Oregon
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Discover comprehensive Oregon mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Oregon based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Oregon's mortgage market trends.

Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 389,193
Total Mortgage Loan Application Amount $123,997,580,000
Average Mortgage Loan Application Amount $318,000
Highest Mortgage Loan Application Amount $97,165,000
Average Applicant Income $123,000
Highest Applicant Income $9,805,000

Explore comprehensive HMDA mortgage statistics and application trends for 2021 in Oregon. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Oregon, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2021 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Oregon.

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Mortgage Loan Application Detail Totals for Oregon in 2021

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 147,080 $44,119,545,000 $299,000 $97,165,000 $119,000 $9,805,000
Home Purchase 115,046 $46,572,240,000 $404,000 $79,895,000 $134,000 $9,774,000
Cash-out Refinancing 91,401 $28,279,205,000 $309,000 $32,505,000 $107,000 $9,248,000
Home Improvement 21,198 $2,718,760,000 $128,000 $5,705,000 $137,000 $9,801,000
Other Purpose 13,730 $2,162,980,000 $157,000 $10,505,000 $145,000 $8,187,000
Not Applicable 738 $144,850,000 $196,000 $1,815,000 $7,000 $158,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 250,052 $75,097,600,000 $300,000 $22,005,000 $122,000 $9,805,000
Not Provided 64,397 $20,277,065,000 $314,000 $11,405,000 $128,000 $9,774,000
Not applicable 26,432 $13,417,265,000 $507,000 $97,165,000 $142,000 $1,553,000
Hispanic 20,440 $5,788,640,000 $283,000 $3,005,000 $96,000 $9,466,000
Asian 15,837 $5,570,635,000 $351,000 $3,465,000 $144,000 $8,617,000
Black or African American 4,682 $1,588,070,000 $339,000 $4,425,000 $129,000 $8,213,000
American Indian or Alaskan Native 3,524 $961,170,000 $272,000 $2,015,000 $98,000 $6,213,000
Native Hawaiian or Other Pacific Islander 1,039 $301,215,000 $289,000 $1,045,000 $99,000 $495,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 324,277 $103,531,210,000 $319,000 $79,895,000 $129,000 $9,805,000
VA-guaranteed (Veterans Administration) 34,054 $11,266,470,000 $330,000 $2,015,000 $81,000 $9,011,000
FHA-insured (Federal Housing Administration) 28,224 $8,437,450,000 $298,000 $97,165,000 $71,000 $8,658,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,638 $762,450,000 $289,000 $2,625,000 $77,000 $9,595,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 243,558 $79,820,195,000 $327,000 $97,165,000 $126,000 $9,805,000
Application Withdrawn By Applicant 51,385 $16,513,775,000 $321,000 $31,505,000 $127,000 $8,187,000
Application Denied By Financial Institution 35,817 $9,081,015,000 $253,000 $79,895,000 $101,000 $9,595,000
Loan Purchased By The Institution 29,787 $10,665,085,000 $358,000 $4,985,000 $136,000 $1,781,000
File Closed For Incompleteness 19,402 $5,299,500,000 $273,000 $3,255,000 $114,000 $9,026,000
Application Approved But Not Accepted 8,973 $2,507,675,000 $279,000 $32,505,000 $110,000 $6,169,000
Preapproval Approved but not Accepted 230 $92,990,000 $404,000 $2,405,000 $130,000 $1,520,000
Preapproval Denied by Financial Institution 41 $17,345,000 $423,000 $1,255,000 $97,000 $427,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 352,724 $114,671,025,000 $325,000 $97,165,000 $125,000 $9,805,000
Debt-To-Income Ratio 11,103 $3,006,295,000 $270,000 $21,495,000 $67,000 $2,555,000
Credit History 6,862 $1,370,240,000 $199,000 $5,005,000 $100,000 $4,548,000
Credit Application Incomplete 6,049 $1,596,145,000 $263,000 $13,805,000 $120,000 $9,225,000
Collateral 4,818 $1,187,240,000 $246,000 $11,405,000 $133,000 $9,595,000
Other 4,466 $1,236,810,000 $276,000 $79,895,000 $118,000 $7,015,000
Unverifiable Information 1,900 $523,270,000 $275,000 $2,255,000 $124,000 $6,048,000
Insufficient Cash (Downpayment, Closing Cost) 664 $235,490,000 $354,000 $1,755,000 $118,000 $8,571,000
Employment History 598 $168,270,000 $281,000 $1,075,000 $78,000 $495,000
Mortgage Insurance Denied 9 $2,795,000 $310,000 $465,000 $87,000 $140,000
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Mortgage Loan Application Totals in 2021 by Oregon Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
ALBANY, OR 11,903 $ 3,032,935,000 $ 254,000 $ 87,000
BEND-REDMOND, OR 27,487 $ 10,253,415,000 $ 373,000 $ 147,000
CORVALLIS, OR 6,276 $ 2,014,230,000 $ 320,000 $ 131,000
EUGENE, OR 31,869 $ 8,617,095,000 $ 270,000 $ 105,000
GRANTS PASS, OR 7,535 $ 2,016,575,000 $ 267,000 $ 92,000
MEDFORD, OR 20,108 $ 5,733,930,000 $ 285,000 $ 105,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 190,672 $ 67,874,075,000 $ 355,000 $ 137,000
SALEM, OR 38,158 $ 10,664,530,000 $ 279,000 $ 99,000
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Mortgage Loan Application Totals in 2021 by Oregon County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Baker 1,059 $ 198,835,000 $ 187,000 $ 82,000
Benton 6,276 $ 2,014,230,000 $ 320,000 $ 131,000
Clackamas 46,289 $ 17,186,595,000 $ 371,000 $ 145,000
Clatsop 4,406 $ 1,357,690,000 $ 308,000 $ 132,000
Columbia 5,652 $ 1,630,170,000 $ 288,000 $ 96,000
Coos 5,046 $ 1,191,640,000 $ 236,000 $ 91,000
Crook 2,879 $ 911,345,000 $ 316,000 $ 113,000
Curry 2,060 $ 549,540,000 $ 266,000 $ 100,000
Deschutes 27,487 $ 10,253,415,000 $ 373,000 $ 147,000
Douglas 8,257 $ 1,910,325,000 $ 231,000 $ 83,000
Gilliam 108 $ 16,220,000 $ 150,000 $ 65,000
Grant 428 $ 79,340,000 $ 185,000 $ 106,000
Harney 356 $ 54,750,000 $ 153,000 $ 73,000
Hood River 1,976 $ 706,200,000 $ 357,000 $ 143,000
Jackson 20,108 $ 5,733,930,000 $ 285,000 $ 105,000
Jefferson 2,205 $ 561,205,000 $ 254,000 $ 87,000
Josephine 7,535 $ 2,016,575,000 $ 267,000 $ 92,000
Klamath 5,489 $ 1,147,445,000 $ 209,000 $ 87,000
Lake 405 $ 72,765,000 $ 179,000 $ 82,000
Lane 31,869 $ 8,617,095,000 $ 270,000 $ 105,000
Lincoln 5,557 $ 1,553,245,000 $ 279,000 $ 131,000
Linn 11,903 $ 3,032,935,000 $ 254,000 $ 87,000
Malheur 1,544 $ 301,800,000 $ 195,000 $ 76,000
Marion 29,611 $ 8,164,445,000 $ 275,000 $ 99,000
Morrow 664 $ 152,460,000 $ 229,000 $ 83,000
Multnomah 70,843 $ 25,482,985,000 $ 359,000 $ 140,000
Polk 8,547 $ 2,500,085,000 $ 292,000 $ 101,000
Sherman 76 $ 13,040,000 $ 171,000 $ 81,000
Tillamook 3,287 $ 955,085,000 $ 290,000 $ 134,000
Umatilla 4,889 $ 1,036,385,000 $ 211,000 $ 87,000
Union 1,742 $ 361,690,000 $ 207,000 $ 91,000
Wallowa 689 $ 166,305,000 $ 241,000 $ 119,000
Wasco 2,006 $ 481,560,000 $ 240,000 $ 92,000
Washington 57,491 $ 20,311,130,000 $ 353,000 $ 136,000
Wheeler 57 $ 11,925,000 $ 209,000 $ 93,000
Yamhill 10,397 $ 3,263,195,000 $ 313,000 $ 114,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Oregon's 2021 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.

This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively. Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Oregon's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.

Download the Oregon Lender List