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2024 data HMDA 2024 disclosure official source

Baker County

617 mortgage applications, 19.1% denial rate. Verify FIPS 41001 with U.S. Census Bureau →

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Oregon · FIPS 41001

Local mortgage market. Baker County, Oregon saw 617 HMDA-reported mortgage applications in 2024. Lenders originated 286 of those loans and denied 118, producing a denial rate of 19.1% and an approval (origination) rate of 46.4%. The average loan amount was $217,334 at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 41001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

617
Applications
286
Originated
19.1%
Denial Rate
46.4%
Approval Rate
$217,334
Avg Loan Amount
7.30%
Avg Interest Rate
$37K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Baker County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Umpqua Bank 37 12.9%
2 Banner Bank 28 9.8%
3 Panorama Mortgage Group, LLC 26 9.1%
4 Rocket Mortgage 20 7.0%
5 Newrez LLC 17 5.9%
Compare Umpqua Bank vs Banner Bank →

Frequently Asked Questions

How many mortgage applications were filed in Baker County?
In the 2024 HMDA reporting year, 617 mortgage applications were filed in Baker County, Oregon. Of these, 286 were originated (approved and funded), while 118 were denied, resulting in a denial rate of 19.1%.
What is the mortgage denial rate in Baker County?
The mortgage denial rate in Baker County is 19.1%. The approval (origination) rate is 46.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Baker County?
The average mortgage loan amount in Baker County is $217,334. The average interest rate is 7.298%. The average applicant income is $37K.
What is the loan-to-income ratio in Baker County?
The average loan-to-income ratio in Baker County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Baker County?
The top mortgage lenders in Baker County by origination volume are Umpqua Bank, Banner Bank, Panorama Mortgage Group, LLC. In total, 76 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.