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2024 data HMDA 2024 disclosure official source

Clackamas County

15,383 mortgage applications, 16.4% denial rate. Verify FIPS 41005 with U.S. Census Bureau →

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Oregon · FIPS 41005

Local mortgage market. Clackamas County, Oregon saw 15,383 HMDA-reported mortgage applications in 2024. Lenders originated 8,347 of those loans and denied 2,522, producing a denial rate of 16.4% and an approval (origination) rate of 54.3%. The average loan amount was $375,096 at an average note rate of 7.53%, with applicants self-reporting average annual income of $39K. 338 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.6x, meaning typical borrowers took on mortgages of about 9.6 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 41005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

15,383
Applications
8,347
Originated
16.4%
Denial Rate
54.3%
Approval Rate
$375,096
Avg Loan Amount
7.53%
Avg Interest Rate
$39K
Avg Applicant Income
9.6x
Loan-to-Income Ratio

Nearby Lenders in Clackamas 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 OnPoint Community Credit Union 1,370 16.4%
2 United Wholesale Mortgage 570 6.8%
3 Guild Mortgage Company 332 4.0%
4 Us Bank, N.A. 324 3.9%
5 Rocket Mortgage 316 3.8%
Compare OnPoint Community Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Clackamas County?
In the 2024 HMDA reporting year, 15,383 mortgage applications were filed in Clackamas County, Oregon. Of these, 8,347 were originated (approved and funded), while 2,522 were denied, resulting in a denial rate of 16.4%.
What is the mortgage denial rate in Clackamas County?
The mortgage denial rate in Clackamas County is 16.4%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clackamas County?
The average mortgage loan amount in Clackamas County is $375,096. The average interest rate is 7.531%. The average applicant income is $39K.
What is the loan-to-income ratio in Clackamas County?
The average loan-to-income ratio in Clackamas County is 9.6x, meaning borrowers took on loans averaging 9.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clackamas County?
The top mortgage lenders in Clackamas County by origination volume are OnPoint Community Credit Union, United Wholesale Mortgage, Guild Mortgage Company. In total, 338 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.