Linn County
Oregon · FIPS 41043
According to CFPB HMDA 2024 application volume among U.S. counties, Linn County ranks #537 of 3,223, and #8 of 36 in Oregon.
Mortgage lending activity in Linn 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. Linn County, Oregon lenders denied 763 of the applications reported here, financing the rest at an average note rate of 7.40%, with applicants self-reporting average annual income of $39K. 206 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.6x, meaning typical borrowers took on mortgages of about 10.6 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 Linn County
In Linn County, lead originator Oregon State Credit Union funded only 5.9% of 2,458 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Linn County's 4,713 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Linn County's $414,251 average loan (deduped against volume peers).
Lenders active in Linn County
Oregon State Credit Union funded 144 of the 2,458 loans originated in Linn County, 5.9% of the county. 206 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Oregon State Credit Union | 144 | 5.9% |
| 2 | Rocket Mortgage | 142 | 5.8% |
| 3 | United Wholesale Mortgage | 109 | 4.4% |
| 4 | Guild Mortgage Company | 97 | 3.9% |
| 5 | Movement Mortgage, LLC | 95 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Linn 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 Linn 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.