Guild Mortgage in Oregon vs the state
2.6%Denial rate-12.71 pts vs state
3.3%Decision denial rate-15.83 pts vs state
69.9%Origination rate+9.28 pts vs state
6.55%Median rate-0.21 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$114kMedian applicant income
4,218Loans originated
157Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,152 | 2,928 | 2.3% | 6.88% | #4 |
| 2024 | 5,444 | 3,813 | 2.7% | 6.63% | #3 |
| 2025 | 6,034 | 4,218 | 2.6% | 6.55% | #4 |
What Guild Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 1,032 | 724 | 17 | 1.6% |
| Washington County | 660 | 475 | 16 | 2.4% |
| Clackamas County | 570 | 397 | 11 | 1.9% |
| Marion County | 508 | 359 | 15 | 3.0% |
| Jackson County | 461 | 339 | 15 | 3.3% |
| Lane County | 380 | 248 | 7 | 1.8% |
| Deschutes County | 377 | 239 | 13 | 3.4% |
| Umatilla County | 284 | 210 | 13 | 4.6% |
| Columbia County | 207 | 142 | 3 | 1.4% |
| Linn County | 182 | 128 | 3 | 1.6% |
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% |
| 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% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 6,034 applications in 2025, of which 4,218 were originated and 157 denied.
2.6% of all applications, or 3.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Guild Mortgage originated in Oregon in 2025 was 6.55%, against a statewide median of 6.75%.
About this data. Figures are Guild Mortgage'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