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2024 data HMDA 2024 disclosure official source

Malheur County

768 mortgage applications, 19.8% denial rate. Verify FIPS 41045 with U.S. Census Bureau →

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Oregon · FIPS 41045

Local mortgage market. Malheur County, Oregon saw 768 HMDA-reported mortgage applications in 2024. Lenders originated 353 of those loans and denied 152, producing a denial rate of 19.8% and an approval (origination) rate of 46.0%. The average loan amount was $203,268 at an average note rate of 7.32%, with applicants self-reporting average annual income of $38K. 83 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 41045 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

768
Applications
353
Originated
19.8%
Denial Rate
46.0%
Approval Rate
$203,268
Avg Loan Amount
7.32%
Avg Interest Rate
$38K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Malheur 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 Rogue Credit Union 54 15.3%
2 First Colony Mortgage Corporation 35 9.9%
3 Rocket Mortgage 29 8.2%
4 Guild Mortgage Company 26 7.4%
5 Us Bank, N.A. 12 3.4%
Compare Rogue Credit Union vs First Colony Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Malheur County?
In the 2024 HMDA reporting year, 768 mortgage applications were filed in Malheur County, Oregon. Of these, 353 were originated (approved and funded), while 152 were denied, resulting in a denial rate of 19.8%.
What is the mortgage denial rate in Malheur County?
The mortgage denial rate in Malheur County is 19.8%. The approval (origination) rate is 46.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Malheur County?
The average mortgage loan amount in Malheur County is $203,268. The average interest rate is 7.318%. The average applicant income is $38K.
What is the loan-to-income ratio in Malheur County?
The average loan-to-income ratio in Malheur County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Malheur County?
The top mortgage lenders in Malheur County by origination volume are Rogue Credit Union, First Colony Mortgage Corporation, Rocket Mortgage. In total, 83 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.