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2024 data HMDA 2024 disclosure official source

Lane County

11,940 mortgage applications, 15.7% denial rate. Verify FIPS 41039 with U.S. Census Bureau →

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Oregon · FIPS 41039

Local mortgage market. Lane County, Oregon saw 11,940 HMDA-reported mortgage applications in 2024. Lenders originated 6,664 of those loans and denied 1,872, producing a denial rate of 15.7% and an approval (origination) rate of 55.8%. The average loan amount was $268,127 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.

FIPS 41039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,940
Applications
6,664
Originated
15.7%
Denial Rate
55.8%
Approval Rate
$268,127
Avg Loan Amount
7.41%
Avg Interest Rate
$38K
Avg Applicant Income
7.1x
Loan-to-Income Ratio

Nearby Lenders in Lane 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 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%
Compare Oregon Community Credit Union vs Selco Community Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Lane County?
In the 2024 HMDA reporting year, 11,940 mortgage applications were filed in Lane County, Oregon. Of these, 6,664 were originated (approved and funded), while 1,872 were denied, resulting in a denial rate of 15.7%.
What is the mortgage denial rate in Lane County?
The mortgage denial rate in Lane County is 15.7%. The approval (origination) rate is 55.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lane County?
The average mortgage loan amount in Lane County is $268,127. The average interest rate is 7.406%. The average applicant income is $38K.
What is the loan-to-income ratio in Lane County?
The average loan-to-income ratio in Lane County is 7.1x, meaning borrowers took on loans averaging 7.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lane County?
The top mortgage lenders in Lane County by origination volume are Oregon Community Credit Union, Selco Community Credit Union, Summit Funding.Inc. In total, 278 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.