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2024 data HMDA 2024 disclosure official source

Asotin County

740 mortgage applications, 13.9% denial rate. Verify FIPS 53003 with U.S. Census Bureau →

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Washington · FIPS 53003

Local mortgage market. Asotin County, Washington saw 740 HMDA-reported mortgage applications in 2024. Lenders originated 434 of those loans and denied 103, producing a denial rate of 13.9% and an approval (origination) rate of 58.6%. The average loan amount was $228,811 at an average note rate of 7.08%, with applicants self-reporting average annual income of $38K. 73 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 53003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

740
Applications
434
Originated
13.9%
Denial Rate
58.6%
Approval Rate
$228,811
Avg Loan Amount
7.08%
Avg Interest Rate
$38K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Asotin 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 Potlatch No 1 Financial Credit U 88 20.3%
2 United Wholesale Mortgage 47 10.8%
3 Freedom Northwest Credit Union 29 6.7%
4 Rocket Mortgage 28 6.5%
5 Movement Mortgage, LLC 24 5.5%
Compare Potlatch No 1 Financial Credit U vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Asotin County?
In the 2024 HMDA reporting year, 740 mortgage applications were filed in Asotin County, Washington. Of these, 434 were originated (approved and funded), while 103 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Asotin County?
The mortgage denial rate in Asotin County is 13.9%. The approval (origination) rate is 58.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Asotin County?
The average mortgage loan amount in Asotin County is $228,811. The average interest rate is 7.082%. The average applicant income is $38K.
What is the loan-to-income ratio in Asotin County?
The average loan-to-income ratio in Asotin County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Asotin County?
The top mortgage lenders in Asotin County by origination volume are Potlatch No 1 Financial Credit U, United Wholesale Mortgage, Freedom Northwest Credit Union. In total, 73 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.