California
Mortgage Loan Application
Totals and Details
in 2019

Find mortgage statistics and mortgage data for California.
Our lists allow you to explore the total number of mortgage applications and mortgage application details for 2003-2019 in all of California.
You can organize this information by metropolitan area and by county.

Years 2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,111,024
Total Mortgage Loan Application Amount $935,331,420,000
Average Mortgage Loan Application Amount $443,000
Highest Mortgage Loan Application Amount $97,505,000
Average Applicant Income $161,000
Highest Applicant Income $9,965,000

Mortgage stats and application averages for each year are shown below, as well as highest application amount and the income of the highest applicant.
If you are looking for a mortgage or loan application data statistics in California, these numbers will give you an idea of what to expect as you begin to look for a lender.

These lists can also be organized by various details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.

Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, and the highest mortgage within that category. You can also look at information regarding the average income of the mortgage applicants and the highest income of the mortgage applicants. If you're looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.

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Mortgage Loan Application Detail Totals for California in 2019

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
Refinancing 690,549 $343,537,525,000 $497,000 $96,505,000 $172,000 $9,916,000
Home Purchase 652,668 $324,652,060,000 $497,000 $96,855,000 $169,000 $9,842,000
Cash-out Refinancing 499,724 $213,763,650,000 $427,000 $97,505,000 $137,000 $9,878,000
Home Improvement 126,905 $20,921,275,000 $164,000 $97,215,000 $152,000 $9,965,000
Other Purpose 123,410 $26,840,690,000 $217,000 $51,005,000 $173,000 $9,928,000
Not Applicable 17,768 $5,616,220,000 $316,000 $26,005,000 $142,000 $2,456,000

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 844,153 $374,822,135,000 $444,000 $50,005,000 $179,000 $9,928,000
Hispanic 366,118 $112,579,355,000 $307,000 $9,995,000 $104,000 $9,965,000
Not Provided 341,589 $151,719,535,000 $444,000 $65,525,000 $171,000 $9,916,000
Asian 256,223 $130,447,955,000 $509,000 $17,555,000 $182,000 $9,878,000
Not applicable 166,359 $112,341,710,000 $675,000 $97,505,000 $122,000 $5,751,000
Black or African American 79,281 $27,984,805,000 $352,000 $23,305,000 $116,000 $9,608,000
American Indian or Alaskan Native 9,529 $2,997,195,000 $314,000 $4,505,000 $132,000 $6,800,000
Native Hawaiian or Other Pacific Islander 7,795 $2,917,355,000 $374,000 $17,305,000 $123,000 $2,562,000

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) 1,699,007 $781,283,710,000 $459,000 $97,505,000 $174,000 $9,965,000
FHA-insured (Federal Housing Administration) 247,350 $84,678,335,000 $342,000 $84,005,000 $83,000 $8,972,000
VA-guaranteed (Veterans Administration) 161,259 $68,589,505,000 $425,000 $9,995,000 $92,000 $5,000,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3,408 $779,870,000 $228,000 $1,865,000 $65,000 $725,000

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 1,133,072 $540,134,515,000 $476,000 $97,505,000 $170,000 $9,928,000
Application Denied By Financial Institution 293,365 $101,151,680,000 $344,000 $84,005,000 $132,000 $9,965,000
Application Withdrawn By Applicant 272,326 $127,295,160,000 $467,000 $88,305,000 $167,000 $9,828,000
Loan Purchased By The Institution 260,279 $103,660,665,000 $398,000 $50,005,000 $138,000 $9,165,000
File Closed For Incompleteness 99,968 $39,669,595,000 $396,000 $57,005,000 $150,000 $9,773,000
Application Approved But Not Accepted 51,027 $22,970,590,000 $450,000 $55,575,000 $170,000 $9,842,000
Preapproval Approved but not Accepted 787 $373,275,000 $474,000 $8,405,000 $156,000 $3,049,000
Preapproval Denied by Financial Institution 200 $75,940,000 $379,000 $1,205,000 $99,000 $592,000

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 1,797,004 $824,676,150,000 $458,000 $97,505,000 $166,000 $9,928,000
Debt-To-Income Ratio 130,018 $48,168,305,000 $370,000 $84,975,000 $108,000 $8,547,000
Credit History 59,250 $13,676,020,000 $230,000 $32,005,000 $133,000 $8,820,000
Collateral 37,168 $14,326,630,000 $385,000 $27,615,000 $177,000 $9,768,000
Credit Application Incomplete 33,422 $12,737,110,000 $381,000 $18,005,000 $143,000 $7,500,000
Other 30,609 $11,669,150,000 $381,000 $56,255,000 $158,000 $9,965,000
Unverifiable Information 14,533 $5,535,265,000 $380,000 $15,005,000 $170,000 $9,600,000
Insufficient Cash (Downpayment, Closing Cost) 6,530 $3,544,220,000 $542,000 $10,725,000 $181,000 $4,346,000
Employment History 2,441 $979,735,000 $401,000 $4,715,000 $113,000 $2,583,000
Mortgage Insurance Denied 49 $18,835,000 $384,000 $1,125,000 $147,000 $489,000
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Mortgage Loan Application Totals in 2019 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 166,914 $ 88,333,230,000 $ 529,000 $ 196,000
BAKERSFIELD, CA 41,216 $ 8,754,630,000 $ 212,000 $ 92,000
CHICO, CA 11,549 $ 2,831,995,000 $ 245,000 $ 103,000
EL CENTRO, CA 6,166 $ 1,195,300,000 $ 193,000 $ 83,000
FRESNO, CA 42,982 $ 10,492,340,000 $ 244,000 $ 104,000
HANFORD-CORCORAN, CA 6,324 $ 1,355,540,000 $ 214,000 $ 87,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 427,169 $ 228,205,245,000 $ 534,000 $ 183,000
MADERA, CA 7,850 $ 1,777,840,000 $ 226,000 $ 94,000
MERCED, CA 13,481 $ 3,117,525,000 $ 231,000 $ 91,000
MODESTO, CA 31,660 $ 8,019,720,000 $ 253,000 $ 97,000
NAPA, CA 7,952 $ 3,838,010,000 $ 482,000 $ 196,000
OAKLAND-HAYWARD-BERKELEY, CA 176,467 $ 91,392,220,000 $ 517,000 $ 183,000
OXNARD-THOUSAND OAKS-VENTURA, CA 48,820 $ 21,779,120,000 $ 446,000 $ 159,000
REDDING, CA 11,131 $ 2,496,815,000 $ 224,000 $ 94,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 302,787 $ 90,704,820,000 $ 299,000 $ 113,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 170,941 $ 56,130,130,000 $ 328,000 $ 128,000
SALINAS, CA 18,085 $ 8,416,340,000 $ 465,000 $ 167,000
SAN DIEGO-CARLSBAD, CA 199,456 $ 93,592,165,000 $ 469,000 $ 161,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 65,407 $ 52,654,265,000 $ 805,000 $ 285,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 99,663 $ 66,581,450,000 $ 668,000 $ 227,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 16,694 $ 6,925,770,000 $ 414,000 $ 156,000
SAN RAFAEL, CA 15,957 $ 11,641,120,000 $ 729,000 $ 287,000
SANTA CRUZ-WATSONVILLE, CA 12,867 $ 6,258,495,000 $ 486,000 $ 182,000
SANTA MARIA-SANTA BARBARA, CA 19,388 $ 10,223,350,000 $ 527,000 $ 197,000
SANTA ROSA, CA 28,070 $ 12,074,150,000 $ 430,000 $ 160,000
STOCKTON-LODI, CA 48,990 $ 14,717,890,000 $ 300,000 $ 109,000
VALLEJO-FAIRFIELD, CA 34,110 $ 11,702,840,000 $ 343,000 $ 119,000
VISALIA-PORTERVILLE, CA 20,861 $ 4,351,565,000 $ 208,000 $ 91,000
YUBA CITY, CA 11,640 $ 2,806,160,000 $ 241,000 $ 89,000
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Mortgage Loan Application Totals in 2019 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 92,051 $ 51,390,240,000 $ 558,000 $ 191,000
Alpine 112 $ 32,540,000 $ 290,000 $ 245,000
Amador 2,868 $ 716,860,000 $ 249,000 $ 100,000
Butte 11,561 $ 2,837,365,000 $ 245,000 $ 103,000
Calaveras 4,071 $ 1,047,285,000 $ 257,000 $ 124,000
Colusa 923 $ 185,425,000 $ 200,000 $ 97,000
Contra Costa 84,483 $ 40,084,115,000 $ 474,000 $ 174,000
Del Norte 949 $ 188,385,000 $ 198,000 $ 80,000
El Dorado 17,130 $ 6,258,950,000 $ 365,000 $ 157,000
Fresno 42,999 $ 10,498,485,000 $ 244,000 $ 104,000
Glenn 1,177 $ 240,275,000 $ 204,000 $ 82,000
Humboldt 3,968 $ 949,100,000 $ 239,000 $ 96,000
Imperial 6,169 $ 1,195,495,000 $ 193,000 $ 83,000
Inyo 563 $ 142,275,000 $ 252,000 $ 143,000
Kern 41,260 $ 8,761,310,000 $ 212,000 $ 92,000
Kings 6,329 $ 1,357,465,000 $ 214,000 $ 87,000
Lake 3,780 $ 813,810,000 $ 215,000 $ 92,000
Lassen 1,377 $ 271,055,000 $ 196,000 $ 84,000
Los Angeles 427,617 $ 228,563,555,000 $ 534,000 $ 183,000
Madera 7,852 $ 1,778,070,000 $ 226,000 $ 94,000
Marin 15,960 $ 11,644,605,000 $ 729,000 $ 287,000
Mariposa 1,018 $ 252,330,000 $ 247,000 $ 101,000
Mendocino 2,967 $ 863,035,000 $ 290,000 $ 112,000
Merced 13,497 $ 3,119,345,000 $ 231,000 $ 91,000
Modoc 282 $ 48,060,000 $ 170,000 $ 70,000
Mono 1,384 $ 522,780,000 $ 377,000 $ 277,000
Monterey 18,102 $ 8,421,645,000 $ 465,000 $ 167,000
Napa 7,961 $ 3,839,905,000 $ 482,000 $ 196,000
Nevada 8,239 $ 2,678,745,000 $ 325,000 $ 152,000
Orange 167,118 $ 88,507,750,000 $ 529,000 $ 196,000
Placer 36,998 $ 14,094,410,000 $ 380,000 $ 159,000
Plumas 1,381 $ 324,145,000 $ 234,000 $ 128,000
Riverside 173,135 $ 54,014,445,000 $ 311,000 $ 118,000
Sacramento 106,421 $ 32,378,610,000 $ 304,000 $ 112,000
San Benito 5,015 $ 2,164,525,000 $ 431,000 $ 134,000
San Bernardino 130,119 $ 37,203,430,000 $ 285,000 $ 106,000
San Diego 199,583 $ 93,664,240,000 $ 469,000 $ 161,000
San Francisco 28,873 $ 24,332,520,000 $ 842,000 $ 305,000
San Joaquin 49,015 $ 14,752,675,000 $ 300,000 $ 109,000
San Luis Obispo 16,702 $ 6,929,470,000 $ 414,000 $ 156,000
San Mateo 36,555 $ 28,410,205,000 $ 777,000 $ 269,000
Santa Barbara 19,397 $ 10,228,735,000 $ 527,000 $ 197,000
Santa Clara 94,717 $ 64,456,820,000 $ 680,000 $ 232,000
Santa Cruz 12,875 $ 6,262,055,000 $ 486,000 $ 182,000
Shasta 11,139 $ 2,499,765,000 $ 224,000 $ 94,000
Sierra 197 $ 45,155,000 $ 229,000 $ 96,000
Siskiyou 1,976 $ 362,750,000 $ 183,000 $ 86,000
Solano 34,135 $ 11,731,615,000 $ 343,000 $ 119,000
Sonoma 28,078 $ 12,077,790,000 $ 430,000 $ 160,000
Stanislaus 31,687 $ 8,032,575,000 $ 253,000 $ 97,000
Sutter 5,607 $ 1,340,705,000 $ 239,000 $ 95,000
Tehama 3,346 $ 663,700,000 $ 198,000 $ 84,000
Trinity 495 $ 100,795,000 $ 203,000 $ 88,000
Tulare 20,866 $ 4,351,890,000 $ 208,000 $ 91,000
Tuolumne 3,560 $ 840,810,000 $ 236,000 $ 109,000
Ventura 48,865 $ 21,792,665,000 $ 445,000 $ 159,000
Yolo 10,481 $ 3,596,235,000 $ 343,000 $ 134,000
Yuba 6,039 $ 1,468,425,000 $ 243,000 $ 84,000

We hope these mortgage application details and statistics will give you a better idea of what to expect when applying for a mortgage.
Whether you are looking for a home loan, for home financing or refinancing, or for home improvement loan statistics, we have the information you need.
These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender in California.

If you prefer, you can download a copy of the entire list of mortgage lenders in California and search similar information back through 2003.

Download the California Lender List