Better Mortgage in Oregon vs the state
24.5%Denial rate+9.19 pts vs state
33.9%Decision denial rate+14.75 pts vs state
46.8%Origination rate-13.85 pts vs state
6.88%Median rate+0.13 pts vs state
0.45Rate spread (pts)+0.17 pts vs state
$149kMedian applicant income
376Loans originated
197Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 92 | 5.6% | 6.25% | #115 |
| 2024 | 240 | 102 | 11.7% | 6.50% | #98 |
| 2025 | 804 | 376 | 24.5% | 6.88% | #52 |
What Better Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 198 | 109 | 47 | 23.7% |
| Washington County | 152 | 87 | 28 | 18.4% |
| Clackamas County | 111 | 49 | 30 | 27.0% |
| Deschutes County | 71 | 39 | 17 | 23.9% |
| Lane County | 56 | 12 | 18 | 32.1% |
| Marion County | 37 | 18 | 6 | 16.2% |
| Jackson County | 24 | 9 | 3 | 12.5% |
| Douglas County | 17 | 8 | 6 | 35.3% |
| Lincoln County | 16 | 3 | 7 | 43.8% |
| Linn County | 14 | 7 | 4 | 28.6% |
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: 804 applications in 2025, of which 376 were originated and 197 denied.
24.5% of all applications, or 33.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Better Mortgage originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Better 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