Guaranteed Rate Affinity in Oregon vs the state
8.5%Denial rate-6.80 pts vs state
10.8%Decision denial rate-8.35 pts vs state
70.2%Origination rate+9.59 pts vs state
6.50%Median rate-0.25 pts vs state
0.31Rate spread (pts)+0.03 pts vs state
$168kMedian applicant income
33Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 6 | 6.3% | 6.56% | #293 |
| 2024 | 37 | 25 | 2.7% | 6.63% | #234 |
| 2025 | 47 | 33 | 8.5% | 6.50% | #232 |
What Guaranteed Rate Affinity lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 12 | 9 | 0 | 0.0% |
| Lane County | 11 | 7 | 1 | 9.1% |
| Washington County | 10 | 8 | 1 | 10.0% |
| Clackamas County | 7 | 6 | 1 | 14.3% |
| Jackson County | 2 | 1 | 1 | 50.0% |
| Klamath County | 1 | 0 | 0 | 0.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Yamhill County | 1 | 0 | 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: 47 applications in 2025, of which 33 were originated and 4 denied.
8.5% of all applications, or 10.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Guaranteed Rate Affinity originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity'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