Gesa in Oregon vs the state
14.0%Denial rate-1.29 pts vs state
18.1%Decision denial rate-1.09 pts vs state
62.6%Origination rate+2.00 pts vs state
7.38%Median rate+0.63 pts vs state
0.67Rate spread (pts)+0.39 pts vs state
$99kMedian applicant income
67Loans originated
15Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 49 | 19.3% | 9.25% | #160 |
| 2024 | 108 | 60 | 25.9% | 8.50% | #153 |
| 2025 | 107 | 67 | 14.0% | 7.38% | #163 |
What Gesa lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Gesa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Umatilla County | 49 | 33 | 8 | 16.3% |
| Morrow County | 11 | 7 | 0 | 0.0% |
| Multnomah County | 8 | 6 | 1 | 12.5% |
| Clackamas County | 7 | 3 | 3 | 42.9% |
| Jackson County | 5 | 3 | 1 | 20.0% |
| Marion County | 5 | 3 | 0 | 0.0% |
| Union County | 5 | 0 | 1 | 20.0% |
| Polk County | 3 | 1 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
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: 107 applications in 2025, of which 67 were originated and 15 denied.
14.0% of all applications, or 18.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Gesa originated in Oregon in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Gesa'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