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Clatsop County, Oregon
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,552 mortgage applications in Clatsop County, Oregon, for 2024, and originated 870 loans worth $301m.
That is 48.4 originations per 1,000 households, against 45.5 for Oregon and 48.0 nationally.
The county's denial rate was 25.2%, above the state rate of 20.6%. The median rate spread on originated loans was 0.5 percentage points and 21.3% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Fibre Federal Credit Union (72), Golden Empire Mortgage, Inc. (62) and Wauna Federal Credit Union (51).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Fibre Federal Credit Union | 125 | 72 | $8.4m | 33.6% | — |
| 2 | Golden Empire Mortgage, Inc. | 77 | 62 | $26m | 3.1% | — |
| 3 | Wauna Federal Credit Union | 83 | 51 | $6.4m | 25.3% | — |
| 4 | Us Bank, N.A. | 101 | 47 | $11m | 44.0% | — |
| 5 | Rocket Mortgage | 65 | 46 | $15m | 20.3% | — |
| 6 | United Wholesale Mortgage | 53 | 46 | $19m | 4.1% | — |
| 7 | Umpqua Bank | 55 | 33 | $11m | 26.1% | — |
| 8 | Fairway Independent Mort Corp | 45 | 29 | $10m | 9.4% | — |
| 9 | Panorama Mortgage Group, LLC | 39 | 28 | $12m | 0.0% | — |
| 10 | OnPoint Community Credit Union | 37 | 25 | $5.2m | 18.8% | — |
| 11 | Guild Mortgage Company | 34 | 24 | $8.4m | 7.1% | — |
| 12 | Churchill Mortgage Corporation | 26 | 19 | $7.1m | — | — |
| 13 | Northpointe Bank | 25 | 10 | $4.3m | — | — |
| 14 | Amerisave Mortgage Company | 36 | 7 | $1.4m | 79.4% | — |
| 15 | Discover Bank | 27 | 4 | $320k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Oregon and the nation
| Measure | This county | Oregon | United States |
|---|---|---|---|
| Denial rate | 25.2% | 20.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.3% | 16.0% | 15.6% |
| Average originated loan | $346k | $354k | $329k |
| Originations per 1,000 households | 48.4 | 45.5 | 48.0 |
| Home purchase share of originations | 50.2% | 53.8% | 57.0% |
| FHA-insured share | 10.8% | 11.9% | 13.4% |
| VA-guaranteed share | 7.7% | 6.7% | 7.9% |
Rate spread distribution
Share of 788 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Oregon). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (437)Home improvement 13% (115)Refinancing 11% (99)Cash-out refinancing 16% (140)Other purpose 9% (79)
By type
Conventional 81% (706)FHA 11% (94)VA 8% (67)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyOregon
Questions and answers
Which lenders are most active in Clatsop County, OR?
By 2024 originations: Fibre Federal Credit Union (72), Golden Empire Mortgage, Inc. (62), Wauna Federal Credit Union (51), Us Bank, N.A. (47), Rocket Mortgage (46). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Clatsop County?
25.2% of decided applications were denied in 2024, against 20.6% across Oregon and 24.3% nationally.
How many mortgages were originated in Clatsop County in 2024?
870 loans totalling $301m, from 1,552 applications; 48.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 41007; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.