehama | 2,108 | $ 487,220,000 | $ 231,000 | $ 130,000 |
| Trinity | 346 | $ 78,210,000 | $ 226,000 | $ 109,000 |
| Tulare | 14,433 | $ 3,887,805,000 | $ 269,000 | $ 132,000 |
| Tuolumne | 2,272 | $ 570,030,000 | $ 250,000 | $ 155,000 |
| Ventura | 24,854 | $ 12,697,005,000 | $ 510,000 | $ 241,000 |
| Yolo | 5,364 | $ 2,212,840,000 | $ 412,000 | $ 187,000 |
| Yuba | 4,239 | $ 1,365,735,000 | $ 322,000 | $ 129,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into California's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of California's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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