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2024 data HMDA 2024 disclosure official source

Hood River County

608 mortgage applications, 14.8% denial rate. Verify FIPS 41027 with U.S. Census Bureau →

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Oregon · FIPS 41027

Local mortgage market. Hood River County, Oregon saw 608 HMDA-reported mortgage applications in 2024. Lenders originated 317 of those loans and denied 90, producing a denial rate of 14.8% and an approval (origination) rate of 52.1%. The average loan amount was $341,464 at an average note rate of 7.67%, with applicants self-reporting average annual income of $38K. 88 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.0x, meaning typical borrowers took on mortgages of about 9.0 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 41027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

608
Applications
317
Originated
14.8%
Denial Rate
52.1%
Approval Rate
$341,464
Avg Loan Amount
7.67%
Avg Interest Rate
$38K
Avg Applicant Income
9.0x
Loan-to-Income Ratio

Nearby Lenders in Hood River 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 Consolidated Community Credit 33 10.4%
2 United Wholesale Mortgage 25 7.9%
3 Directors Mortgage, Inc. 21 6.6%
4 Rocket Mortgage 17 5.4%
5 Keybank National Association 15 4.7%
Compare Consolidated Community Credit vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hood River County?
In the 2024 HMDA reporting year, 608 mortgage applications were filed in Hood River County, Oregon. Of these, 317 were originated (approved and funded), while 90 were denied, resulting in a denial rate of 14.8%.
What is the mortgage denial rate in Hood River County?
The mortgage denial rate in Hood River County is 14.8%. The approval (origination) rate is 52.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hood River County?
The average mortgage loan amount in Hood River County is $341,464. The average interest rate is 7.669%. The average applicant income is $38K.
What is the loan-to-income ratio in Hood River County?
The average loan-to-income ratio in Hood River County is 9.0x, meaning borrowers took on loans averaging 9.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hood River County?
The top mortgage lenders in Hood River County by origination volume are Consolidated Community Credit, United Wholesale Mortgage, Directors Mortgage, Inc.. In total, 88 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.