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Umatilla 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.
Umatilla County, Oregon, saw 2,302 HMDA-reported applications and 1,356 originations ($311m) in 2024.
That is 47.2 originations per 1,000 households, against 45.5 for Oregon and 48.0 nationally.
The county's denial rate was 23.3%, above the state rate of 20.6%. The median rate spread on originated loans was 0.4 percentage points and 17.0% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were Guild Mortgage Company (184), American Pacific Mortgage Corporation (111) and First Community Credit Union (105).
Originations were up 13% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage Company | 224 | 184 | $50m | 1.0% | — |
| 2 | American Pacific Mortgage Corporation | 133 | 111 | $32m | 2.6% | — |
| 3 | First Community Credit Union | 169 | 105 | $13m | 21.1% | — |
| 4 | Banner Bank | 125 | 71 | $9.5m | 34.5% | — |
| 5 | CMG Mortgage Inc | 98 | 69 | $19m | 2.7% | — |
| 6 | Rocket Mortgage | 99 | 67 | $14m | 25.6% | — |
| 7 | Churchill Mortgage Corporation | 66 | 48 | $12m | 5.2% | — |
| 8 | Bayshore Mortgage Funding | 41 | 37 | $11m | 0.0% | — |
| 9 | United Wholesale Mortgage | 49 | 36 | $10m | 18.2% | — |
| 10 | Umpqua Bank | 60 | 35 | $7.6m | 31.4% | — |
| 11 | Us Bank, N.A. | 69 | 33 | $5.1m | 45.9% | — |
| 12 | Gesa Credit Union | 48 | 27 | $2.5m | 32.5% | — |
| 13 | Axia Financial LLC | 31 | 25 | $8.4m | 0.0% | — |
| 14 | Mortgage Research Center | 49 | 20 | $6.3m | 39.4% | — |
| 15 | Freedom Mortgage Corporation | 41 | 20 | $5.6m | 17.9% | — |
| 16 | Hapo Communtiy Credit Union | 41 | 16 | $1.5m | 48.7% | — |
| 17 | Pennymac Loan Services LLC | 33 | 15 | $2.5m | — | — |
| 18 | Loandepot.com, LLC | 28 | 14 | $2.5m | — | — |
| 19 | New Day Financial, LLC. | 27 | 8 | $2.4m | — | — |
| 20 | Newrez LLC | 25 | 7 | $2.7m | — | — |
| 21 | Triad Financial Services, Inc. | 25 | 7 | $915k | 48.0% | — |
| 22 | Discover Bank | 34 | 6 | $490k | 77.8% | — |
| 23 | Amerisave Mortgage Company | 33 | 5 | $1.3m | 80.8% | — |
| 24 | Spring Eq, LLC | 26 | 5 | $265k | — | — |
| 25 | New American Funding, LLC. | 25 | 3 | $685k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. Denial rate is denials over decided applications in this county.
Compared with Oregon and the nation
| Measure | This county | Oregon | United States |
|---|---|---|---|
| Denial rate | 23.3% | 20.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.0% | 16.0% | 15.6% |
| Average originated loan | $229k | $354k | $329k |
| Originations per 1,000 households | 47.2 | 45.5 | 48.0 |
| Home purchase share of originations | 57.6% | 53.8% | 57.0% |
| FHA-insured share | 27.1% | 11.9% | 13.4% |
| VA-guaranteed share | 12.0% | 6.7% | 7.9% |
Rate spread distribution
Share of 1,250 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 58% (781)Home improvement 10% (142)Refinancing 9% (116)Cash-out refinancing 14% (195)Other purpose 9% (122)
By type
Conventional 58% (790)FHA 27% (367)VA 12% (163)USDA 3% (36)
Trend by year
ApplicationsOriginations
This countyOregon
Questions and answers
Which lenders are most active in Umatilla County, OR?
By 2024 originations: Guild Mortgage Company (184), American Pacific Mortgage Corporation (111), First Community Credit Union (105), Banner Bank (71), CMG Mortgage Inc (69). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Umatilla County?
23.3% of decided applications were denied in 2024, against 20.6% across Oregon and 24.3% nationally.
How many mortgages were originated in Umatilla County in 2024?
1,356 loans totalling $311m, from 2,302 applications; 47.2 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 41059; 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.