Fairway Independent Mortgage in Oregon vs the state
5.5%Denial rate-9.79 pts vs state
7.0%Decision denial rate-12.17 pts vs state
72.9%Origination rate+12.23 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.08 pts vs state
$120kMedian applicant income
1,175Loans originated
89Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,723 | 1,221 | 4.3% | 6.75% | #13 |
| 2024 | 1,577 | 1,120 | 4.1% | 6.63% | #20 |
| 2025 | 1,613 | 1,175 | 5.5% | 6.63% | #23 |
What Fairway Independent Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 334 | 228 | 21 | 6.3% |
| Clackamas County | 269 | 184 | 19 | 7.1% |
| Washington County | 190 | 129 | 12 | 6.3% |
| Deschutes County | 103 | 82 | 1 | 1.0% |
| Marion County | 97 | 70 | 8 | 8.2% |
| Union County | 96 | 73 | 6 | 6.3% |
| Jackson County | 60 | 41 | 5 | 8.3% |
| Clatsop County | 55 | 44 | 3 | 5.5% |
| Crook County | 48 | 41 | 1 | 2.1% |
| Polk County | 43 | 33 | 2 | 4.7% |
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: 1,613 applications in 2025, of which 1,175 were originated and 89 denied.
5.5% of all applications, or 7.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Fairway Independent Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Fairway Independent 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