Tillamook County
Oregon · FIPS 41057
According to CFPB HMDA 2024 application volume among U.S. counties, Tillamook County ranks #1,233 of 3,210, and #21 of 36 in Oregon.
Mortgage lending activity in Tillamook 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Tillamook County
In Tillamook County, lead originator Fibre Federal Credit Union funded only 10.3% of 708 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Tillamook County's 1,271 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tillamook County's $298,525 average loan (deduped against volume peers).
Lenders active in Tillamook County
Fibre Federal Credit Union funded 73 of the 708 loans originated in Tillamook County, 10.3% of the county. 147 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Tillamook County borrowers.
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 Tillamook County 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. 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.