California
Mortgage Loan Application
Totals and Details
in 2020

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 2003-2020 in all of California.
You can organize this information by metropolitan area and by county.

Years 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,410,135
Total Mortgage Loan Application Amount $1,518,030,775,000
Average Mortgage Loan Application Amount $445,000
Highest Mortgage Loan Application Amount $99,605,000
Average Applicant Income $163,000
Highest Applicant Income $9,999,000

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 2020

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 1,897,852 $844,217,460,000 $444,000 $99,605,000 $165,000 $9,999,000
Home Purchase 661,851 $349,644,830,000 $528,000 $97,005,000 $173,000 $9,999,000
Cash-out Refinancing 637,310 $270,423,010,000 $424,000 $97,005,000 $141,000 $9,999,000
Home Improvement 96,413 $19,564,510,000 $202,000 $50,005,000 $168,000 $9,473,000
Other Purpose 93,555 $27,487,265,000 $293,000 $72,005,000 $202,000 $9,500,000
Not Applicable 23,154 $6,693,700,000 $289,000 $7,005,000 $168,000 $3,992,000

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 1,343,702 $605,671,600,000 $450,000 $75,305,000 $177,000 $9,999,000
Not Provided 627,883 $277,407,670,000 $441,000 $73,095,000 $171,000 $9,999,000
Hispanic 524,036 $176,085,850,000 $336,000 $24,775,000 $110,000 $9,999,000
Asian 460,761 $225,491,795,000 $489,000 $49,885,000 $176,000 $9,999,000
Not applicable 266,000 $153,118,795,000 $575,000 $99,605,000 $139,000 $6,383,000
Black or African American 104,934 $39,624,960,000 $377,000 $42,355,000 $124,000 $9,999,000
American Indian or Alaskan Native 13,317 $4,704,175,000 $353,000 $4,005,000 $139,000 $9,348,000
Native Hawaiian or Other Pacific Islander 11,525 $4,508,165,000 $391,000 $8,005,000 $132,000 $9,999,000

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) 2,882,767 $1,313,362,345,000 $455,000 $99,605,000 $170,000 $9,999,000
FHA-insured (Federal Housing Administration) 267,876 $92,649,690,000 $345,000 $94,665,000 $87,000 $9,999,000
VA-guaranteed (Veterans Administration) 254,366 $110,531,820,000 $434,000 $12,265,000 $98,000 $9,348,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5,126 $1,486,920,000 $290,000 $2,465,000 $90,000 $2,189,000

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 1,958,510 $901,285,005,000 $460,000 $99,605,000 $165,000 $9,999,000
Application Withdrawn By Applicant 488,663 $227,440,540,000 $465,000 $97,005,000 $177,000 $9,999,000
Loan Purchased By The Institution 356,254 $143,714,170,000 $403,000 $15,505,000 $149,000 $9,999,000
Application Denied By Financial Institution 344,720 $138,767,170,000 $402,000 $94,665,000 $146,000 $9,999,000
File Closed For Incompleteness 174,377 $68,594,095,000 $393,000 $72,005,000 $154,000 $9,708,000
Application Approved But Not Accepted 86,398 $37,647,770,000 $435,000 $84,105,000 $163,000 $8,097,000
Preapproval Approved but not Accepted 954 $474,360,000 $497,000 $3,245,000 $198,000 $6,256,000
Preapproval Denied by Financial Institution 259 $107,665,000 $415,000 $2,605,000 $107,000 $701,000

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 3,055,177 $1,373,884,805,000 $449,000 $99,605,000 $165,000 $9,999,000
Debt-To-Income Ratio 122,662 $52,483,200,000 $427,000 $68,475,000 $107,000 $9,530,000
Credit Application Incomplete 64,587 $25,398,740,000 $393,000 $22,005,000 $162,000 $9,065,000
Credit History 54,328 $16,242,460,000 $298,000 $28,985,000 $147,000 $9,760,000
Other 48,041 $22,172,905,000 $461,000 $75,005,000 $200,000 $9,480,000
Collateral 33,006 $13,839,410,000 $419,000 $94,665,000 $187,000 $9,999,000
Unverifiable Information 19,372 $8,028,450,000 $414,000 $20,005,000 $163,000 $9,775,000
Insufficient Cash (Downpayment, Closing Cost) 7,487 $3,850,000,000 $514,000 $6,005,000 $172,000 $4,100,000
Employment History 5,400 $2,098,190,000 $388,000 $9,935,000 $109,000 $4,536,000
Mortgage Insurance Denied 75 $32,615,000 $434,000 $2,005,000 $124,000 $600,000
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Mortgage Loan Application Totals in 2020 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 327,798 $ 166,854,135,000 $ 509,000 $ 181,000
BAKERSFIELD, CA 60,686 $ 13,962,670,000 $ 230,000 $ 101,000
CHICO, CA 14,897 $ 4,022,175,000 $ 269,000 $ 112,000
EL CENTRO, CA 8,632 $ 1,875,620,000 $ 217,000 $ 94,000
FRESNO, CA 66,093 $ 16,963,795,000 $ 256,000 $ 113,000
HANFORD-CORCORAN, CA 9,146 $ 2,092,920,000 $ 228,000 $ 94,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 681,539 $ 351,550,350,000 $ 515,000 $ 177,000
MADERA, CA 11,417 $ 2,868,615,000 $ 251,000 $ 105,000
MERCED, CA 18,481 $ 4,534,075,000 $ 245,000 $ 97,000
MODESTO, CA 43,991 $ 11,683,985,000 $ 265,000 $ 104,000
NAPA, CA 12,369 $ 6,216,985,000 $ 502,000 $ 204,000
OAKLAND-HAYWARD-BERKELEY, CA 297,338 $ 152,565,335,000 $ 513,000 $ 184,000
OXNARD-THOUSAND OAKS-VENTURA, CA 87,131 $ 39,066,515,000 $ 448,000 $ 160,000
REDDING, CA 16,284 $ 3,962,200,000 $ 243,000 $ 101,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 455,226 $ 144,904,925,000 $ 318,000 $ 122,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 265,885 $ 90,902,680,000 $ 341,000 $ 135,000
SALINAS, CA 27,273 $ 12,658,545,000 $ 464,000 $ 165,000
SAN DIEGO-CARLSBAD, CA 337,989 $ 157,864,250,000 $ 467,000 $ 162,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 109,296 $ 78,993,690,000 $ 722,000 $ 262,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 173,519 $ 107,786,065,000 $ 621,000 $ 221,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 29,743 $ 12,344,445,000 $ 415,000 $ 153,000
SAN RAFAEL, CA 26,862 $ 18,597,810,000 $ 692,000 $ 266,000
SANTA CRUZ-WATSONVILLE, CA 21,609 $ 10,795,240,000 $ 499,000 $ 184,000
SANTA MARIA-SANTA BARBARA, CA 32,109 $ 16,379,990,000 $ 510,000 $ 185,000
SANTA ROSA, CA 46,126 $ 20,133,965,000 $ 436,000 $ 161,000
STOCKTON-LODI, CA 68,845 $ 22,132,715,000 $ 321,000 $ 118,000
VALLEJO-FAIRFIELD, CA 48,797 $ 17,273,915,000 $ 353,000 $ 124,000
VISALIA-PORTERVILLE, CA 28,842 $ 6,521,585,000 $ 226,000 $ 99,000
YUBA CITY, CA 15,881 $ 4,124,385,000 $ 259,000 $ 98,000
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Mortgage Loan Application Totals in 2020 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 159,599 $ 85,705,125,000 $ 537,000 $ 190,000
Alpine 205 $ 67,465,000 $ 329,000 $ 269,000
Amador 4,468 $ 1,189,730,000 $ 266,000 $ 108,000
Butte 14,926 $ 4,030,450,000 $ 270,000 $ 112,000
Calaveras 6,598 $ 1,788,910,000 $ 271,000 $ 140,000
Colusa 1,114 $ 261,040,000 $ 234,000 $ 96,000
Contra Costa 139,022 $ 67,482,565,000 $ 485,000 $ 178,000
Del Norte 1,269 $ 293,055,000 $ 230,000 $ 93,000
El Dorado 28,501 $ 10,677,655,000 $ 374,000 $ 158,000
Fresno 66,217 $ 17,001,425,000 $ 256,000 $ 113,000
Glenn 1,454 $ 312,900,000 $ 215,000 $ 84,000
Humboldt 5,909 $ 1,542,005,000 $ 260,000 $ 102,000
Imperial 8,636 $ 1,876,520,000 $ 217,000 $ 94,000
Inyo 938 $ 264,640,000 $ 282,000 $ 124,000
Kern 60,796 $ 13,994,080,000 $ 230,000 $ 102,000
Kings 9,151 $ 2,094,095,000 $ 228,000 $ 94,000
Lake 5,058 $ 1,181,070,000 $ 233,000 $ 101,000
Lassen 1,743 $ 336,615,000 $ 193,000 $ 90,000
Los Angeles 686,515 $ 353,661,710,000 $ 515,000 $ 177,000
Madera 11,427 $ 2,871,835,000 $ 251,000 $ 105,000
Marin 26,929 $ 18,629,695,000 $ 691,000 $ 266,000
Mariposa 1,513 $ 399,745,000 $ 264,000 $ 119,000
Mendocino 4,271 $ 1,379,545,000 $ 323,000 $ 124,000
Merced 18,491 $ 4,537,135,000 $ 245,000 $ 97,000
Modoc 330 $ 49,950,000 $ 151,000 $ 72,000
Mono 2,327 $ 878,805,000 $ 377,000 $ 285,000
Monterey 27,359 $ 12,694,915,000 $ 464,000 $ 165,000
Napa 12,420 $ 6,238,490,000 $ 502,000 $ 203,000
Nevada 13,602 $ 4,797,680,000 $ 352,000 $ 161,000
Orange 314,039 $ 161,136,050,000 $ 513,000 $ 183,000
Placer 61,444 $ 24,066,580,000 $ 391,000 $ 162,000
Plumas 2,148 $ 551,800,000 $ 256,000 $ 152,000
Riverside 262,005 $ 86,083,205,000 $ 328,000 $ 126,000
Sacramento 159,428 $ 50,332,690,000 $ 315,000 $ 120,000
San Benito 7,491 $ 3,315,505,000 $ 442,000 $ 138,000
San Bernardino 195,377 $ 59,571,710,000 $ 304,000 $ 116,000
San Diego 339,375 $ 158,454,270,000 $ 466,000 $ 162,000
San Francisco 46,695 $ 35,031,460,000 $ 750,000 $ 274,000
San Joaquin 69,027 $ 22,201,265,000 $ 321,000 $ 118,000
San Luis Obispo 29,872 $ 12,396,510,000 $ 414,000 $ 153,000
San Mateo 62,931 $ 44,127,320,000 $ 701,000 $ 253,000
Santa Barbara 32,242 $ 16,434,185,000 $ 509,000 $ 184,000
Santa Clara 166,679 $ 104,813,065,000 $ 628,000 $ 224,000
Santa Cruz 21,691 $ 10,835,760,000 $ 499,000 $ 184,000
Shasta 16,313 $ 3,970,125,000 $ 243,000 $ 101,000
Sierra 250 $ 62,030,000 $ 248,000 $ 123,000
Siskiyou 2,749 $ 556,985,000 $ 202,000 $ 106,000
Solano 48,922 $ 17,318,650,000 $ 354,000 $ 124,000
Sonoma 46,242 $ 20,182,675,000 $ 436,000 $ 161,000
Stanislaus 44,073 $ 11,709,045,000 $ 265,000 $ 104,000
Sutter 7,806 $ 1,976,890,000 $ 253,000 $ 104,000
Tehama 4,266 $ 947,390,000 $ 222,000 $ 91,000
Trinity 699 $ 159,785,000 $ 228,000 $ 105,000
Tulare 28,880 $ 6,532,785,000 $ 226,000 $ 99,000
Tuolumne 5,503 $ 1,402,715,000 $ 254,000 $ 124,000
Ventura 87,838 $ 39,367,030,000 $ 448,000 $ 160,000
Yolo 17,268 $ 6,100,805,000 $ 353,000 $ 138,000
Yuba 8,094 $ 2,153,640,000 $ 266,000 $ 92,000

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