City Lending in Oregon vs the state
36.8%Denial rate+21.53 pts vs state
41.2%Decision denial rate+22.02 pts vs state
52.6%Origination rate-7.99 pts vs state
7.13%Median rate+0.38 pts vs state
0.70Rate spread (pts)+0.43 pts vs state
$87kMedian applicant income
10Loans originated
7Denied
What City Lending lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 9 | 6 | 2 | 22.2% |
| Marion County | 4 | 1 | 3 | 75.0% |
| Clackamas County | 3 | 1 | 1 | 33.3% |
| Multnomah County | 1 | 0 | 1 | 100.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Linn County | 1 | 1 | 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: 19 applications in 2025, of which 10 were originated and 7 denied.
36.8% of all applications, or 41.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans City Lending originated in Oregon in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are City Lending'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