Champions Funding in Oregon vs the state
19.1%Denial rate+3.77 pts vs state
24.4%Decision denial rate+5.21 pts vs state
59.2%Origination rate-1.41 pts vs state
8.13%Median rate+1.38 pts vs state
2.57Rate spread (pts)+2.30 pts vs state
$290kMedian applicant income
90Loans originated
29Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 10 | 47.4% | 9.25% | #284 |
| 2024 | 47 | 27 | 25.5% | 8.75% | #207 |
| 2025 | 152 | 90 | 19.1% | 8.13% | #142 |
What Champions Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 29 | 18 | 3 | 10.3% |
| Washington County | 18 | 10 | 2 | 11.1% |
| Clackamas County | 17 | 12 | 5 | 29.4% |
| Lane County | 13 | 6 | 4 | 30.8% |
| Deschutes County | 12 | 4 | 5 | 41.7% |
| Jackson County | 9 | 5 | 2 | 22.2% |
| Marion County | 9 | 6 | 2 | 22.2% |
| Klamath County | 6 | 2 | 2 | 33.3% |
| Josephine County | 4 | 3 | 0 | 0.0% |
| Clatsop County | 4 | 3 | 1 | 25.0% |
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: 152 applications in 2025, of which 90 were originated and 29 denied.
19.1% of all applications, or 24.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Champions Funding originated in Oregon in 2025 was 8.13%, against a statewide median of 6.75%.
About this data. Figures are Champions Funding'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