Lenders › Carrington Mortgage Services L › California
Carrington Mortgage Services L 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.
Carrington Mortgage Services L's 2024 HMDA record for California covers 3,249 applications, 742 of them originated, worth $284m.
Its denial rate in the state was 60.1%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 52.4%.
The median rate spread on its California originations was 0.7 percentage points (state median 0.4).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Carrington Mortgage Services L, all states | United States |
|---|---|---|---|---|
| Denial rate | 60.1% | 24.8% | 52.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 35.8% | 19.9% | 28.0% | 15.6% |
| Average originated loan | $382k | $566k | $237k | $329k |
| Home purchase share | 22.4% | 51.2% | 19.3% | 57.0% |
| FHA-insured share | 31.8% | 11.4% | 39.6% | 13.4% |
| VA-guaranteed share | 14.7% | 4.8% | 18.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 22% (166)Refinancing 9% (69)Cash-out refinancing 65% (486)Other purpose 3% (21)
By type
Conventional 53% (396)FHA 32% (236)VA 15% (109)USDA 0% (1)
Denial reasons as coded
Share of 1,600 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 | 530 | 128 | $48m | 60.8% |
| Los Angeles County | 581 | 116 | $52m | 62.4% |
| San Bernardino County | 311 | 76 | $24m | 58.6% |
| San Diego County | 305 | 74 | $31m | 57.2% |
| Sacramento County | 174 | 40 | $10m | 58.9% |
| Orange County | 156 | 35 | $27m | 59.2% |
| Fresno County | 127 | 33 | $7.4m | 60.0% |
| Kern County | 134 | 32 | $7.7m | 60.5% |
| San Joaquin County | 76 | 19 | $6.1m | 58.8% |
| Contra Costa County | 84 | 16 | $6.5m | 64.5% |
| Stanislaus County | 61 | 16 | $6.2m | 61.5% |
| Solano County | 55 | 16 | $6.7m | 45.5% |
| Tulare County | 76 | 14 | $3.0m | 67.7% |
| Alameda County | 49 | 11 | $5.3m | 56.8% |
| Santa Clara County | 46 | 11 | $8.4m | 68.4% |
| Ventura County | 42 | 10 | $3.6m | 54.5% |
| Placer County | 30 | 10 | $2.4m | 40.0% |
| Monterey County | 30 | 7 | $2.5m | — |
| Merced County | 34 | 5 | $855k | 63.0% |
| San Luis Obispo County | 26 | 5 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Carrington Mortgage Services L originate in California in 2024?
742 loans totalling $284m, from 3,249 applications reported for properties in California.
What is Carrington Mortgage Services L's denial rate in California?
60.1% of decided applications in California were denied, against 24.8% for all lenders in the state and 52.4% 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 Carrington Mortgage Services L lend in most?
By originations: Riverside County (128), Los Angeles County (116), San Bernardino County (76), San Diego County (74), Sacramento County (40).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.