California
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Discover comprehensive California mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all California based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into California's mortgage market trends.

Years 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 939,197
Total Mortgage Loan Application Amount $481,746,100,000
Average Mortgage Loan Application Amount $513,000
Highest Mortgage Loan Application Amount $99,005,000
Average Applicant Income $205,000
Highest Applicant Income $9,994,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 in California. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in California, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2023 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in California.

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Mortgage Loan Application Detail Totals for California in 2023

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 458,647 $301,456,265,000 $657,000 $93,005,000 $228,000 $9,994,000
Cash-out Refinancing 156,217 $70,841,370,000 $454,000 $99,005,000 $168,000 $9,759,000
Home Improvement 118,459 $19,871,050,000 $167,000 $81,985,000 $181,000 $9,800,000
Other Purpose 110,599 $27,142,210,000 $245,000 $94,295,000 $188,000 $9,841,000
Refinancing 77,918 $53,154,340,000 $682,000 $97,205,000 $225,000 $9,961,000
Not Applicable 17,357 $9,280,865,000 $534,000 $38,705,000 $99,000 $343,000

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 276,278 $124,626,220,000 $451,000 $48,505,000 $229,000 $9,841,000
Hispanic 172,858 $56,045,735,000 $324,000 $13,005,000 $142,000 $9,829,000
Not applicable 162,827 $139,043,430,000 $855,000 $99,005,000 $190,000 $9,034,000
Not Provided 155,020 $71,918,315,000 $463,000 $50,005,000 $218,000 $9,961,000
Asian 106,445 $62,407,965,000 $586,000 $40,005,000 $239,000 $9,994,000
Black or African American 35,554 $13,157,210,000 $370,000 $14,685,000 $158,000 $9,500,000
American Indian or Alaskan Native 5,284 $1,610,590,000 $304,000 $20,655,000 $165,000 $7,920,000
Native Hawaiian or Other Pacific Islander 2,680 $920,750,000 $343,000 $2,905,000 $151,000 $4,440,000

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) 785,935 $408,878,525,000 $520,000 $99,005,000 $221,000 $9,994,000
FHA-insured (Federal Housing Administration) 113,624 $51,288,925,000 $451,000 $81,985,000 $120,000 $9,161,000
VA-guaranteed (Veterans Administration) 38,789 $21,357,775,000 $550,000 $25,005,000 $138,000 $9,393,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 849 $220,875,000 $260,000 $4,005,000 $104,000 $1,001,000

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 427,263 $222,489,825,000 $520,000 $94,295,000 $220,000 $9,994,000
Loan Purchased By The Institution 158,259 $113,756,215,000 $719,000 $99,005,000 $195,000 $9,034,000
Application Denied By Financial Institution 156,366 $49,824,625,000 $318,000 $97,205,000 $160,000 $9,800,000
Application Withdrawn By Applicant 124,139 $67,788,720,000 $546,000 $80,005,000 $222,000 $9,994,000
File Closed For Incompleteness 44,008 $15,195,850,000 $345,000 $56,005,000 $178,000 $9,675,000
Application Approved But Not Accepted 27,152 $11,410,150,000 $420,000 $46,005,000 $212,000 $9,526,000
Preapproval Approved but not Accepted 1,587 $969,115,000 $610,000 $4,685,000 $213,000 $7,631,000
Preapproval Denied by Financial Institution 423 $311,600,000 $738,000 $89,005,000 $148,000 $808,000

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 778,625 $428,964,890,000 $551,000 $99,005,000 $217,000 $9,994,000
Debt-To-Income Ratio 69,732 $23,932,540,000 $343,000 $62,135,000 $122,000 $9,829,000
Credit History 28,812 $6,252,175,000 $217,000 $21,305,000 $158,000 $9,800,000
Collateral 19,948 $6,847,655,000 $343,000 $25,005,000 $225,000 $9,275,000
Credit Application Incomplete 16,382 $5,382,550,000 $328,000 $40,005,000 $199,000 $9,720,000
Other 15,011 $5,153,155,000 $343,000 $97,205,000 $195,000 $9,654,000
Unverifiable Information 6,162 $2,698,690,000 $437,000 $10,505,000 $217,000 $8,648,000
Insufficient Cash (Downpayment, Closing Cost) 3,260 $1,915,770,000 $587,000 $42,505,000 $214,000 $8,937,000
Employment History 1,243 $581,905,000 $468,000 $81,985,000 $141,000 $2,760,000
Mortgage Insurance Denied 22 $16,770,000 $762,000 $2,685,000 $219,000 $467,000
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Mortgage Loan Application Totals in 2023 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 65,640 $ 39,602,345,000 $ 603,000 $ 266,000
BAKERSFIELD, CA 24,904 $ 6,267,675,000 $ 251,000 $ 119,000
CHICO, CA 4,997 $ 1,318,585,000 $ 263,000 $ 122,000
EL CENTRO, CA 3,017 $ 858,605,000 $ 284,000 $ 120,000
FRESNO, CA 23,475 $ 6,609,505,000 $ 281,000 $ 137,000
HANFORD-CORCORAN, CA 3,579 $ 960,025,000 $ 268,000 $ 113,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 188,077 $ 118,412,200,000 $ 629,000 $ 241,000
MADERA, CA 4,826 $ 1,424,000,000 $ 295,000 $ 137,000
MERCED, CA 6,215 $ 1,760,000,000 $ 283,000 $ 121,000
MODESTO, CA 12,832 $ 3,943,460,000 $ 307,000 $ 127,000
NAPA, CA 4,141 $ 2,704,865,000 $ 653,000 $ 264,000
OAKLAND-HAYWARD-BERKELEY, CA 71,714 $ 41,659,445,000 $ 580,000 $ 235,000
OXNARD-THOUSAND OAKS-VENTURA, CA 18,225 $ 8,303,340,000 $ 455,000 $ 206,000
REDDING, CA 5,486 $ 1,381,540,000 $ 251,000 $ 121,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 149,160 $ 52,634,695,000 $ 352,000 $ 155,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 69,123 $ 25,905,820,000 $ 374,000 $ 171,000
SALINAS, CA 6,819 $ 3,714,105,000 $ 544,000 $ 218,000
SAN DIEGO-CARLSBAD, CA 82,529 $ 44,172,005,000 $ 535,000 $ 219,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 42,263 $ 39,261,450,000 $ 929,000 $ 353,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 36,665 $ 30,633,335,000 $ 835,000 $ 306,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 6,745 $ 2,916,455,000 $ 432,000 $ 203,000
SAN RAFAEL, CA 9,963 $ 8,726,400,000 $ 875,000 $ 349,000
SANTA CRUZ-WATSONVILLE, CA 4,839 $ 2,729,510,000 $ 564,000 $ 240,000
SANTA MARIA-SANTA BARBARA, CA 8,275 $ 6,090,070,000 $ 736,000 $ 261,000
SANTA ROSA, CA 12,396 $ 6,230,295,000 $ 502,000 $ 207,000
STOCKTON-LODI, CA 22,098 $ 8,253,205,000 $ 373,000 $ 155,000
VALLEJO-FAIRFIELD, CA 13,507 $ 4,729,845,000 $ 350,000 $ 152,000
VISALIA-PORTERVILLE, CA 9,992 $ 2,555,180,000 $ 255,000 $ 119,000
YUBA CITY, CA 5,403 $ 1,568,225,000 $ 290,000 $ 121,000
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Mortgage Loan Application Totals in 2023 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 37,815 $ 23,559,635,000 $ 623,000 $ 248,000
Alpine 77 $ 35,855,000 $ 465,000 $ 308,000
Amador 1,430 $ 380,150,000 $ 265,000 $ 131,000
Butte 4,997 $ 1,318,585,000 $ 263,000 $ 122,000
Calaveras 1,839 $ 521,365,000 $ 283,000 $ 163,000
Colusa 361 $ 85,965,000 $ 238,000 $ 125,000
Contra Costa 33,899 $ 18,099,810,000 $ 533,000 $ 223,000
Del Norte 587 $ 149,165,000 $ 254,000 $ 110,000
El Dorado 6,630 $ 2,647,545,000 $ 399,000 $ 203,000
Fresno 23,475 $ 6,609,505,000 $ 281,000 $ 137,000
Glenn 691 $ 153,095,000 $ 221,000 $ 102,000
Humboldt 2,112 $ 578,190,000 $ 273,000 $ 129,000
Imperial 3,017 $ 858,605,000 $ 284,000 $ 120,000
Inyo 309 $ 77,085,000 $ 249,000 $ 124,000
Kern 24,904 $ 6,267,675,000 $ 251,000 $ 119,000
Kings 3,579 $ 960,025,000 $ 268,000 $ 113,000
Lake 2,104 $ 489,655,000 $ 232,000 $ 117,000
Lassen 640 $ 121,820,000 $ 190,000 $ 106,000
Los Angeles 188,077 $ 118,412,200,000 $ 629,000 $ 241,000
Madera 4,826 $ 1,424,000,000 $ 295,000 $ 137,000
Marin 9,963 $ 8,726,400,000 $ 875,000 $ 349,000
Mariposa 547 $ 157,175,000 $ 287,000 $ 147,000
Mendocino 1,458 $ 471,890,000 $ 323,000 $ 157,000
Merced 6,215 $ 1,760,000,000 $ 283,000 $ 121,000
Modoc 182 $ 32,230,000 $ 177,000 $ 80,000
Mono 640 $ 321,890,000 $ 502,000 $ 384,000
Monterey 6,819 $ 3,714,105,000 $ 544,000 $ 218,000
Napa 4,141 $ 2,704,865,000 $ 653,000 $ 264,000
Nevada 3,638 $ 1,529,930,000 $ 420,000 $ 201,000
Orange 65,640 $ 39,602,345,000 $ 603,000 $ 266,000
Placer 16,451 $ 7,414,415,000 $ 450,000 $ 215,000
Plumas 647 $ 172,305,000 $ 266,000 $ 164,000
Riverside 84,425 $ 31,510,475,000 $ 373,000 $ 165,000
Sacramento 41,800 $ 14,142,015,000 $ 338,000 $ 149,000
San Benito 1,918 $ 869,640,000 $ 453,000 $ 184,000
San Bernardino 64,735 $ 21,124,220,000 $ 326,000 $ 143,000
San Diego 82,529 $ 44,172,005,000 $ 535,000 $ 219,000
San Francisco 24,376 $ 21,753,025,000 $ 892,000 $ 355,000
San Joaquin 22,098 $ 8,253,205,000 $ 373,000 $ 155,000
San Luis Obispo 6,745 $ 2,916,455,000 $ 432,000 $ 203,000
San Mateo 17,887 $ 17,508,425,000 $ 979,000 $ 352,000
Santa Barbara 8,275 $ 6,090,070,000 $ 736,000 $ 261,000
Santa Clara 34,747 $ 29,763,695,000 $ 856,000 $ 313,000
Santa Cruz 4,839 $ 2,729,510,000 $ 564,000 $ 240,000
Shasta 5,486 $ 1,381,540,000 $ 251,000 $ 121,000
Sierra 69 $ 17,385,000 $ 251,000 $ 134,000
Siskiyou 1,067 $ 208,735,000 $ 195,000 $ 109,000
Solano 13,507 $ 4,729,845,000 $ 350,000 $ 152,000
Sonoma 12,396 $ 6,230,295,000 $ 502,000 $ 207,000
Stanislaus 12,832 $ 3,943,460,000 $ 307,000 $ 127,000
Sutter 2,191 $ 590,685,000 $ 269,000 $ 125,000
Tehama 1,840 $ 399,050,000 $ 216,000 $ 104,000
Trinity 286 $ 62,710,000 $ 219,000 $ 121,000
Tulare 9,992 $ 2,555,180,000 $ 255,000 $ 119,000
Tuolumne 1,768 $ 454,270,000 $ 256,000 $ 152,000
Ventura 18,225 $ 8,303,340,000 $ 455,000 $ 206,000
Yolo 4,242 $ 1,701,845,000 $ 401,000 $ 171,000
Yuba 3,212 $ 977,540,000 $ 304,000 $ 119,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into California's 2023 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.

Download the California Lender List