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Modoc 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.
Modoc County, California, saw 155 HMDA-reported applications and 70 originations ($12m) in 2024.
That is 21.4 originations per 1,000 households, against 37.7 for California and 48.0 nationally.
The county's denial rate was 33.9%, above the state rate of 24.8%. The median rate spread on originated loans was 0.8 percentage points and 16.4% of originations were 1.5 points or more above the average prime offer rate.
Originations were down 11% on 2023.
Most active lenders
No lender reaches 25 applications in the county.
Compared with California and the nation
| Measure | This county | California | United States |
|---|---|---|---|
| Denial rate | 33.9% | 24.8% | 24.3% |
| Median rate spread, pp | 0.8 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.4% | 19.9% | 15.6% |
| Average originated loan | $172k | $566k | $329k |
| Originations per 1,000 households | 21.4 | 37.7 | 48.0 |
| Home purchase share of originations | 58.6% | 51.2% | 57.0% |
| FHA-insured share | 24.3% | 11.4% | 13.4% |
| VA-guaranteed share | 14.3% | 4.8% | 7.9% |
Rate spread distribution
Share of 67 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 59% (41)Home improvement 6% (4)Refinancing 13% (9)Cash-out refinancing 16% (11)Other purpose 7% (5)
By type
Conventional 60% (42)FHA 24% (17)VA 14% (10)USDA 1% (1)
Trend by year
ApplicationsOriginations
This countyCalifornia
Questions and answers
Which lenders are most active in Modoc County, CA?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Modoc County?
33.9% of decided applications were denied in 2024, against 24.8% across California and 24.3% nationally.
How many mortgages were originated in Modoc County in 2024?
70 loans totalling $12m, from 155 applications; 21.4 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 06049; 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.