Harney County
Oregon · FIPS 41025
According to CFPB HMDA 2024 application volume among U.S. counties, Harney County ranks #2,540 of 3,223, and #31 of 36 in Oregon.
Mortgage lending activity in Harney County, Oregon based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Harney County, Oregon lenders denied 43 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Harney County
In Harney County, lead originator Umpqua Bank funded 17.5% of 114 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Harney County's 222 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harney County's $160,360 average loan (deduped against volume peers).
Lenders active in Harney County
Umpqua Bank funded 20 of the 114 loans originated in Harney County, 17.5% of the county. 44 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Harney County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Harney County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.