Sherman County
Oregon · FIPS 41055
According to CFPB HMDA 2024 application volume among U.S. counties, Sherman County ranks #3,045 of 3,223, and #35 of 36 in Oregon.
Mortgage lending activity in Sherman 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. Sherman County, Oregon lenders denied 7 of the applications reported here, financing the rest at an average note rate of 6.94%, with applicants self-reporting average annual income of $41K. 16 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Sherman County
In Sherman County, lead originator 21st Mortgage funded 13.0% of 23 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.8% 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 Sherman County's 49 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sherman County's $223,163 average loan (deduped against volume peers).
Lenders active in Sherman County
21st Mortgage funded 3 of the 23 loans originated in Sherman County, 13.0% of the county. 16 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 3 | 13.0% |
| 2 | Fairway Independent Mort CORP | 3 | 13.0% |
| 3 | HomeStreet Bank | 2 | 8.7% |
| 4 | Rocket Mortgage | 2 | 8.7% |
| 5 | RANLife, Inc. | 2 | 8.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sherman 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 Sherman 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.