Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

8 rankings

County mortgage rankings

Counties with at least 100 home-purchase mortgages in 2025, ranked on what buyers earned, borrowed and paid.

Counties where home buyers earn the most and least

Median household income reported on home-purchase mortgages.

  1. Santa Clara County, CA$358,000
  2. San Mateo County, CA$356,000
  3. Marin County, CA$329,000
  4. New York County, NY$321,000
  5. San Francisco County, CA$304,000

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Largest and smallest home-purchase loans by county

Median loan amount on home-purchase mortgages.

  1. Santa Clara County, CA$1,135,000
  2. San Mateo County, CA$1,095,000
  3. Marin County, CA$985,000
  4. San Francisco County, CA$925,000
  5. Alameda County, CA$805,000

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Highest and lowest financed home values by county

Median property value the lender relied on.

  1. San Mateo County, CA$1,655,000
  2. Santa Clara County, CA$1,655,000
  3. Marin County, CA$1,395,000
  4. San Francisco County, CA$1,345,000
  5. Teton County, WY$1,305,000

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Highest and lowest mortgage loan costs by county

Median total loan costs (Closing Disclosure section D) on conventional purchase loans.

  1. Monroe County, FL$11,330
  2. Kauai County, HI$11,310
  3. Miami-Dade County, FL$11,130
  4. Maui County, HI$10,570
  5. Honolulu County, HI$9,970

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Highest and lowest mortgage rates by county

Median rate on 30-year fixed conventional purchase loans.

  1. Russell County, VA7.125%
  2. Wise County, VA6.990%
  3. Hendry County, FL6.899%
  4. Coffee County, AL6.875%
  5. Covington County, AL6.875%

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Counties with the highest and lowest mortgage denial rates

Denied ÷ completed home-purchase applications.

  1. Washington County, MS25.4%
  2. Grenada County, MS23.5%
  3. Franklin city, VA21.8%
  4. Decatur County, GA21.7%
  5. Hendry County, FL21.6%

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Biggest and smallest down payments by county

100% minus the median combined loan-to-value ratio.

  1. Teton County, WY39.0%
  2. New York County, NY28.6%
  3. Marin County, CA25.0%
  4. San Francisco County, CA25.0%
  5. San Mateo County, CA25.0%

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Where FHA loans are most and least common

FHA loans as a share of home-purchase mortgages.

  1. Starr County, TX69.5%
  2. Webb County, TX68.4%
  3. Ector County, TX67.7%
  4. Maverick County, TX65.9%
  5. Seward County, KS62.7%

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