Click n' Close in Oregon vs the state
2.8%Denial rate-12.53 pts vs state
3.5%Decision denial rate-15.65 pts vs state
73.6%Origination rate+12.99 pts vs state
6.44%Median rate-0.31 pts vs state
1.97Rate spread (pts)+1.69 pts vs state
$113kMedian applicant income
53Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 42 | 4.0% | 7.06% | #168 |
| 2024 | 107 | 57 | 6.5% | 6.75% | #154 |
| 2025 | 72 | 53 | 2.8% | 6.44% | #192 |
What Click n' Close lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 12 | 7 | 0 | 0.0% |
| Douglas County | 9 | 9 | 0 | 0.0% |
| Marion County | 7 | 6 | 0 | 0.0% |
| Clackamas County | 7 | 5 | 2 | 28.6% |
| Lincoln County | 5 | 3 | 0 | 0.0% |
| Josephine County | 4 | 2 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Lane County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Yamhill County | 3 | 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: 72 applications in 2025, of which 53 were originated and 2 denied.
2.8% of all applications, or 3.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Click n' Close originated in Oregon in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Click n' Close'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