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Del Norte County, California
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Del Norte County, California, saw 636 HMDA-reported applications and 327 originations ($93m) in 2024.
That is 34.3 originations per 1,000 households, against 37.7 for California and 48.0 nationally.
The county's denial rate was 27.6%, above the state rate of 24.8%. The median rate spread on originated loans was 0.7 percentage points and 26.0% of originations were 1.5 points or more above the average prime offer rate.
7 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (39), Fairway Independent Mort Corp (30) and Rocket Mortgage (28).
Originations were up 21% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 45 | 39 | $13m | 2.5% | — |
| 2 | Fairway Independent Mort Corp | 45 | 30 | $7.9m | 14.3% | — |
| 3 | Rocket Mortgage | 39 | 28 | $5.9m | 17.6% | — |
| 4 | The Loan Store, Inc | 40 | 25 | $7.2m | 5.3% | — |
| 5 | Tri Counties Bank | 32 | 18 | $1.9m | 32.1% | — |
| 6 | Us Bank, N.A. | 26 | 12 | $1.7m | — | — |
| 7 | 21st Mortgage | 28 | 3 | $395k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 7. Denial rate is denials over decided applications in this county.
Compared with California and the nation
| Measure | This county | California | United States |
|---|---|---|---|
| Denial rate | 27.6% | 24.8% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 26.0% | 19.9% | 15.6% |
| Average originated loan | $284k | $566k | $329k |
| Originations per 1,000 households | 34.3 | 37.7 | 48.0 |
| Home purchase share of originations | 49.8% | 51.2% | 57.0% |
| FHA-insured share | 19.6% | 11.4% | 13.4% |
| VA-guaranteed share | 7.6% | 4.8% | 7.9% |
Rate spread distribution
Share of 300 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: California). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (163)Home improvement 7% (22)Refinancing 11% (35)Cash-out refinancing 20% (64)Other purpose 13% (42)
By type
Conventional 73% (238)FHA 20% (64)VA 8% (25)
Trend by year
ApplicationsOriginations
This countyCalifornia
Questions and answers
Which lenders are most active in Del Norte County, CA?
By 2024 originations: United Wholesale Mortgage (39), Fairway Independent Mort Corp (30), Rocket Mortgage (28), The Loan Store, Inc (25), Tri Counties Bank (18). 7 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Del Norte County?
27.6% of decided applications were denied in 2024, against 24.8% across California and 24.3% nationally.
How many mortgages were originated in Del Norte County in 2024?
327 loans totalling $93m, from 636 applications; 34.3 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 06015; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.