Yakima County
Washington · FIPS 53077
According to CFPB HMDA 2024 application volume among U.S. counties, Yakima County ranks #403 of 3,210, and #10 of 39 in Washington.
Mortgage lending activity in Yakima County, Washington based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Yakima County, Washington saw 6,703 HMDA-reported mortgage applications in 2024. Lenders originated 3,582 of those loans and denied 1,366, producing a denial rate of 20.4% and an approval (origination) rate of 53.4%. The average loan amount was $240,162 at an average note rate of 6.98%, with applicants self-reporting average annual income of $40K. 204 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Yakima County
In Yakima County, lead originator Cmg Mortgage INC funded 17.4% of 3,582 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Yakima County's 6,703 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Yakima County's $240,162 average loan (deduped against volume peers).
Lenders active in Yakima County
Cmg Mortgage INC funded 623 of the 3,582 loans originated in Yakima County, 17.4% of the county. 204 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Cmg Mortgage INC | 623 | 17.4% |
| 2 | American Pacific Mortgage Corporation | 236 | 6.6% |
| 3 | Rocket Mortgage | 210 | 5.9% |
| 4 | Gesa Credit Union | 196 | 5.5% |
| 5 | Yakima Federal Savings & Loan | 193 | 5.4% |
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; does not constitute financial advice for Yakima County borrowers.
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 Yakima County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.