Churchill Mortgage in Oregon vs the state
4.2%Denial rate-11.16 pts vs state
4.8%Decision denial rate-14.36 pts vs state
75.8%Origination rate+15.16 pts vs state
6.63%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$100kMedian applicant income
219Loans originated
12Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 285 | 4.5% | 6.75% | #72 |
| 2024 | 408 | 270 | 7.1% | 6.63% | #70 |
| 2025 | 289 | 219 | 4.2% | 6.63% | #91 |
What Churchill Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 56 | 46 | 2 | 3.6% |
| Crook County | 45 | 36 | 1 | 2.2% |
| Deschutes County | 26 | 21 | 0 | 0.0% |
| Clatsop County | 22 | 18 | 0 | 0.0% |
| Umatilla County | 17 | 11 | 0 | 0.0% |
| Polk County | 15 | 12 | 2 | 13.3% |
| Columbia County | 11 | 8 | 0 | 0.0% |
| Linn County | 11 | 7 | 1 | 9.1% |
| Multnomah County | 11 | 7 | 0 | 0.0% |
| Washington County | 11 | 8 | 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: 289 applications in 2025, of which 219 were originated and 12 denied.
4.2% of all applications, or 4.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Churchill Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Churchill 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