Lenders › Figure Lending LLC › California
Figure Lending LLC in California
HMDA record for properties in California, calendar year 2024. National record · California overview
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.
Figure Lending LLC's 2024 HMDA record for California covers 13,317 applications, 5,954 of them originated, worth $625m.
Its denial rate in the state was 29.9%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 29.8%.
The median rate spread on its California originations was 3.6 percentage points (state median 0.4).
Applications in the state were up 43% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Figure Lending LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.9% | 24.8% | 29.8% | 24.3% |
| Median rate spread, pp | 3.6 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 95.0% | 19.9% | 96.3% | 15.6% |
| Average originated loan | $105k | $566k | $78k | $329k |
| Home purchase share | 0.0% | 51.2% | 0.0% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home improvement 39% (2,347)Other purpose 61% (3,607)
By type
Conventional 100% (5,954)
Denial reasons as coded
Share of 3,705 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2,696 | 1,113 | $130m | 34.4% |
| San Diego County | 1,477 | 659 | $76m | 30.7% |
| Riverside County | 1,341 | 612 | $57m | 29.0% |
| Orange County | 1,202 | 489 | $69m | 31.5% |
| San Bernardino County | 949 | 428 | $37m | 27.2% |
| Sacramento County | 535 | 260 | $19m | 26.9% |
| Contra Costa County | 493 | 225 | $25m | 25.4% |
| San Joaquin County | 370 | 189 | $17m | 29.3% |
| Fresno County | 349 | 171 | $14m | 26.0% |
| Alameda County | 335 | 159 | $21m | 30.2% |
| Kern County | 325 | 152 | $11m | 25.8% |
| Santa Clara County | 347 | 147 | $25m | 32.3% |
| Ventura County | 286 | 125 | $13m | 30.5% |
| Placer County | 208 | 107 | $10m | 27.6% |
| Stanislaus County | 186 | 97 | $8.0m | 20.8% |
| Tulare County | 162 | 94 | $6.4m | 20.3% |
| Solano County | 160 | 80 | $7.2m | 25.0% |
| Sonoma County | 155 | 65 | $5.8m | 29.5% |
| San Mateo County | 145 | 63 | $9.3m | 32.6% |
| Santa Barbara County | 142 | 59 | $6.8m | 28.8% |
| San Luis Obispo County | 118 | 52 | $4.7m | 32.7% |
| El Dorado County | 106 | 48 | $3.7m | 30.3% |
| Monterey County | 107 | 46 | $4.5m | 26.7% |
| Shasta County | 91 | 42 | $2.9m | 25.3% |
| Marin County | 84 | 42 | $6.4m | 26.9% |
| Merced County | 85 | 38 | $3.1m | 25.6% |
| San Francisco County | 101 | 37 | $6.1m | 33.3% |
| Madera County | 71 | 31 | $2.4m | 36.2% |
| Nevada County | 74 | 28 | $2.3m | 41.4% |
| Butte County | 54 | 27 | $2.4m | 32.1% |
| Yolo County | 50 | 25 | $2.1m | 14.9% |
| Imperial County | 44 | 22 | $1.5m | 26.8% |
| Santa Cruz County | 59 | 21 | $2.4m | 25.0% |
| Kings County | 36 | 20 | $1.4m | 20.6% |
| Napa County | 39 | 18 | $1.8m | 21.6% |
| Yuba County | 36 | 18 | $1.0m | 33.3% |
| Tuolumne County | 30 | 17 | $1.0m | 22.2% |
| Humboldt County | 36 | 16 | $1.2m | 45.7% |
| Sutter County | 32 | 14 | $1.4m | 33.3% |
| Tehama County | 26 | 8 | $310k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Figure Lending LLC originate in California in 2024?
5,954 loans totalling $625m, from 13,317 applications reported for properties in California.
What is Figure Lending LLC's denial rate in California?
29.9% of decided applications in California were denied, against 24.8% for all lenders in the state and 29.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Figure Lending LLC lend in most?
By originations: Los Angeles County (1,113), San Diego County (659), Riverside County (612), Orange County (489), San Bernardino County (428).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.