Calcon Mutual Mortgage in Oregon vs the state
13.5%Denial rate-1.86 pts vs state
24.2%Decision denial rate+5.08 pts vs state
42.0%Origination rate-18.60 pts vs state
4.88%Median rate-1.88 pts vs state
-0.85Rate spread (pts)-1.13 pts vs state
$126kMedian applicant income
50Loans originated
16Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 29 | 5.5% | 7.50% | #197 |
| 2024 | 156 | 96 | 3.2% | 4.88% | #125 |
| 2025 | 119 | 50 | 13.5% | 4.88% | #156 |
What Calcon Mutual Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 15 | 9 | 1 | 6.7% |
| Jackson County | 13 | 6 | 3 | 23.1% |
| Lane County | 13 | 6 | 0 | 0.0% |
| Multnomah County | 10 | 0 | 4 | 40.0% |
| Deschutes County | 8 | 2 | 1 | 12.5% |
| Clackamas County | 8 | 7 | 0 | 0.0% |
| Washington County | 7 | 0 | 0 | 0.0% |
| Lincoln County | 5 | 3 | 0 | 0.0% |
| Linn County | 5 | 3 | 1 | 20.0% |
| Yamhill County | 5 | 1 | 2 | 40.0% |
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: 119 applications in 2025, of which 50 were originated and 16 denied.
13.5% of all applications, or 24.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Calcon Mutual Mortgage originated in Oregon in 2025 was 4.88%, against a statewide median of 6.75%.
About this data. Figures are Calcon Mutual 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