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2024 data HMDA 2024 disclosure official source

Grant County

3,321 mortgage applications, 18.8% denial rate. Verify FIPS 53025 with U.S. Census Bureau →

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Washington · FIPS 53025

Local mortgage market. Grant County, Washington saw 3,321 HMDA-reported mortgage applications in 2024. Lenders originated 1,831 of those loans and denied 624, producing a denial rate of 18.8% and an approval (origination) rate of 55.1%. The average loan amount was $246,325 at an average note rate of 6.93%, with applicants self-reporting average annual income of $40K. 178 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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 53025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,321
Applications
1,831
Originated
18.8%
Denial Rate
55.1%
Approval Rate
$246,325
Avg Loan Amount
6.93%
Avg Interest Rate
$40K
Avg Applicant Income
6.2x
Loan-to-Income Ratio

Nearby Lenders in Grant 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 238 13.0%
2 Movement Mortgage, LLC 137 7.5%
3 Rocket Mortgage 127 6.9%
4 Cmg Mortgage INC 116 6.3%
5 Gesa Credit Union 87 4.8%
Compare Guild Mortgage Company vs Movement Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Grant County?
In the 2024 HMDA reporting year, 3,321 mortgage applications were filed in Grant County, Washington. Of these, 1,831 were originated (approved and funded), while 624 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Grant County?
The mortgage denial rate in Grant County is 18.8%. The approval (origination) rate is 55.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grant County?
The average mortgage loan amount in Grant County is $246,325. The average interest rate is 6.928%. The average applicant income is $40K.
What is the loan-to-income ratio in Grant County?
The average loan-to-income ratio in Grant County is 6.2x, meaning borrowers took on loans averaging 6.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grant County?
The top mortgage lenders in Grant County by origination volume are Guild Mortgage Company, Movement Mortgage, LLC, Rocket Mortgage. In total, 178 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.