2025 activity year · County-level source proof
Orange County mortgage market
Reported county-level 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?
Originated58.2% · 45,579
Approved, not accepted3.9% · 3,054
Denied16.4% · 12,821
Withdrawn14.9% · 11,639
File closed for incompleteness6.5% · 5,069
Preapproval denied0.0% · 20
Preapproval approved, not accepted0.1% · 106
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
32%Home purchase
- Home purchase31.5%
- Home improvement12.7%
- Other purpose14.5%
- Not applicable0.0%
- Refinancing19.2%
- Cash-out refinancing22.0%
Lender-reported reasons
Why applications were reported denied.
These are historical reason codes reported by lenders—not our assessment of an applicant, a prediction, or evidence of unlawful conduct. A denied application can have more than one reason.
Reason for denial
Share of denied decisions
Debt-to-income ratio47.7% · 6,121
Collateral16.1% · 2,070
Credit application incomplete15.6% · 2,005
Other14.6% · 1,873
Credit history14.0% · 1,793
Unverifiable information6.7% · 857
Insufficient cash4.9% · 631
Employment history1.2% · 152
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
Need help understanding a mortgage decision?
Find official helpA HUD-approved housing counselor can offer independent guidance.
Data provenance
County FIPS 06059, with two reconciled years.
This profile identifies the activity year, cohort rules, aggregate and row-level CSV endpoints, response hashes, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 19, 2026.