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Loandepot.com, 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.
Loandepot.com, LLC's 2024 HMDA record for California covers 16,618 applications, 9,457 of them originated, worth $4.2bn.
Its denial rate in the state was 25.3%, close to the California rate of 24.8% across all lenders and compared with the lender's national rate of 29.1%.
The median rate spread on its California originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 46% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Loandepot.com, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.3% | 24.8% | 29.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.0% | 19.9% | 16.9% | 15.6% |
| Average originated loan | $441k | $566k | $300k | $329k |
| Home purchase share | 56.6% | 51.2% | 51.5% | 57.0% |
| FHA-insured share | 18.5% | 11.4% | 26.4% | 13.4% |
| VA-guaranteed share | 8.4% | 4.8% | 10.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 57% (5,351)Home improvement 2% (235)Refinancing 6% (540)Cash-out refinancing 15% (1,405)Other purpose 20% (1,926)
By type
Conventional 73% (6,918)FHA 18% (1,746)VA 8% (791)USDA 0% (2)
Denial reasons as coded
Share of 3,271 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 2,507 | 1,616 | $672m | 21.9% |
| Los Angeles County | 2,213 | 1,106 | $495m | 33.2% |
| San Bernardino County | 1,323 | 786 | $295m | 24.7% |
| Sacramento County | 1,070 | 660 | $276m | 17.0% |
| San Diego County | 1,135 | 651 | $336m | 24.5% |
| Orange County | 980 | 548 | $315m | 23.4% |
| San Joaquin County | 853 | 547 | $249m | 14.9% |
| Contra Costa County | 648 | 385 | $209m | 26.7% |
| Placer County | 498 | 325 | $145m | 17.0% |
| Solano County | 453 | 306 | $147m | 15.8% |
| Kern County | 595 | 259 | $78m | 39.2% |
| Alameda County | 442 | 208 | $123m | 28.8% |
| Santa Clara County | 386 | 190 | $124m | 29.9% |
| Stanislaus County | 378 | 190 | $59m | 28.3% |
| Santa Barbara County | 248 | 157 | $71m | 12.7% |
| Yolo County | 172 | 134 | $71m | 9.4% |
| Fresno County | 281 | 132 | $30m | 33.7% |
| Ventura County | 267 | 129 | $48m | 34.5% |
| Sonoma County | 196 | 112 | $55m | 22.1% |
| Yuba County | 178 | 108 | $41m | 24.0% |
| San Luis Obispo County | 172 | 90 | $44m | 25.8% |
| Tulare County | 159 | 87 | $21m | 28.5% |
| Monterey County | 139 | 74 | $36m | 24.5% |
| El Dorado County | 115 | 69 | $27m | 22.0% |
| San Mateo County | 121 | 65 | $39m | 30.3% |
| Merced County | 93 | 51 | $15m | 32.9% |
| San Francisco County | 84 | 45 | $33m | 24.6% |
| Shasta County | 70 | 34 | $5.5m | 33.3% |
| Imperial County | 63 | 34 | $6.7m | 30.0% |
| Madera County | 61 | 28 | $5.9m | 42.0% |
| Marin County | 57 | 28 | $16m | 36.4% |
| Kings County | 52 | 27 | $6.7m | 32.5% |
| San Benito County | 45 | 27 | $14m | 17.6% |
| Napa County | 46 | 22 | $8.9m | 33.3% |
| Mendocino County | 34 | 22 | $6.8m | 29.0% |
| Butte County | 57 | 21 | $4.6m | 45.0% |
| Amador County | 39 | 21 | $5.5m | 23.3% |
| Nevada County | 50 | 20 | $7.9m | 36.4% |
| Calaveras County | 43 | 18 | $4.6m | 43.8% |
| Sutter County | 35 | 18 | $3.6m | 29.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Loandepot.com, LLC originate in California in 2024?
9,457 loans totalling $4.2bn, from 16,618 applications reported for properties in California.
What is Loandepot.com, LLC's denial rate in California?
25.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 29.1% 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 Loandepot.com, LLC lend in most?
By originations: Riverside County (1,616), Los Angeles County (1,106), San Bernardino County (786), Sacramento County (660), San Diego County (651).
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.