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Humboldt 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.
Lenders reported 2,110 mortgage applications in Humboldt County, California, for 2024, and originated 1,133 loans worth $326m.
That is 20.6 originations per 1,000 households, against 37.7 for California and 48.0 nationally.
The county's denial rate was 27.1%, above the state rate of 24.8%. The median rate spread on originated loans was 0.5 percentage points and 19.1% of originations were 1.5 points or more above the average prime offer rate.
21 lenders reached 25 applications in the county; the most active by originations were Fairway Independent Mort Corp (140), United Wholesale Mortgage (139) and Rocket Mortgage (92).
Originations were up 13% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mort Corp | 183 | 140 | $49m | 4.1% | — |
| 2 | United Wholesale Mortgage | 196 | 139 | $47m | 15.0% | — |
| 3 | Rocket Mortgage | 123 | 92 | $24m | 18.4% | — |
| 4 | Luminate Home Loans, Inc. | 95 | 77 | $27m | 3.8% | — |
| 5 | Summit Funding.Inc | 73 | 53 | $18m | 5.4% | — |
| 6 | Umpqua Bank | 71 | 45 | $9.0m | 19.7% | — |
| 7 | Florida Capital Bank, N.A | 49 | 44 | $16m | 2.1% | — |
| 8 | Us Bank, N.A. | 84 | 31 | $4.1m | 57.5% | — |
| 9 | Tri Counties Bank | 61 | 24 | $4.0m | 52.8% | — |
| 10 | Newrez LLC | 48 | 23 | $6.8m | 17.9% | — |
| 11 | Pennymac Loan Services LLC | 38 | 20 | $5.6m | 23.1% | — |
| 12 | Figure Lending LLC | 36 | 16 | $1.2m | 45.7% | — |
| 13 | New American Funding, LLC. | 36 | 13 | $3.2m | — | — |
| 14 | Loandepot.com, LLC | 28 | 11 | $2.5m | — | — |
| 15 | Mortgage Research Center | 28 | 10 | $3.3m | — | — |
| 16 | Bank of America NA | 25 | 9 | $1.4m | — | — |
| 17 | Discover Bank | 49 | 8 | $640k | 79.5% | — |
| 18 | Spring Eq, LLC | 43 | 8 | $520k | 77.1% | — |
| 19 | Navy Federal Credit Union | 25 | 7 | $2.0m | — | — |
| 20 | 21st Mortgage | 39 | 5 | $545k | — | — |
| 21 | Amerisave Mortgage Company | 51 | 4 | $320k | 91.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 21. Denial rate is denials over decided applications in this county.
Compared with California and the nation
| Measure | This county | California | United States |
|---|---|---|---|
| Denial rate | 27.1% | 24.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.1% | 19.9% | 15.6% |
| Average originated loan | $288k | $566k | $329k |
| Originations per 1,000 households | 20.6 | 37.7 | 48.0 |
| Home purchase share of originations | 60.4% | 51.2% | 57.0% |
| FHA-insured share | 13.7% | 11.4% | 13.4% |
| VA-guaranteed share | 5.6% | 4.8% | 7.9% |
Rate spread distribution
Share of 1,028 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 60% (684)Home improvement 6% (71)Refinancing 10% (111)Cash-out refinancing 16% (180)Other purpose 8% (87)
By type
Conventional 81% (914)FHA 14% (155)VA 6% (63)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyCalifornia
Questions and answers
Which lenders are most active in Humboldt County, CA?
By 2024 originations: Fairway Independent Mort Corp (140), United Wholesale Mortgage (139), Rocket Mortgage (92), Luminate Home Loans, Inc. (77), Summit Funding.Inc (53). 21 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Humboldt County?
27.1% of decided applications were denied in 2024, against 24.8% across California and 24.3% nationally.
How many mortgages were originated in Humboldt County in 2024?
1,133 loans totalling $326m, from 2,110 applications; 20.6 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 06023; 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.