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2024 data HMDA 2024 disclosure official source

Yamhill County

3,871 mortgage applications, 15.7% denial rate. Verify FIPS 41071 with U.S. Census Bureau →

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Oregon · FIPS 41071

Local mortgage market. Yamhill County, Oregon saw 3,871 HMDA-reported mortgage applications in 2024. Lenders originated 2,114 of those loans and denied 606, producing a denial rate of 15.7% and an approval (origination) rate of 54.6%. The average loan amount was $313,404 at an average note rate of 7.43%, with applicants self-reporting average annual income of $39K. 197 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 41071 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,871
Applications
2,114
Originated
15.7%
Denial Rate
54.6%
Approval Rate
$313,404
Avg Loan Amount
7.43%
Avg Interest Rate
$39K
Avg Applicant Income
8.0x
Loan-to-Income Ratio

Nearby Lenders in Yamhill 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 OnPoint Community Credit Union 281 13.3%
2 United Wholesale Mortgage 121 5.7%
3 Rocket Mortgage 113 5.3%
4 Guild Mortgage Company 105 5.0%
5 Mortgage Express 65 3.1%
Compare OnPoint Community Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Yamhill County?
In the 2024 HMDA reporting year, 3,871 mortgage applications were filed in Yamhill County, Oregon. Of these, 2,114 were originated (approved and funded), while 606 were denied, resulting in a denial rate of 15.7%.
What is the mortgage denial rate in Yamhill County?
The mortgage denial rate in Yamhill County is 15.7%. The approval (origination) rate is 54.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Yamhill County?
The average mortgage loan amount in Yamhill County is $313,404. The average interest rate is 7.432%. The average applicant income is $39K.
What is the loan-to-income ratio in Yamhill County?
The average loan-to-income ratio in Yamhill County is 8.0x, meaning borrowers took on loans averaging 8.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Yamhill County?
The top mortgage lenders in Yamhill County by origination volume are OnPoint Community Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 197 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.