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Orange 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.
Orange County, California, saw 68,696 HMDA-reported applications and 39,226 originations ($27bn) in 2024.
That is 36.2 originations per 1,000 households, against 37.7 for California and 48.0 nationally.
The county's denial rate was 22.9%, close to the state rate of 24.8%. The median rate spread on originated loans was 0.4 percentage points and 19.4% of originations were 1.5 points or more above the average prime offer rate.
223 lenders reached 25 applications in the county; the most active by originations were Schoolsfirst FCU (4,207), United Wholesale Mortgage (3,702) and Rocket Mortgage (2,744).
Originations were up 19% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Schoolsfirst FCU | 5,481 | 4,207 | $971m | 10.8% | — |
| 2 | United Wholesale Mortgage | 5,096 | 3,702 | $2.6bn | 14.3% | — |
| 3 | Rocket Mortgage | 3,717 | 2,744 | $1.7bn | 17.6% | — |
| 4 | Us Bank, N.A. | 3,703 | 1,969 | $1.6bn | 34.4% | — |
| 5 | Bank of America NA | 3,648 | 1,643 | $883m | 37.1% | — |
| 6 | Orange County'S Credit Union | 1,372 | 803 | $152m | 28.1% | — |
| 7 | JPMorgan Chase Bank, NA | 1,224 | 753 | $1.3bn | 12.4% | — |
| 8 | East West Bank | 925 | 665 | $605m | 5.9% | — |
| 9 | Loandepot.com, LLC | 980 | 548 | $315m | 23.4% | — |
| 10 | AmWest Funding Corp | 884 | 528 | $344m | 10.8% | — |
| 11 | Figure Lending LLC | 1,202 | 489 | $69m | 31.5% | — |
| 12 | Spring Eq, LLC | 1,567 | 473 | $81m | 64.1% | — |
| 13 | Crosscountry Mortgage, LLC | 696 | 464 | $378m | 2.3% | — |
| 14 | Wescom Central Credit Union | 852 | 461 | $136m | 29.8% | — |
| 15 | Pennymac Loan Services LLC | 836 | 459 | $318m | 21.7% | — |
| 16 | Wells Fargo Bank NA | 937 | 450 | $1.2bn | 25.0% | — |
| 17 | Citibank, NA | 850 | 417 | $469m | 18.6% | — |
| 18 | Nmsi, Inc. | 406 | 406 | $304m | 0.0% | — |
| 19 | Lennar Mortgage, LLC | 587 | 403 | $273m | 5.8% | — |
| 20 | Navy Federal Credit Union | 955 | 385 | $114m | 38.9% | — |
| 21 | The Loan Store, Inc | 645 | 372 | $207m | 19.5% | — |
| 22 | New Wave Lending Group Inc | 531 | 369 | $261m | 0.5% | — |
| 23 | BMO Harris Bank NA | 914 | 362 | $355m | 45.8% | — |
| 24 | New American Funding, LLC. | 713 | 303 | $168m | 17.5% | — |
| 25 | Guaranteed Rate, Inc. | 537 | 298 | $229m | 8.8% | — |
| 26 | Finance of America Reverse LLC | 390 | 289 | $184m | 11.4% | — |
| 27 | Ocmbc, Inc. | 490 | 270 | $198m | 11.9% | — |
| 28 | Eagle Community Credit Union | 297 | 268 | $45m | 0.0% | — |
| 29 | Third Federal Savings and Loan | 577 | 267 | $50m | 46.2% | — |
| 30 | PNC Bank N.A. | 519 | 254 | $306m | 34.3% | — |
| 31 | Flagstar Bank NA | 463 | 247 | $165m | 31.7% | — |
| 32 | Movement Mortgage, LLC | 371 | 243 | $208m | 7.3% | — |
| 33 | Zions Bancorporation, N.A. | 417 | 239 | $190m | 27.2% | — |
| 34 | Emet Lending Group, Inc. | 264 | 226 | $199m | 0.0% | — |
| 35 | Nuvision Federal Credit Union | 371 | 221 | $84m | 32.8% | — |
| 36 | CMG Mortgage Inc | 375 | 218 | $158m | 9.0% | — |
| 37 | Newrez LLC | 673 | 207 | $119m | 43.9% | — |
| 38 | Kiavi Funding, Inc. | 261 | 205 | $216m | 8.3% | — |
| 39 | Coastal Community Bank | 989 | 196 | $23m | 2.9% | — |
| 40 | Mega Capital Funding, Inc. | 198 | 192 | $135m | 0.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 223. Denial rate is denials over decided applications in this county.
Compared with California and the nation
| Measure | This county | California | United States |
|---|---|---|---|
| Denial rate | 22.9% | 24.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.4% | 19.9% | 15.6% |
| Average originated loan | $701k | $566k | $329k |
| Originations per 1,000 households | 36.2 | 37.7 | 48.0 |
| Home purchase share of originations | 42.1% | 51.2% | 57.0% |
| FHA-insured share | 4.1% | 11.4% | 13.4% |
| VA-guaranteed share | 1.7% | 4.8% | 7.9% |
Rate spread distribution
Share of 34,420 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 42% (16,522)Home improvement 13% (5,052)Refinancing 14% (5,367)Cash-out refinancing 19% (7,529)Other purpose 12% (4,728)
By type
Conventional 94% (36,965)FHA 4% (1,598)VA 2% (663)
Trend by year
ApplicationsOriginations
This countyCalifornia
Questions and answers
Which lenders are most active in Orange County, CA?
By 2024 originations: Schoolsfirst FCU (4,207), United Wholesale Mortgage (3,702), Rocket Mortgage (2,744), Us Bank, N.A. (1,969), Bank of America NA (1,643). 223 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Orange County?
22.9% of decided applications were denied in 2024, against 24.8% across California and 24.3% nationally.
How many mortgages were originated in Orange County in 2024?
39,226 loans totalling $27bn, from 68,696 applications; 36.2 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 06059; 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.