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2024 data HMDA 2024 disclosure official source

Cowlitz County

4,901 mortgage applications, 15.1% denial rate. Verify FIPS 53015 with U.S. Census Bureau →

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Washington · FIPS 53015

Local mortgage market. Cowlitz County, Washington saw 4,901 HMDA-reported mortgage applications in 2024. Lenders originated 2,745 of those loans and denied 738, producing a denial rate of 15.1% and an approval (origination) rate of 56.0%. The average loan amount was $257,752 at an average note rate of 7.14%, with applicants self-reporting average annual income of $39K. 213 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 53015 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,901
Applications
2,745
Originated
15.1%
Denial Rate
56.0%
Approval Rate
$257,752
Avg Loan Amount
7.14%
Avg Interest Rate
$39K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Cowlitz 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 417 15.2%
2 Guild Mortgage Company 283 10.3%
3 Red Canoe Credit Union 215 7.8%
4 United Wholesale Mortgage 156 5.7%
5 Rocket Mortgage 125 4.6%
Compare Fibre Federal Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Cowlitz County?
In the 2024 HMDA reporting year, 4,901 mortgage applications were filed in Cowlitz County, Washington. Of these, 2,745 were originated (approved and funded), while 738 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Cowlitz County?
The mortgage denial rate in Cowlitz County is 15.1%. The approval (origination) rate is 56.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cowlitz County?
The average mortgage loan amount in Cowlitz County is $257,752. The average interest rate is 7.144%. The average applicant income is $39K.
What is the loan-to-income ratio in Cowlitz County?
The average loan-to-income ratio in Cowlitz County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cowlitz County?
The top mortgage lenders in Cowlitz County by origination volume are Fibre Federal Credit Union, Guild Mortgage Company, Red Canoe Credit Union. In total, 213 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.