Lenders › Plaza Home Mortgage, Inc › California
Plaza Home Mortgage, 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, Plaza Home Mortgage, Inc reported 1,968 applications and 1,112 originations for 2024, $499m in all.
Its denial rate in the state was 30.2%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 27.2%.
The median rate spread on its California originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 31% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Plaza Home Mortgage, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.2% | 24.8% | 27.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.7% | 19.9% | 14.4% | 15.6% |
| Average originated loan | $449k | $566k | $320k | $329k |
| Home purchase share | 59.3% | 51.2% | 77.3% | 57.0% |
| FHA-insured share | 36.2% | 11.4% | 30.3% | 13.4% |
| VA-guaranteed share | 7.0% | 4.8% | 8.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 59% (659)Refinancing 8% (91)Cash-out refinancing 33% (362)
By type
Conventional 57% (631)FHA 36% (403)VA 7% (78)
Denial reasons as coded
Share of 525 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 | 310 | 178 | $113m | 29.6% |
| San Diego County | 200 | 122 | $75m | 28.7% |
| Riverside County | 190 | 92 | $37m | 37.9% |
| Orange County | 133 | 85 | $43m | 24.8% |
| Fresno County | 129 | 71 | $22m | 28.2% |
| Sacramento County | 110 | 67 | $25m | 24.7% |
| San Bernardino County | 112 | 57 | $20m | 35.5% |
| Kern County | 88 | 46 | $13m | 35.5% |
| San Joaquin County | 50 | 33 | $9.3m | 23.3% |
| Placer County | 44 | 32 | $16m | 19.5% |
| Contra Costa County | 66 | 31 | $15m | 37.9% |
| Tulare County | 57 | 31 | $9.8m | 26.1% |
| Alameda County | 40 | 27 | $13m | 17.1% |
| Madera County | 43 | 25 | $8.2m | 27.0% |
| Merced County | 28 | 22 | $6.8m | 17.9% |
| Ventura County | 26 | 16 | $7.7m | — |
| Solano County | 32 | 15 | $6.9m | 46.4% |
| Kings County | 28 | 13 | $4.1m | 40.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Plaza Home Mortgage, Inc originate in California in 2024?
1,112 loans totalling $499m, from 1,968 applications reported for properties in California.
What is Plaza Home Mortgage, Inc's denial rate in California?
30.2% of decided applications in California were denied, against 24.8% for all lenders in the state and 27.2% 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 Plaza Home Mortgage, Inc lend in most?
By originations: Los Angeles County (178), San Diego County (122), Riverside County (92), Orange County (85), Fresno County (71).
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.