Digital in Oregon vs the state
9.1%Denial rate-6.22 pts vs state
16.7%Decision denial rate-2.49 pts vs state
40.9%Origination rate-19.71 pts vs state
7.25%Median rate+0.50 pts vs state
0.07Rate spread (pts)-0.21 pts vs state
$199kMedian applicant income
9Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 33 | 15.6% | 5.88% | #182 |
| 2024 | 46 | 13 | 23.9% | 7.87% | #210 |
| 2025 | 22 | 9 | 9.1% | 7.25% | #288 |
What Digital lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 14 | 7 | 0 | 0.0% |
| Multnomah County | 4 | 1 | 1 | 25.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Lane County | 1 | 0 | 1 | 100.0% |
| Wasco County | 1 | 0 | 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: 22 applications in 2025, of which 9 were originated and 2 denied.
9.1% of all applications, or 16.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Digital originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Digital'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