Lenders › Click n' Close, Inc. › California
Click n' Close, Inc. 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.
In California, Click n' Close, Inc. reported 1,560 applications and 183 originations for 2024, $60m in all.
Its denial rate in the state was 7.8%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 5.2%.
The median rate spread on its California originations was 2.6 percentage points (state median 0.4).
Applications in the state were up 449% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Click n' Close, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 7.8% | 24.8% | 5.2% | 24.3% |
| Median rate spread, pp | 2.6 | 0.4 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 100.0% | 19.9% | 100.0% | 15.6% |
| Average originated loan | $326k | $566k | $226k | $329k |
| Home purchase share | 89.1% | 51.2% | 92.1% | 57.0% |
| FHA-insured share | 61.7% | 11.4% | 42.4% | 13.4% |
| VA-guaranteed share | 1.6% | 4.8% | 4.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 89% (163)Refinancing 6% (11)Cash-out refinancing 5% (9)
By type
Conventional 37% (67)FHA 62% (113)VA 2% (3)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 161 | 21 | $8.2m | — |
| Sacramento County | 103 | 21 | $6.3m | — |
| San Bernardino County | 95 | 14 | $4.2m | — |
| San Diego County | 130 | 10 | $4.6m | — |
| Fresno County | 40 | 9 | $2.4m | — |
| Los Angeles County | 321 | 8 | $3.3m | — |
| Kern County | 27 | 7 | $1.7m | — |
| San Joaquin County | 50 | 6 | $1.3m | — |
| Solano County | 47 | 5 | $1.9m | — |
| Contra Costa County | 69 | 4 | $1.6m | — |
| Placer County | 27 | 4 | $1.6m | — |
| Sonoma County | 26 | 4 | $2.7m | — |
| Stanislaus County | 28 | 2 | $540k | — |
| Orange County | 82 | 1 | $765k | — |
| Alameda County | 43 | 1 | $355k | — |
| Ventura County | 34 | 1 | $705k | — |
| Santa Clara County | 31 | 0 | $0 | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Click n' Close, Inc. originate in California in 2024?
183 loans totalling $60m, from 1,560 applications reported for properties in California.
What is Click n' Close, Inc.'s denial rate in California?
7.8% of decided applications in California were denied, against 24.8% for all lenders in the state and 5.2% 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 Click n' Close, Inc. lend in most?
By originations: Riverside County (21), Sacramento County (21), San Bernardino County (14), San Diego County (10), Fresno County (9).
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.