Equity Prime Mortgage in Oregon vs the state
9.7%Denial rate-5.65 pts vs state
17.6%Decision denial rate-1.60 pts vs state
45.4%Origination rate-15.24 pts vs state
6.44%Median rate-0.31 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$98kMedian applicant income
108Loans originated
23Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 43 | 1.3% | 6.50% | #165 |
| 2024 | 149 | 78 | 5.4% | 6.75% | #131 |
| 2025 | 238 | 108 | 9.7% | 6.44% | #102 |
What Equity Prime Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 31 | 12 | 3 | 9.7% |
| Multnomah County | 22 | 6 | 2 | 9.1% |
| Douglas County | 19 | 8 | 2 | 10.5% |
| Deschutes County | 19 | 12 | 2 | 10.5% |
| Lane County | 17 | 10 | 0 | 0.0% |
| Jackson County | 14 | 6 | 0 | 0.0% |
| Clackamas County | 13 | 7 | 2 | 15.4% |
| Klamath County | 12 | 4 | 4 | 33.3% |
| Josephine County | 11 | 6 | 1 | 9.1% |
| Linn County | 10 | 5 | 3 | 30.0% |
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: 238 applications in 2025, of which 108 were originated and 23 denied.
9.7% of all applications, or 17.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Equity Prime Mortgage originated in Oregon in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Equity Prime 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