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2024 data HMDA 2024 disclosure official source

Harney County

222 mortgage applications, 19.4% denial rate. Verify FIPS 41025 with U.S. Census Bureau →

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Oregon · FIPS 41025

Local mortgage market. Harney County, Oregon saw 222 HMDA-reported mortgage applications in 2024. Lenders originated 114 of those loans and denied 43, producing a denial rate of 19.4% and an approval (origination) rate of 51.4%. The average loan amount was $160,360 at an average note rate of 7.06%, with applicants self-reporting average annual income of $36K. 44 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 41025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

222
Applications
114
Originated
19.4%
Denial Rate
51.4%
Approval Rate
$160,360
Avg Loan Amount
7.06%
Avg Interest Rate
$36K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Harney 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 20 17.5%
2 Selco Community Credit Union 7 6.1%
3 Mortgage Research Center 7 6.1%
4 Rocket Mortgage 7 6.1%
5 Us Bank, N.A. 6 5.3%
Compare Umpqua Bank vs Selco Community Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Harney County?
In the 2024 HMDA reporting year, 222 mortgage applications were filed in Harney County, Oregon. Of these, 114 were originated (approved and funded), while 43 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in Harney County?
The mortgage denial rate in Harney County is 19.4%. The approval (origination) rate is 51.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Harney County?
The average mortgage loan amount in Harney County is $160,360. The average interest rate is 7.062%. The average applicant income is $36K.
What is the loan-to-income ratio in Harney County?
The average loan-to-income ratio in Harney County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Harney County?
The top mortgage lenders in Harney County by origination volume are Umpqua Bank, Selco Community Credit Union, Mortgage Research Center. In total, 44 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.