First Colony Mortgage in Oregon vs the state
5.6%Denial rate-9.75 pts vs state
6.7%Decision denial rate-12.49 pts vs state
72.2%Origination rate+11.60 pts vs state
6.49%Median rate-0.26 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$82kMedian applicant income
52Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 42 | 4.2% | 6.88% | #204 |
| 2024 | 70 | 53 | 2.9% | 6.63% | #175 |
| 2025 | 72 | 52 | 5.6% | 6.49% | #191 |
What First Colony Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Malheur County | 45 | 37 | 2 | 4.4% |
| Washington County | 6 | 1 | 1 | 16.7% |
| Marion County | 4 | 2 | 1 | 25.0% |
| Clackamas County | 4 | 2 | 0 | 0.0% |
| Grant County | 3 | 3 | 0 | 0.0% |
| Harney County | 1 | 1 | 0 | 0.0% |
| Klamath County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Hood River County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 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: 72 applications in 2025, of which 52 were originated and 4 denied.
5.6% of all applications, or 6.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans First Colony Mortgage originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are First Colony 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