A&D Mortgage in Oregon vs the state
6.3%Denial rate-9.02 pts vs state
8.1%Decision denial rate-11.05 pts vs state
70.6%Origination rate+10.01 pts vs state
6.49%Median rate-0.26 pts vs state
0.00Rate spread (pts)-0.28 pts vs state
$151kMedian applicant income
202Loans originated
18Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 17 | 12.2% | 8.75% | #218 |
| 2024 | 83 | 38 | 18.1% | 7.75% | #168 |
| 2025 | 286 | 202 | 6.3% | 6.49% | #92 |
What A&D Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 67 | 49 | 5 | 7.5% |
| Clackamas County | 47 | 36 | 2 | 4.3% |
| Washington County | 37 | 28 | 2 | 5.4% |
| Deschutes County | 26 | 18 | 4 | 15.4% |
| Marion County | 21 | 12 | 2 | 9.5% |
| Lane County | 21 | 16 | 0 | 0.0% |
| Klamath County | 8 | 2 | 0 | 0.0% |
| Polk County | 7 | 6 | 0 | 0.0% |
| Lincoln County | 6 | 4 | 0 | 0.0% |
| Douglas County | 6 | 5 | 0 | 0.0% |
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: 286 applications in 2025, of which 202 were originated and 18 denied.
6.3% of all applications, or 8.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans A&D Mortgage originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are A&D 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