2025 activity year · County-level source proof
San Diego 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?
Originated55.9% · 52,507
Approved, not accepted4.1% · 3,865
Denied17.0% · 15,941
Withdrawn16.3% · 15,319
File closed for incompleteness6.5% · 6,062
Preapproval denied0.1% · 49
Preapproval approved, not accepted0.2% · 167
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
35%Home purchase
- Home purchase34.9%
- Home improvement12.9%
- Other purpose12.9%
- Not applicable0.0%
- Refinancing19.2%
- Cash-out refinancing20.0%
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 ratio41.9% · 6,706
Credit application incomplete17.6% · 2,819
Collateral17.1% · 2,734
Other16.4% · 2,626
Credit history15.6% · 2,494
Unverifiable information6.4% · 1,027
Insufficient cash5.1% · 819
Employment history1.7% · 264
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
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Data provenance
County FIPS 06073, 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.