American Financial Resources in Oregon vs the state
3.7%Denial rate-11.64 pts vs state
4.6%Decision denial rate-14.57 pts vs state
75.1%Origination rate+14.48 pts vs state
6.38%Median rate-0.38 pts vs state
0.29Rate spread (pts)+0.01 pts vs state
$101kMedian applicant income
184Loans originated
9Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 40 | 10.6% | 6.25% | #179 |
| 2024 | 160 | 115 | 10.6% | 6.63% | #123 |
| 2025 | 245 | 184 | 3.7% | 6.38% | #98 |
What American Financial Resources lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 31 | 25 | 1 | 3.2% |
| Multnomah County | 25 | 17 | 0 | 0.0% |
| Clackamas County | 24 | 17 | 0 | 0.0% |
| Lane County | 20 | 16 | 1 | 5.0% |
| Linn County | 18 | 17 | 0 | 0.0% |
| Marion County | 18 | 13 | 0 | 0.0% |
| Deschutes County | 17 | 15 | 0 | 0.0% |
| Jackson County | 14 | 10 | 2 | 14.3% |
| Douglas County | 11 | 6 | 1 | 9.1% |
| Coos County | 8 | 8 | 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: 245 applications in 2025, of which 184 were originated and 9 denied.
3.7% of all applications, or 4.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans American Financial Resources originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are American Financial Resources'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