Georgia'S Own in Oregon vs the state
18.0%Denial rate+2.72 pts vs state
19.6%Decision denial rate+0.48 pts vs state
73.8%Origination rate+13.15 pts vs state
8.25%Median rate+1.50 pts vs state
0.99Rate spread (pts)+0.71 pts vs state
$246kMedian applicant income
90Loans originated
22Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 21 | 15.4% | 10.49% | #256 |
| 2024 | 163 | 120 | 17.2% | 10.13% | #121 |
| 2025 | 122 | 90 | 18.0% | 8.25% | #155 |
What Georgia'S Own lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 35 | 26 | 7 | 20.0% |
| Multnomah County | 23 | 15 | 6 | 26.1% |
| Washington County | 17 | 15 | 1 | 5.9% |
| Deschutes County | 7 | 5 | 1 | 14.3% |
| Yamhill County | 6 | 3 | 2 | 33.3% |
| Lane County | 6 | 5 | 0 | 0.0% |
| Jackson County | 6 | 4 | 2 | 33.3% |
| Marion County | 5 | 4 | 1 | 20.0% |
| Linn County | 4 | 4 | 0 | 0.0% |
| Lincoln County | 3 | 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: 122 applications in 2025, of which 90 were originated and 22 denied.
18.0% of all applications, or 19.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Georgia'S Own originated in Oregon in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Georgia'S Own'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