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2024 data HMDA 2024 disclosure official source

Douglas County

3,884 mortgage applications, 17.3% denial rate. Verify FIPS 41019 with U.S. Census Bureau →

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Oregon · FIPS 41019

Local mortgage market. Douglas County, Oregon saw 3,884 HMDA-reported mortgage applications in 2024. Lenders originated 1,973 of those loans and denied 670, producing a denial rate of 17.3% and an approval (origination) rate of 50.8%. The average loan amount was $239,305 at an average note rate of 7.16%, with applicants self-reporting average annual income of $39K. 172 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 41019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,884
Applications
1,973
Originated
17.3%
Denial Rate
50.8%
Approval Rate
$239,305
Avg Loan Amount
7.16%
Avg Interest Rate
$39K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Douglas 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 Rogue Credit Union 154 7.8%
2 United Wholesale Mortgage 142 7.2%
3 Rocket Mortgage 131 6.6%
4 Umpqua Bank 122 6.2%
5 First Community Credit Union 101 5.1%
Compare Rogue Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Douglas County?
In the 2024 HMDA reporting year, 3,884 mortgage applications were filed in Douglas County, Oregon. Of these, 1,973 were originated (approved and funded), while 670 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Douglas County?
The mortgage denial rate in Douglas County is 17.3%. The approval (origination) rate is 50.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Douglas County?
The average mortgage loan amount in Douglas County is $239,305. The average interest rate is 7.157%. The average applicant income is $39K.
What is the loan-to-income ratio in Douglas County?
The average loan-to-income ratio in Douglas County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Douglas County?
The top mortgage lenders in Douglas County by origination volume are Rogue Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 172 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.