Freedom Mortgage in Oregon vs the state
9.3%Denial rate-5.99 pts vs state
15.8%Decision denial rate-3.38 pts vs state
41.5%Origination rate-19.15 pts vs state
6.13%Median rate-0.63 pts vs state
0.09Rate spread (pts)-0.19 pts vs state
$100kMedian applicant income
712Loans originated
160Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 484 | 209 | 11.6% | 6.75% | #62 |
| 2024 | 1,224 | 595 | 10.8% | 6.25% | #30 |
| 2025 | 1,717 | 712 | 9.3% | 6.13% | #22 |
What Freedom Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 208 | 89 | 26 | 12.5% |
| Lane County | 189 | 86 | 15 | 7.9% |
| Washington County | 176 | 76 | 18 | 10.2% |
| Clackamas County | 149 | 62 | 11 | 7.4% |
| Marion County | 135 | 56 | 12 | 8.9% |
| Linn County | 104 | 43 | 7 | 6.7% |
| Jackson County | 103 | 42 | 4 | 3.9% |
| Douglas County | 87 | 32 | 11 | 12.6% |
| Deschutes County | 81 | 32 | 6 | 7.4% |
| Yamhill County | 59 | 24 | 9 | 15.3% |
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: 1,717 applications in 2025, of which 712 were originated and 160 denied.
9.3% of all applications, or 15.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Freedom Mortgage originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Freedom 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