Clearpath Lending in Oregon vs the state
6.9%Denial rate-8.41 pts vs state
10.0%Decision denial rate-9.16 pts vs state
62.1%Origination rate+1.45 pts vs state
5.69%Median rate-1.06 pts vs state
-0.67Rate spread (pts)-0.95 pts vs state
$86kMedian applicant income
18Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 4 | 50.0% | 5.25% | #347 |
| 2024 | 15 | 9 | 20.0% | 5.75% | #305 |
| 2025 | 29 | 18 | 6.9% | 5.69% | #273 |
What Clearpath Lending lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 5 | 2 | 0 | 0.0% |
| Marion County | 4 | 2 | 1 | 25.0% |
| Lane County | 4 | 2 | 1 | 25.0% |
| Multnomah County | 3 | 2 | 0 | 0.0% |
| Klamath County | 3 | 3 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Yamhill County | 1 | 1 | 0 | 0.0% |
| Clatsop County | 1 | 1 | 0 | 0.0% |
| Malheur 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: 29 applications in 2025, of which 18 were originated and 2 denied.
6.9% of all applications, or 10.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Clearpath Lending originated in Oregon in 2025 was 5.69%, against a statewide median of 6.75%.
About this data. Figures are Clearpath 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