2025 activity year · County-level source proof
Los Angeles 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?
Originated53.8% · 106,684
Approved, not accepted4.4% · 8,666
Denied18.5% · 36,720
Withdrawn16.3% · 32,243
File closed for incompleteness6.8% · 13,408
Preapproval denied0.0% · 82
Preapproval approved, not accepted0.2% · 441
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
33%Home purchase
- Home purchase33.1%
- Home improvement12.3%
- Other purpose13.6%
- Not applicable0.0%
- Refinancing17.6%
- Cash-out refinancing23.2%
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 ratio42.5% · 15,644
Collateral17.7% · 6,502
Credit history16.8% · 6,171
Credit application incomplete16.3% · 5,987
Other15.7% · 5,782
Unverifiable information7.1% · 2,616
Insufficient cash5.2% · 1,912
Employment history1.2% · 429
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 06037, 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 2, 2026.