States › Oregon › Yamhill County
Yamhill 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 3,482 mortgage applications in Yamhill County, Oregon, for 2024, and originated 2,119 loans worth $701m.
That is 54.0 originations per 1,000 households, against 45.5 for Oregon and 48.0 nationally.
The county's denial rate was 21.1%, close to the state rate of 20.6%. The median rate spread on originated loans was 0.4 percentage points and 19.2% of originations were 1.5 points or more above the average prime offer rate.
38 lenders reached 25 applications in the county; the most active by originations were OnPoint Community Credit Union (281), United Wholesale Mortgage (121) and Rocket Mortgage (113).
Originations were up 6% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 38. Denial rate is denials over decided applications in this county.
Compared with Oregon and the nation
| Measure | This county | Oregon | United States |
|---|---|---|---|
| Denial rate | 21.1% | 20.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.2% | 16.0% | 15.6% |
| Average originated loan | $331k | $354k | $329k |
| Originations per 1,000 households | 54.0 | 45.5 | 48.0 |
| Home purchase share of originations | 50.3% | 53.8% | 57.0% |
| FHA-insured share | 14.5% | 11.9% | 13.4% |
| VA-guaranteed share | 7.2% | 6.7% | 7.9% |
Rate spread distribution
Share of 1,929 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% (1,066)Home improvement 14% (288)Refinancing 11% (225)Cash-out refinancing 12% (254)Other purpose 13% (286)
By type
Conventional 78% (1,653)FHA 14% (307)VA 7% (153)USDA 0% (6)
Trend by year
ApplicationsOriginations
This countyOregon
Questions and answers
Which lenders are most active in Yamhill County, OR?
By 2024 originations: OnPoint Community Credit Union (281), United Wholesale Mortgage (121), Rocket Mortgage (113), Guild Mortgage Company (105), Mortgage Express (65). 38 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Yamhill County?
21.1% of decided applications were denied in 2024, against 20.6% across Oregon and 24.3% nationally.
How many mortgages were originated in Yamhill County in 2024?
2,119 loans totalling $701m, from 3,482 applications; 54.0 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 41071; 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.