2025 activity year · Official source proof
California mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated55.8% · 572,268
Approved, not accepted4.1% · 42,008
Denied17.3% · 177,363
Withdrawn15.8% · 161,919
File closed for incompleteness6.3% · 64,633
Preapproval denied0.1% · 899
Preapproval approved, not accepted0.7% · 7,152
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
38%Home purchase
- Home purchase37.8%
- Home improvement10.9%
- Other purpose13.1%
- Not applicable0.0%
- Refinancing17.8%
- Cash-out refinancing20.2%
County source proof
Go one level deeper.
County profiles use the same two activity years and application denominator, with an additional minimum-cell publication gate.
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.