21st Mortgage in Oregon vs the state
47.1%Denial rate+31.74 pts vs state
72.3%Decision denial rate+53.11 pts vs state
17.5%Origination rate-43.17 pts vs state
10.17%Median rate+3.42 pts vs state
4.51Rate spread (pts)+4.23 pts vs state
$71kMedian applicant income
204Loans originated
550Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,363 | 214 | 46.5% | 10.08% | #20 |
| 2024 | 1,352 | 226 | 47.0% | 10.14% | #25 |
| 2025 | 1,169 | 204 | 47.1% | 10.17% | #36 |
What 21st Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 201 | 32 | 91 | 45.3% |
| Marion County | 130 | 19 | 77 | 59.2% |
| Multnomah County | 105 | 14 | 54 | 51.4% |
| Lane County | 102 | 15 | 44 | 43.1% |
| Washington County | 84 | 8 | 33 | 39.3% |
| Linn County | 83 | 18 | 38 | 45.8% |
| Yamhill County | 57 | 15 | 24 | 42.1% |
| Columbia County | 42 | 9 | 22 | 52.4% |
| Jackson County | 38 | 6 | 22 | 57.9% |
| Klamath County | 35 | 5 | 17 | 48.6% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 1,169 applications in 2025, of which 204 were originated and 550 denied.
47.1% of all applications, or 72.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans 21st Mortgage originated in Oregon in 2025 was 10.17%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology