Finance of America Reverse in Oregon vs the state
9.4%Denial rate-5.89 pts vs state
11.8%Decision denial rate-7.36 pts vs state
69.5%Origination rate+8.89 pts vs state
6.38%Median rate-0.38 pts vs state
—Rate spread (pts)
$33kMedian applicant income
155Loans originated
21Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 158 | 12.0% | 7.63% | #102 |
| 2024 | 205 | 147 | 8.8% | 7.34% | #102 |
| 2025 | 223 | 155 | 9.4% | 6.38% | #111 |
What Finance of America Reverse lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 27 | 18 | 2 | 7.4% |
| Washington County | 25 | 20 | 1 | 4.0% |
| Deschutes County | 25 | 19 | 3 | 12.0% |
| Clackamas County | 20 | 14 | 3 | 15.0% |
| Lane County | 20 | 17 | 0 | 0.0% |
| Jackson County | 17 | 11 | 2 | 11.8% |
| Marion County | 14 | 9 | 1 | 7.1% |
| Clatsop County | 8 | 5 | 1 | 12.5% |
| Douglas County | 8 | 3 | 0 | 0.0% |
| Yamhill County | 7 | 5 | 1 | 14.3% |
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: 223 applications in 2025, of which 155 were originated and 21 denied.
9.4% of all applications, or 11.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Finance of America Reverse originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Finance of America Reverse'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