Direct Rate Home Loans in Oregon vs the state
0.0%Denial rate-15.31 pts vs state
0.0%Decision denial rate-19.16 pts vs state
57.1%Origination rate-3.48 pts vs state
5.81%Median rate-0.94 pts vs state
-0.74Rate spread (pts)-1.02 pts vs state
$122kMedian applicant income
4Loans originated
0Denied
What Direct Rate Home Loans lends in Oregon
By loan purpose
By loan type
Where in Oregon
Counties with the most Direct Rate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Klamath County | 4 | 2 | 0 | 0.0% |
| Josephine County | 2 | 1 | 0 | 0.0% |
| Washington 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: 7 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Direct Rate Home Loans originated in Oregon in 2025 was 5.81%, against a statewide median of 6.75%.
About this data. Figures are Direct Rate Home Loans'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