Bay Equity in Oregon vs the state
3.3%Denial rate-12.03 pts vs state
4.2%Decision denial rate-14.93 pts vs state
73.8%Origination rate+13.15 pts vs state
6.63%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.16 pts vs state
$146kMedian applicant income
180Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 186 | 4.7% | 6.49% | #90 |
| 2024 | 325 | 235 | 7.4% | 6.49% | #82 |
| 2025 | 244 | 180 | 3.3% | 6.63% | #99 |
What Bay Equity lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 74 | 51 | 2 | 2.7% |
| Washington County | 52 | 37 | 0 | 0.0% |
| Clackamas County | 35 | 25 | 4 | 11.4% |
| Marion County | 21 | 17 | 1 | 4.8% |
| Lane County | 13 | 10 | 0 | 0.0% |
| Linn County | 9 | 8 | 0 | 0.0% |
| Deschutes County | 6 | 5 | 1 | 16.7% |
| Yamhill County | 6 | 4 | 0 | 0.0% |
| Columbia County | 6 | 5 | 0 | 0.0% |
| Jackson County | 5 | 3 | 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: 244 applications in 2025, of which 180 were originated and 8 denied.
3.3% of all applications, or 4.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Bay Equity originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Bay Equity'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