Marin County, CA: mortgage lenders, denial rate and originations, 2024

States › California › Marin County

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 5,587 mortgage applications in Marin County, California, for 2024, and originated 3,367 loans worth $2.9bn.

That is 32.7 originations per 1,000 households, against 37.7 for California and 48.0 nationally.

The county's denial rate was 21.3%, below the state rate of 24.8%. The median rate spread on originated loans was 0.3 percentage points and 14.5% of originations were 1.5 points or more above the average prime offer rate.

42 lenders reached 25 applications in the county; the most active by originations were Redwood Credit Union (264), Wells Fargo Bank NA (217) and Rocket Mortgage (193).

Originations were up 6% on 2023.

5,587applications, 2024

3,367loans originated$2.9bn

21.3%denial rateCA 24.8% · US 24.3%

32.7originations per 1,000 householdsCA 37.7 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Redwood Credit Union	448	264	$80m	23.5%	—
2	Wells Fargo Bank NA	311	217	$297m	13.8%	—
3	Rocket Mortgage	261	193	$118m	17.4%	—
4	Bank of America NA	370	192	$150m	33.4%	—
5	United Wholesale Mortgage	242	180	$118m	14.2%	—
6	Us Bank, N.A.	283	163	$142m	29.7%	—
7	Crosscountry Mortgage, LLC	161	115	$113m	0.8%	—
8	JPMorgan Chase Bank, NA	145	92	$160m	12.5%	—
9	Guaranteed Rate, Inc.	118	79	$72m	11.0%	—
10	BMO Harris Bank NA	133	78	$75m	29.7%	—
11	Bank of Marin	123	77	$17m	24.8%	—
12	Morgan Stanley Private Bank NA	92	73	$105m	2.5%	—
13	American Pacific Mortgage Corporation	86	68	$46m	6.8%	—
14	PNC Bank N.A.	105	65	$188m	20.2%	—
15	Charles Schwab Bank, Ssb	66	62	$66m	4.5%	—
16	Citibank, NA	81	47	$69m	20.0%	—
17	Originpoint, LLC	83	45	$59m	17.5%	—
18	Guaranteed Rate Affinity, LLC	59	43	$36m	4.2%	—
19	Figure Lending LLC	84	42	$6.4m	26.9%	—
20	Patelco Credit Union	71	41	$12m	24.1%	—
21	Everett Financial, Inc.	47	39	$33m	2.5%	—
22	Third Federal Savings and Loan	67	38	$7.8m	32.2%	—
23	Mason-McDuffie Mortgage Corporation	46	38	$30m	2.6%	—
24	New American Funding, LLC.	49	31	$23m	11.1%	—
25	Pennymac Loan Services LLC	45	30	$25m	13.5%	—
26	Newrez LLC	64	29	$19m	14.7%	—
27	The Loan Store, Inc	44	29	$18m	11.9%	—
28	Loandepot.com, LLC	57	28	$16m	36.4%	—
29	Fremont Bank	43	28	$10m	18.9%	—
30	Spring Eq, LLC	115	26	$4.6m	71.6%	—
31	Mutual of Omaha Mortgage	35	26	$17m	3.7%	—
32	Umpqua Bank	38	25	$10m	21.2%	—
33	Finance of America Reverse LLC	41	22	$18m	17.9%	—
34	San Francisco Fire Credit Union	35	18	$3.1m	27.3%	—
35	Flagstar Bank NA	31	18	$13m	35.7%	—
36	Navy Federal Credit Union	26	16	$12m	—	—
37	The Golden 1 Credit Union	28	15	$6.1m	—	—
38	Bethpage Federal Credit Union	28	13	$6.8m	50.0%	—
39	Pentagon Federal Credit Unioin	25	11	$3.7m	—	—
40	Coastal Community Bank	63	10	$1.5m	2.3%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 42. Denial rate is denials over decided applications in this county.

Compared with California and the nation

Measure	This county	California	United States
Denial rate	21.3%	24.8%	24.3%
Median rate spread, pp	0.3	0.4	0.3
Originations with spread of 1.5 pp or more	14.5%	19.9%	15.6%
Average originated loan	$863k	$566k	$329k
Originations per 1,000 households	32.7	37.7	48.0
Home purchase share of originations	46.2%	51.2%	57.0%
FHA-insured share	2.2%	11.4%	13.4%
VA-guaranteed share	0.9%	4.8%	7.9%

Rate spread distribution

Below 0 pp35%

0 to 0.5 pp25.2%

0.5 to 1 pp15.7%

1 to 1.5 pp9.7%

1.5 to 3 pp10.8%

3 or more pp3.7%

Share of 2,975 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 46% (1,557)Home improvement 14% (478)Refinancing 17% (569)Cash-out refinancing 12% (411)Other purpose 10% (350)

By type

Conventional 97% (3,263)FHA 2% (74)VA 1% (30)

Trend by year

ApplicationsOriginations

Applications and originations in Marin County, 2022–2024

This countyCalifornia

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Marin County, CA?

By 2024 originations: Redwood Credit Union (264), Wells Fargo Bank NA (217), Rocket Mortgage (193), Bank of America NA (192), United Wholesale Mortgage (180). 42 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Marin County?

21.3% of decided applications were denied in 2024, against 24.8% across California and 24.3% nationally.

How many mortgages were originated in Marin County in 2024?

3,367 loans totalling $2.9bn, from 5,587 applications; 32.7 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 06041; 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.