Directors Mortgage in Oregon vs the state
4.4%Denial rate-10.89 pts vs state
5.5%Decision denial rate-13.70 pts vs state
69.1%Origination rate+8.47 pts vs state
6.63%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$119kMedian applicant income
626Loans originated
40Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 946 | 602 | 5.2% | 7.13% | #39 |
| 2024 | 1,015 | 714 | 2.8% | 6.88% | #36 |
| 2025 | 906 | 626 | 4.4% | 6.63% | #46 |
What Directors Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Directors Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 248 | 181 | 11 | 4.4% |
| Multnomah County | 111 | 78 | 4 | 3.6% |
| Washington County | 95 | 66 | 4 | 4.2% |
| Clackamas County | 78 | 47 | 0 | 0.0% |
| Coos County | 55 | 45 | 1 | 1.8% |
| Douglas County | 43 | 26 | 1 | 2.3% |
| Benton County | 41 | 32 | 1 | 2.4% |
| Hood River County | 34 | 23 | 0 | 0.0% |
| Josephine County | 34 | 15 | 5 | 14.7% |
| Wasco County | 30 | 18 | 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: 906 applications in 2025, of which 626 were originated and 40 denied.
4.4% of all applications, or 5.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Directors Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Directors Mortgage'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