Everett Financial in Oregon vs the state
4.2%Denial rate-11.11 pts vs state
10.5%Decision denial rate-8.68 pts vs state
34.7%Origination rate-25.89 pts vs state
6.63%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$126kMedian applicant income
91Loans originated
11Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 32 | 7.5% | 7.19% | #116 |
| 2024 | 78 | 44 | 11.5% | 7.38% | #171 |
| 2025 | 262 | 91 | 4.2% | 6.63% | #97 |
What Everett Financial lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 32 | 6 | 0 | 0.0% |
| Deschutes County | 29 | 14 | 0 | 0.0% |
| Crook County | 27 | 21 | 2 | 7.4% |
| Clackamas County | 26 | 4 | 2 | 7.7% |
| Marion County | 18 | 1 | 2 | 11.1% |
| Multnomah County | 17 | 3 | 0 | 0.0% |
| Clatsop County | 17 | 10 | 1 | 5.9% |
| Columbia County | 16 | 9 | 1 | 6.3% |
| Lane County | 12 | 4 | 0 | 0.0% |
| Douglas County | 11 | 5 | 1 | 9.1% |
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: 262 applications in 2025, of which 91 were originated and 11 denied.
4.2% of all applications, or 10.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Everett Financial originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Everett Financial'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