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2024 data HMDA 2024 disclosure official source

Tillamook County

1,271 mortgage applications, 16.2% denial rate. Verify FIPS 41057 with U.S. Census Bureau →

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Oregon · FIPS 41057

Local mortgage market. Tillamook County, Oregon saw 1,271 HMDA-reported mortgage applications in 2024. Lenders originated 708 of those loans and denied 206, producing a denial rate of 16.2% and an approval (origination) rate of 55.7%. The average loan amount was $298,525 at an average note rate of 7.32%, with applicants self-reporting average annual income of $38K. 147 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.9x, meaning typical borrowers took on mortgages of about 7.9 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 41057 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,271
Applications
708
Originated
16.2%
Denial Rate
55.7%
Approval Rate
$298,525
Avg Loan Amount
7.32%
Avg Interest Rate
$38K
Avg Applicant Income
7.9x
Loan-to-Income Ratio

Nearby Lenders in Tillamook 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 Fibre Federal Credit Union 73 10.3%
2 Guild Mortgage Company 51 7.2%
3 Rocket Mortgage 45 6.4%
4 Us Bank, N.A. 35 4.9%
5 OnPoint Community Credit Union 30 4.2%
Compare Fibre Federal Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Tillamook County?
In the 2024 HMDA reporting year, 1,271 mortgage applications were filed in Tillamook County, Oregon. Of these, 708 were originated (approved and funded), while 206 were denied, resulting in a denial rate of 16.2%.
What is the mortgage denial rate in Tillamook County?
The mortgage denial rate in Tillamook County is 16.2%. The approval (origination) rate is 55.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Tillamook County?
The average mortgage loan amount in Tillamook County is $298,525. The average interest rate is 7.324%. The average applicant income is $38K.
What is the loan-to-income ratio in Tillamook County?
The average loan-to-income ratio in Tillamook County is 7.9x, meaning borrowers took on loans averaging 7.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Tillamook County?
The top mortgage lenders in Tillamook County by origination volume are Fibre Federal Credit Union, Guild Mortgage Company, Rocket Mortgage. In total, 147 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.