American Internet Mortgage in Oregon vs the state
16.3%Denial rate+1.02 pts vs state
26.7%Decision denial rate+7.51 pts vs state
44.9%Origination rate-15.72 pts vs state
5.75%Median rate-1.00 pts vs state
-0.35Rate spread (pts)-0.63 pts vs state
$144kMedian applicant income
22Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 12 | 11.5% | 6.06% | #254 |
| 2024 | 26 | 14 | 3.9% | 6.31% | #265 |
| 2025 | 49 | 22 | 16.3% | 5.75% | #227 |
What American Internet Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 9 | 5 | 1 | 11.1% |
| Lane County | 8 | 2 | 2 | 25.0% |
| Multnomah County | 6 | 1 | 1 | 16.7% |
| Clackamas County | 6 | 2 | 1 | 16.7% |
| Deschutes County | 6 | 2 | 2 | 33.3% |
| Jackson County | 5 | 4 | 1 | 20.0% |
| Marion County | 3 | 2 | 0 | 0.0% |
| Umatilla County | 2 | 0 | 0 | 0.0% |
| Wasco County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 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: 49 applications in 2025, of which 22 were originated and 8 denied.
16.3% of all applications, or 26.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans American Internet Mortgage originated in Oregon in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are American Internet 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