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2024 data HMDA 2024 disclosure official source

Umatilla County

2,605 mortgage applications, 16.8% denial rate. Verify FIPS 41059 with U.S. Census Bureau →

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Oregon · FIPS 41059

Local mortgage market. Umatilla County, Oregon saw 2,605 HMDA-reported mortgage applications in 2024. Lenders originated 1,355 of those loans and denied 438, producing a denial rate of 16.8% and an approval (origination) rate of 52.0%. The average loan amount was $222,240 at an average note rate of 7.08%, with applicants self-reporting average annual income of $38K. 138 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 41059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,605
Applications
1,355
Originated
16.8%
Denial Rate
52.0%
Approval Rate
$222,240
Avg Loan Amount
7.08%
Avg Interest Rate
$38K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Umatilla 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 Guild Mortgage Company 184 13.6%
2 American Pacific Mortgage Corporation 111 8.2%
3 First Community Credit Union 105 7.7%
4 Banner Bank 71 5.2%
5 Cmg Mortgage INC 69 5.1%
Compare Guild Mortgage Company vs American Pacific Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Umatilla County?
In the 2024 HMDA reporting year, 2,605 mortgage applications were filed in Umatilla County, Oregon. Of these, 1,355 were originated (approved and funded), while 438 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Umatilla County?
The mortgage denial rate in Umatilla County is 16.8%. The approval (origination) rate is 52.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Umatilla County?
The average mortgage loan amount in Umatilla County is $222,240. The average interest rate is 7.076%. The average applicant income is $38K.
What is the loan-to-income ratio in Umatilla County?
The average loan-to-income ratio in Umatilla County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Umatilla County?
The top mortgage lenders in Umatilla County by origination volume are Guild Mortgage Company, American Pacific Mortgage Corporation, First Community Credit Union. In total, 138 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.