The Taylor Weiner Team is a mortgage team based at 1650 Pacific Coast Highway in Seal Beach, California, serving Orange County, Los Angeles and borrowers throughout California. The team originates residential mortgage loans as part of Lower, LLC (NMLS ID# 1124061). This release summarizes the team’s tabulation of 2025 Home Mortgage Disclosure Act (HMDA) data for Orange County, published by the Federal Financial Institutions Examination Council (FFIEC). The tabulation covers 14,454 decided home-purchase applications, sets out the reasons lenders reported for the 1,448 that were denied, and explains what those reasons mean for buyers preparing to apply.
The debt-to-income ratio was the reason lenders cited most often when they denied Orange County home-purchase mortgage applications in 2025, according to a Taylor Weiner Team tabulation of federal HMDA data. Lenders listed debt-to-income on 597 of the 1,443 denials that gave a reason (41.4%). Collateral, which covers the appraisal and the property, was cited on 25.6%, and insufficient cash for the down payment or closing costs on 13.5%. Lenders denied 1,448 of 14,454 decided applications for owner-occupied, first-lien home purchases in the county, a denial rate of 10.0%, up from 9.0% (1,365 of 15,083) in 2024. The source is the FFIEC’s HMDA Data Browser for Orange County, California (county 06059), queried September 23, 2026.
Why were Orange County home-purchase mortgage applications denied in 2025?…