Envoy Mortgage in Oregon vs the state
5.5%Denial rate-9.78 pts vs state
7.4%Decision denial rate-11.77 pts vs state
69.4%Origination rate+8.74 pts vs state
6.50%Median rate-0.25 pts vs state
0.13Rate spread (pts)-0.15 pts vs state
$124kMedian applicant income
163Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 40 | 1.9% | 6.88% | #200 |
| 2024 | 159 | 120 | 2.5% | 6.63% | #124 |
| 2025 | 235 | 163 | 5.5% | 6.50% | #105 |
What Envoy Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 42 | 29 | 1 | 2.4% |
| Marion County | 32 | 20 | 1 | 3.1% |
| Multnomah County | 27 | 17 | 1 | 3.7% |
| Lane County | 24 | 18 | 3 | 12.5% |
| Douglas County | 19 | 15 | 2 | 10.5% |
| Clackamas County | 18 | 12 | 0 | 0.0% |
| Linn County | 14 | 10 | 2 | 14.3% |
| Polk County | 12 | 11 | 1 | 8.3% |
| Lincoln County | 8 | 3 | 0 | 0.0% |
| Yamhill County | 7 | 6 | 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: 235 applications in 2025, of which 163 were originated and 13 denied.
5.5% of all applications, or 7.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Envoy Mortgage originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Envoy 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