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2024 data HMDA 2024 disclosure official source

Okanogan County

1,196 mortgage applications, 17.8% denial rate. Verify FIPS 53047 with U.S. Census Bureau →

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Washington · FIPS 53047

Local mortgage market. Okanogan County, Washington saw 1,196 HMDA-reported mortgage applications in 2024. Lenders originated 619 of those loans and denied 213, producing a denial rate of 17.8% and an approval (origination) rate of 51.8%. The average loan amount was $247,508 at an average note rate of 7.06%, with applicants self-reporting average annual income of $38K. 116 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 53047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,196
Applications
619
Originated
17.8%
Denial Rate
51.8%
Approval Rate
$247,508
Avg Loan Amount
7.06%
Avg Interest Rate
$38K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Okanogan 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 Evergreen Moneysource Mortgage Company 84 13.6%
2 Guild Mortgage Company 44 7.1%
3 Rocket Mortgage 37 6.0%
4 Umpqua Bank 30 4.8%
5 Spokane Teachers Credit Union 29 4.7%
Compare Evergreen Moneysource Mortgage Company vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Okanogan County?
In the 2024 HMDA reporting year, 1,196 mortgage applications were filed in Okanogan County, Washington. Of these, 619 were originated (approved and funded), while 213 were denied, resulting in a denial rate of 17.8%.
What is the mortgage denial rate in Okanogan County?
The mortgage denial rate in Okanogan County is 17.8%. The approval (origination) rate is 51.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Okanogan County?
The average mortgage loan amount in Okanogan County is $247,508. The average interest rate is 7.060%. The average applicant income is $38K.
What is the loan-to-income ratio in Okanogan County?
The average loan-to-income ratio in Okanogan County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Okanogan County?
The top mortgage lenders in Okanogan County by origination volume are Evergreen Moneysource Mortgage Company, Guild Mortgage Company, Rocket Mortgage. In total, 116 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.