American Financing in Oregon vs the state
40.6%Denial rate+25.28 pts vs state
59.3%Decision denial rate+40.09 pts vs state
20.8%Origination rate-39.83 pts vs state
6.38%Median rate-0.38 pts vs state
0.16Rate spread (pts)-0.12 pts vs state
$98kMedian applicant income
105Loans originated
205Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 47 | 31.6% | 6.38% | #106 |
| 2024 | 301 | 62 | 52.8% | 6.19% | #85 |
| 2025 | 505 | 105 | 40.6% | 6.38% | #64 |
What American Financing lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 66 | 12 | 32 | 48.5% |
| Clackamas County | 60 | 15 | 26 | 43.3% |
| Washington County | 51 | 14 | 17 | 33.3% |
| Jackson County | 48 | 11 | 17 | 35.4% |
| Multnomah County | 43 | 10 | 16 | 37.2% |
| Deschutes County | 31 | 8 | 10 | 32.3% |
| Lane County | 29 | 5 | 15 | 51.7% |
| Linn County | 23 | 4 | 11 | 47.8% |
| Yamhill County | 20 | 3 | 10 | 50.0% |
| Polk County | 17 | 3 | 7 | 41.2% |
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: 505 applications in 2025, of which 105 were originated and 205 denied.
40.6% of all applications, or 59.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans American Financing originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are American Financing'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