Guaranteed Rate in Oregon vs the state
3.1%Denial rate-12.17 pts vs state
4.8%Decision denial rate-14.35 pts vs state
60.9%Origination rate+0.24 pts vs state
6.58%Median rate-0.17 pts vs state
0.20Rate spread (pts)-0.08 pts vs state
$134kMedian applicant income
1,065Loans originated
55Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 954 | 529 | 2.7% | 6.58% | #38 |
| 2024 | 930 | 598 | 5.7% | 6.63% | #43 |
| 2025 | 1,750 | 1,065 | 3.1% | 6.58% | #20 |
What Guaranteed Rate lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 589 | 386 | 6 | 1.0% |
| Deschutes County | 220 | 152 | 7 | 3.2% |
| Washington County | 201 | 104 | 9 | 4.5% |
| Clackamas County | 192 | 108 | 9 | 4.7% |
| Coos County | 114 | 77 | 3 | 2.6% |
| Marion County | 76 | 39 | 3 | 3.9% |
| Lane County | 61 | 32 | 7 | 11.5% |
| Yamhill County | 42 | 32 | 2 | 4.8% |
| Jackson County | 39 | 19 | 1 | 2.6% |
| Polk County | 24 | 12 | 1 | 4.2% |
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: 1,750 applications in 2025, of which 1,065 were originated and 55 denied.
3.1% of all applications, or 4.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Guaranteed Rate originated in Oregon in 2025 was 6.58%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate'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