Lane County
Oregon · FIPS 41039
According to CFPB HMDA 2024 application volume among U.S. counties, Lane County ranks #242 of 3,223, and #4 of 36 in Oregon.
Mortgage lending activity in Lane 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. Lane County, Oregon lenders denied 1,872 of the applications reported here, financing the rest at an average note rate of 7.41%, with applicants self-reporting average annual income of $38K. 278 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lane County
In Lane County, lead originator Oregon Community Credit Union funded 12.1% of 6,664 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lane County's 11,940 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lane County's $268,127 average loan (deduped against volume peers).
Lenders active in Lane County
Oregon Community Credit Union funded 808 of the 6,664 loans originated in Lane County, 12.1% of the county. 278 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Oregon Community Credit Union | 808 | 12.1% |
| 2 | Selco Community Credit Union | 607 | 9.1% |
| 3 | Summit Funding.Inc | 417 | 6.3% |
| 4 | United Wholesale Mortgage | 388 | 5.8% |
| 5 | Rocket Mortgage | 312 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lane 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 Lane 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.