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2024 data HMDA 2024 disclosure official source

Deschutes County

10,077 mortgage applications, 12.9% denial rate. Verify FIPS 41017 with U.S. Census Bureau →

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Oregon · FIPS 41017

Local mortgage market. Deschutes County, Oregon saw 10,077 HMDA-reported mortgage applications in 2024. Lenders originated 5,903 of those loans and denied 1,302, producing a denial rate of 12.9% and an approval (origination) rate of 58.6%. The average loan amount was $393,198 at an average note rate of 7.38%, with applicants self-reporting average annual income of $38K. 284 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.3x, meaning typical borrowers took on mortgages of about 10.3 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 41017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

10,077
Applications
5,903
Originated
12.9%
Denial Rate
58.6%
Approval Rate
$393,198
Avg Loan Amount
7.38%
Avg Interest Rate
$38K
Avg Applicant Income
10.3x
Loan-to-Income Ratio

Nearby Lenders in Deschutes 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 Mid Oregon Federal Credit Union 434 7.4%
2 OnPoint Community Credit Union 405 6.9%
3 Selco Community Credit Union 323 5.5%
4 United Wholesale Mortgage 317 5.4%
5 Loandepot.Com, LLC 279 4.7%
Compare Mid Oregon Federal Credit Union vs OnPoint Community Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Deschutes County?
In the 2024 HMDA reporting year, 10,077 mortgage applications were filed in Deschutes County, Oregon. Of these, 5,903 were originated (approved and funded), while 1,302 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Deschutes County?
The mortgage denial rate in Deschutes County is 12.9%. The approval (origination) rate is 58.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Deschutes County?
The average mortgage loan amount in Deschutes County is $393,198. The average interest rate is 7.376%. The average applicant income is $38K.
What is the loan-to-income ratio in Deschutes County?
The average loan-to-income ratio in Deschutes County is 10.3x, meaning borrowers took on loans averaging 10.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Deschutes County?
The top mortgage lenders in Deschutes County by origination volume are Mid Oregon Federal Credit Union, OnPoint Community Credit Union, Selco Community Credit Union. In total, 284 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.