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2024 data HMDA 2024 disclosure official source

Clatsop County

1,718 mortgage applications, 18.3% denial rate. Verify FIPS 41007 with U.S. Census Bureau →

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Oregon · FIPS 41007

Local mortgage market. Clatsop County, Oregon saw 1,718 HMDA-reported mortgage applications in 2024. Lenders originated 870 of those loans and denied 315, producing a denial rate of 18.3% and an approval (origination) rate of 50.6%. The average loan amount was $328,166 at an average note rate of 7.29%, with applicants self-reporting average annual income of $38K. 160 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.6x, meaning typical borrowers took on mortgages of about 8.6 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 41007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,718
Applications
870
Originated
18.3%
Denial Rate
50.6%
Approval Rate
$328,166
Avg Loan Amount
7.29%
Avg Interest Rate
$38K
Avg Applicant Income
8.6x
Loan-to-Income Ratio

Nearby Lenders in Clatsop 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 Fibre Federal Credit Union 72 8.3%
2 Golden Empire Mortgage, Inc. 62 7.1%
3 Wauna Federal Credit Union 51 5.9%
4 Us Bank, N.A. 47 5.4%
5 Rocket Mortgage 46 5.3%
Compare Fibre Federal Credit Union vs Golden Empire Mortgage, Inc. →

Frequently Asked Questions

How many mortgage applications were filed in Clatsop County?
In the 2024 HMDA reporting year, 1,718 mortgage applications were filed in Clatsop County, Oregon. Of these, 870 were originated (approved and funded), while 315 were denied, resulting in a denial rate of 18.3%.
What is the mortgage denial rate in Clatsop County?
The mortgage denial rate in Clatsop County is 18.3%. The approval (origination) rate is 50.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clatsop County?
The average mortgage loan amount in Clatsop County is $328,166. The average interest rate is 7.295%. The average applicant income is $38K.
What is the loan-to-income ratio in Clatsop County?
The average loan-to-income ratio in Clatsop County is 8.6x, meaning borrowers took on loans averaging 8.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clatsop County?
The top mortgage lenders in Clatsop County by origination volume are Fibre Federal Credit Union, Golden Empire Mortgage, Inc., Wauna Federal Credit Union. In total, 160 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.