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Mortgage Lending in Orange County, CA, 2025
Home loan applications, approvals and denials (HMDA)
- Applications, 2025
- 78,138
- Loans made
- 45,566
- $34.72B in total
- Denial rate
- 20.9%
- Of applications with a decision
- Average loan
- $762,000
- Loans made
By loan purpose
Applications in 2025 by what the loan was for
Swipe the table sideways to see more columns.
| Purpose | Applications | Loans made | Denial rate | Average loan |
|---|---|---|---|---|
| Home purchase | 24,548 | 16,222 | 11.7% | $980,000 |
| Home improvement | 9,977 | 5,251 | 29.5% | $241,000 |
| Refinance | 15,069 | 9,260 | 17.8% | $1,067,000 |
| Cash-out refinance | 17,206 | 9,734 | 23.0% | $603,000 |
| Other purpose | 11,338 | 5,099 | 33.8% | $356,000 |
By loan type
Conventional loans and government-backed loans
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| Loan type | Applications | Loans made | Denial rate | Average loan |
|---|---|---|---|---|
| Conventional | 73,708 | 43,150 | 20.9% | $762,000 |
| FHA | 2,992 | 1,610 | 22.3% | $687,000 |
| VA | 1,459 | 817 | 18.2% | $935,000 |
| USDA (RHS or FSA) | 3 | 2 | Not shown | Not shown |
Lenders with the most HMDA records in Orange County
673 lenders reported. Counts include every application outcome and loans bought from other lenders.
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| # | Lender | Records |
|---|---|---|
| 1 | Schoolsfirst | 6,427 |
| 2 | United Shore Financial Services, LLC | 5,243 |
| 3 | Rocket Mortgage, LLC | 4,486 |
| 4 | Bank of America, National Association | 4,163 |
| 5 | JPMorgan Chase Bank, National Association | 4,114 |
| 6 | U.S. Bank National Association | 4,005 |
| 7 | Pennymac Loan Services, LLC | 2,131 |
| 8 | Spring Eq, LLC | 1,713 |
| 9 | Figure Lending LLC | 1,617 |
| 10 | Orange County's Credit Union | 1,399 |
Frequently asked questions
- What is HMDA data?
- Under the Home Mortgage Disclosure Act, most mortgage lenders report every home loan application they receive and what happened to it. The data covers purchases, refinances and home improvement loans. DatenUS shows totals for each area only, not individual applications.
- How is the denial rate calculated?
- The denial rate is the number of denied applications divided by applications that reached a decision: loans made, applications approved but not accepted, and denied applications. Withdrawn and incomplete applications are left out. Rates are not shown when fewer than 20 applications reached a decision.
Source: Consumer Financial Protection Bureau and FFIEC, HMDA Data Browser · 2025 data