Filo Mortgage in Oregon vs the state
5.5%Denial rate-9.83 pts vs state
8.5%Decision denial rate-10.65 pts vs state
48.0%Origination rate-12.67 pts vs state
6.50%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.21 pts vs state
$154kMedian applicant income
35Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 12 | 7.8% | 6.50% | #201 |
| 2024 | 40 | 19 | 0.0% | 6.63% | #225 |
| 2025 | 73 | 35 | 5.5% | 6.50% | #189 |
What Filo Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 18 | 4 | 2 | 11.1% |
| Washington County | 15 | 8 | 1 | 6.7% |
| Jackson County | 9 | 3 | 0 | 0.0% |
| Clackamas County | 8 | 5 | 1 | 12.5% |
| Deschutes County | 5 | 2 | 0 | 0.0% |
| Marion County | 5 | 3 | 0 | 0.0% |
| Lane County | 4 | 4 | 0 | 0.0% |
| Linn County | 3 | 3 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Coos County | 1 | 0 | 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: 73 applications in 2025, of which 35 were originated and 4 denied.
5.5% of all applications, or 8.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Filo Mortgage originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Filo 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