Riverside-San Bernardino-Ontario Mortgage Lending in 2025

Explore mortgage lending activity in Riverside-San Bernardino-Ontario (MSA/MD Code 40140) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 40140
49,555 Loans Originated
• Primary State: California (CA)
• $24.68 Billion Originated Volume
• $495,000 Median Loan
Actionable Applications 65,415 +3.38% vs 2024
Approval Rate 81.40% -0.34 pp vs 2024
Denial Rate 18.60% +0.34 pp vs 2024
Loan Originations 49,555 +2.50% vs 2024
Originated Volume $24.68 Billion +5.41% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 65,415 actionable applications (Actions 1, 2, and 3).

81.40%
18.60%
53,250 approved 12,165 denied
Action 1: Originated
49,555 (75.75%)
Action 2: Approved not accepted
3,695 (5.65%)
Action 3: Denied
12,165 (18.60%)
Action 4: Withdrawn (not in denominator)
16,059 —
Action 5: Incomplete (not in denominator)
5,368 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Riverside-San Bernardino-Ontario Compares

Metro vs. State Baseline (2025)

Metric Riverside-San Bernardino-Ontario California
Actionable Apps 65,415 404,468
Approval Rate 81.40% 84.45%
Denial Rate 18.60% 15.55%
Originations 49,555 322,897
Originated Volume $24.68 Billion $227.16 Billion
Median Loan $495,000 $575,000
Compared against California statewide baseline in 2025.

Lending Trends in Riverside-San Bernardino-Ontario

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 82,949 86,842 +4.69%
Actionable Apps 63,276 65,415 +3.38%
Originations 48,348 49,555 +2.50%
Approval Rate 81.74% 81.40% -0.34 pp
Denial Rate 18.26% 18.60% +0.34 pp
Median Loan $485,000 $495,000 +2.06%
Dollar Volume $23.42 Billion $24.68 Billion +5.41%

Applications by Borrower Income (Riverside-San Bernardino-Ontario)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 19,412 84.79% 15.21%
$150k+ 23,390 88.01% 11.99%
$50k–$99,999 13,444 72.59% 27.41%
<$50k 3,133 54.26% 45.74%
Income unavailable/entity 6,036 78.61% 21.39%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within California (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 40140, anchored in California (CA).
Metro Share of State Apps 16.17%
Metro Share of State Volume 10.87%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore California statewide mortgage activity

Riverside-San Bernardino-Ontario is part of OpenFileData’s statewide coverage of California. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

California Statewide Overview Active Profile
Statewide Actionable Applications: 404,468
Explore California State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

California Profile

Compare all metropolitan areas located in California.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.