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2024 data HMDA 2024 disclosure official source

Marion County

11,230 mortgage applications, 15.9% denial rate. Verify FIPS 41047 with U.S. Census Bureau →

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Oregon · FIPS 41047

Local mortgage market. Marion County, Oregon saw 11,230 HMDA-reported mortgage applications in 2024. Lenders originated 5,896 of those loans and denied 1,790, producing a denial rate of 15.9% and an approval (origination) rate of 52.5%. The average loan amount was $282,763 at an average note rate of 7.35%, with applicants self-reporting average annual income of $39K. 291 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 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 41047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,230
Applications
5,896
Originated
15.9%
Denial Rate
52.5%
Approval Rate
$282,763
Avg Loan Amount
7.35%
Avg Interest Rate
$39K
Avg Applicant Income
7.3x
Loan-to-Income Ratio

Nearby Lenders in Marion 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 Marion & Polk Schools Credit Union 445 7.5%
2 Guild Mortgage Company 388 6.6%
3 Rocket Mortgage 346 5.9%
4 United Wholesale Mortgage 273 4.6%
5 OnPoint Community Credit Union 242 4.1%
Compare Marion & Polk Schools Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Marion County?
In the 2024 HMDA reporting year, 11,230 mortgage applications were filed in Marion County, Oregon. Of these, 5,896 were originated (approved and funded), while 1,790 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Marion County?
The mortgage denial rate in Marion County is 15.9%. The approval (origination) rate is 52.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marion County?
The average mortgage loan amount in Marion County is $282,763. The average interest rate is 7.348%. The average applicant income is $39K.
What is the loan-to-income ratio in Marion County?
The average loan-to-income ratio in Marion County is 7.3x, meaning borrowers took on loans averaging 7.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marion County?
The top mortgage lenders in Marion County by origination volume are Marion & Polk Schools Credit Union, Guild Mortgage Company, Rocket Mortgage. In total, 291 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.