GoodLeap in Oregon vs the state
19.3%Denial rate+3.94 pts vs state
22.7%Decision denial rate+3.50 pts vs state
54.4%Origination rate-6.23 pts vs state
7.35%Median rate+0.60 pts vs state
0.02Rate spread (pts)-0.26 pts vs state
$84kMedian applicant income
130Loans originated
46Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 32 | 24.6% | 5.63% | #177 |
| 2024 | 193 | 92 | 21.8% | 5.63% | #105 |
| 2025 | 239 | 130 | 19.3% | 7.35% | #101 |
What GoodLeap lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 43 | 19 | 10 | 23.3% |
| Clackamas County | 26 | 13 | 5 | 19.2% |
| Marion County | 24 | 15 | 1 | 4.2% |
| Washington County | 23 | 14 | 4 | 17.4% |
| Josephine County | 18 | 12 | 2 | 11.1% |
| Jackson County | 15 | 8 | 4 | 26.7% |
| Lane County | 13 | 8 | 1 | 7.7% |
| Malheur County | 11 | 6 | 1 | 9.1% |
| Linn County | 9 | 4 | 2 | 22.2% |
| Umatilla County | 9 | 4 | 3 | 33.3% |
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: 239 applications in 2025, of which 130 were originated and 46 denied.
19.3% of all applications, or 22.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans GoodLeap originated in Oregon in 2025 was 7.35%, against a statewide median of 6.75%.
About this data. Figures are GoodLeap'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