Figure Lending in Oregon vs the state
27.7%Denial rate+12.36 pts vs state
29.1%Decision denial rate+9.93 pts vs state
48.8%Origination rate-11.81 pts vs state
8.90%Median rate+2.15 pts vs state
2.42Rate spread (pts)+2.14 pts vs state
$108kMedian applicant income
552Loans originated
313Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 961 | 435 | 33.2% | 10.90% | #37 |
| 2024 | 1,329 | 657 | 27.3% | 10.35% | #27 |
| 2025 | 1,131 | 552 | 27.7% | 8.90% | #37 |
What Figure Lending lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 172 | 81 | 45 | 26.2% |
| Lane County | 144 | 69 | 40 | 27.8% |
| Washington County | 121 | 55 | 40 | 33.1% |
| Clackamas County | 107 | 46 | 31 | 29.0% |
| Marion County | 84 | 45 | 22 | 26.2% |
| Deschutes County | 77 | 37 | 19 | 24.7% |
| Jackson County | 66 | 40 | 13 | 19.7% |
| Linn County | 42 | 20 | 13 | 31.0% |
| Yamhill County | 31 | 16 | 8 | 25.8% |
| Josephine County | 26 | 12 | 11 | 42.3% |
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: 1,131 applications in 2025, of which 552 were originated and 313 denied.
27.7% of all applications, or 29.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Figure Lending originated in Oregon in 2025 was 8.90%, against a statewide median of 6.75%.
About this data. Figures are Figure Lending'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