American Pacific Mortgage in Oregon vs the state
5.0%Denial rate-10.36 pts vs state
6.0%Decision denial rate-13.16 pts vs state
77.4%Origination rate+16.79 pts vs state
6.63%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$117kMedian applicant income
860Loans originated
55Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,058 | 740 | 4.3% | 6.75% | #31 |
| 2024 | 903 | 684 | 3.9% | 6.75% | #45 |
| 2025 | 1,111 | 860 | 5.0% | 6.63% | #39 |
What American Pacific Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 201 | 158 | 5 | 2.5% |
| Lane County | 165 | 122 | 9 | 5.5% |
| Umatilla County | 161 | 140 | 5 | 3.1% |
| Clackamas County | 152 | 123 | 4 | 2.6% |
| Washington County | 94 | 72 | 3 | 3.2% |
| Douglas County | 43 | 22 | 11 | 25.6% |
| Klamath County | 35 | 26 | 2 | 5.7% |
| Marion County | 33 | 27 | 1 | 3.0% |
| Deschutes County | 29 | 22 | 2 | 6.9% |
| Linn County | 24 | 20 | 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: 1,111 applications in 2025, of which 860 were originated and 55 denied.
5.0% of all applications, or 6.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans American Pacific Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are American Pacific 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