American Financial Network in Oregon vs the state
5.8%Denial rate-9.56 pts vs state
7.7%Decision denial rate-11.51 pts vs state
69.5%Origination rate+8.85 pts vs state
6.63%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.18 pts vs state
$111kMedian applicant income
157Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 77 | 14.6% | 6.75% | #128 |
| 2024 | 183 | 128 | 9.8% | 6.88% | #111 |
| 2025 | 226 | 157 | 5.8% | 6.63% | #110 |
What American Financial Network lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 34 | 24 | 4 | 11.8% |
| Marion County | 28 | 20 | 0 | 0.0% |
| Multnomah County | 25 | 17 | 1 | 4.0% |
| Lane County | 17 | 12 | 0 | 0.0% |
| Clackamas County | 17 | 11 | 2 | 11.8% |
| Deschutes County | 15 | 12 | 1 | 6.7% |
| Polk County | 12 | 8 | 0 | 0.0% |
| Linn County | 11 | 9 | 1 | 9.1% |
| Yamhill County | 8 | 5 | 1 | 12.5% |
| Wasco County | 7 | 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: 226 applications in 2025, of which 157 were originated and 13 denied.
5.8% of all applications, or 7.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans American Financial Network originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are American Financial Network'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