Lenders › Rocket Mortgage › California
Rocket Mortgage 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.
Rocket Mortgage's 2024 HMDA record for California covers 50,868 applications, 37,412 of them originated, worth $17bn.
Its denial rate in the state was 17.9%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 18.2%.
The median rate spread on its California originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 28% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Rocket Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.9% | 24.8% | 18.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.9% | 19.9% | 17.8% | 15.6% |
| Average originated loan | $456k | $566k | $270k | $329k |
| Home purchase share | 46.6% | 51.2% | 38.0% | 57.0% |
| FHA-insured share | 11.5% | 11.4% | 18.5% | 13.4% |
| VA-guaranteed share | 5.0% | 4.8% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 47% (17,444)Home improvement 1% (401)Refinancing 11% (3,940)Cash-out refinancing 39% (14,439)Other purpose 3% (1,188)
By type
Conventional 84% (31,245)FHA 11% (4,293)VA 5% (1,874)
Denial reasons as coded
Share of 8,312 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 | 9,881 | 7,009 | $3.8bn | 20.6% |
| Riverside County | 4,563 | 3,345 | $1.3bn | 18.0% |
| San Diego County | 4,514 | 3,301 | $1.7bn | 17.2% |
| Orange County | 3,717 | 2,744 | $1.7bn | 17.6% |
| San Bernardino County | 3,349 | 2,426 | $802m | 19.6% |
| Sacramento County | 2,848 | 2,154 | $768m | 15.9% |
| Alameda County | 2,048 | 1,570 | $983m | 15.5% |
| Contra Costa County | 1,949 | 1,479 | $776m | 15.6% |
| Santa Clara County | 1,801 | 1,322 | $910m | 17.6% |
| Kern County | 1,569 | 1,163 | $305m | 18.0% |
| San Joaquin County | 1,517 | 1,098 | $383m | 18.1% |
| Fresno County | 1,377 | 1,005 | $270m | 19.2% |
| Ventura County | 1,128 | 850 | $414m | 16.2% |
| Placer County | 957 | 754 | $301m | 12.4% |
| Stanislaus County | 869 | 658 | $187m | 14.8% |
| Solano County | 806 | 616 | $216m | 15.6% |
| San Mateo County | 624 | 471 | $299m | 18.3% |
| Sonoma County | 577 | 446 | $199m | 14.1% |
| Tulare County | 558 | 409 | $89m | 18.3% |
| San Francisco County | 492 | 373 | $241m | 16.5% |
| El Dorado County | 460 | 365 | $152m | 13.3% |
| Monterey County | 369 | 261 | $107m | 20.1% |
| Merced County | 322 | 231 | $64m | 19.2% |
| Santa Barbara County | 310 | 230 | $91m | 18.5% |
| San Luis Obispo County | 309 | 229 | $88m | 14.9% |
| Yolo County | 257 | 210 | $77m | 12.3% |
| Santa Cruz County | 266 | 200 | $115m | 15.7% |
| Shasta County | 272 | 195 | $48m | 15.3% |
| Marin County | 261 | 193 | $118m | 17.4% |
| Butte County | 256 | 183 | $51m | 20.7% |
| Madera County | 252 | 169 | $44m | 24.9% |
| Nevada County | 199 | 156 | $53m | 12.2% |
| Kings County | 181 | 137 | $33m | 18.1% |
| Imperial County | 187 | 134 | $27m | 20.7% |
| Tuolumne County | 164 | 122 | $30m | 15.3% |
| Sutter County | 151 | 120 | $36m | 13.4% |
| Calaveras County | 157 | 119 | $33m | 16.6% |
| Yuba County | 167 | 116 | $33m | 21.8% |
| Napa County | 145 | 110 | $48m | 13.5% |
| Lake County | 148 | 99 | $26m | 26.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Rocket Mortgage originate in California in 2024?
37,412 loans totalling $17bn, from 50,868 applications reported for properties in California.
What is Rocket Mortgage's denial rate in California?
17.9% of decided applications in California were denied, against 24.8% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?
By originations: Los Angeles County (7,009), Riverside County (3,345), San Diego County (3,301), Orange County (2,744), San Bernardino County (2,426).
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.