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2024 data HMDA 2024 disclosure official source

Kittitas County

2,100 mortgage applications, 15.1% denial rate. Verify FIPS 53037 with U.S. Census Bureau →

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Washington · FIPS 53037

Local mortgage market. Kittitas County, Washington saw 2,100 HMDA-reported mortgage applications in 2024. Lenders originated 1,234 of those loans and denied 316, producing a denial rate of 15.1% and an approval (origination) rate of 58.8%. The average loan amount was $422,686 at an average note rate of 7.09%, with applicants self-reporting average annual income of $38K. 160 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.1x, meaning typical borrowers took on mortgages of about 11.1 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 53037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,100
Applications
1,234
Originated
15.1%
Denial Rate
58.8%
Approval Rate
$422,686
Avg Loan Amount
7.09%
Avg Interest Rate
$38K
Avg Applicant Income
11.1x
Loan-to-Income Ratio

Nearby Lenders in Kittitas 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 DHI Mortgage Company, LTD. 96 7.8%
2 Boeing Employees' Credit Union 67 5.4%
3 Umpqua Bank 59 4.8%
4 Crosscountry Mortgage, LLC 58 4.7%
5 Guild Mortgage Company 56 4.5%
Compare DHI Mortgage Company, LTD. vs Boeing Employees' Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Kittitas County?
In the 2024 HMDA reporting year, 2,100 mortgage applications were filed in Kittitas County, Washington. Of these, 1,234 were originated (approved and funded), while 316 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Kittitas County?
The mortgage denial rate in Kittitas County is 15.1%. The approval (origination) rate is 58.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kittitas County?
The average mortgage loan amount in Kittitas County is $422,686. The average interest rate is 7.086%. The average applicant income is $38K.
What is the loan-to-income ratio in Kittitas County?
The average loan-to-income ratio in Kittitas County is 11.1x, meaning borrowers took on loans averaging 11.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kittitas County?
The top mortgage lenders in Kittitas County by origination volume are DHI Mortgage Company, LTD., Boeing Employees' Credit Union, Umpqua Bank. In total, 160 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.