Home Loan Investment Bank in Oregon vs the state
33.3%Denial rate+18.02 pts vs state
33.3%Decision denial rate+14.17 pts vs state
66.7%Origination rate+6.05 pts vs state
6.95%Median rate+0.20 pts vs state
2.80Rate spread (pts)+2.52 pts vs state
$137kMedian applicant income
4Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 4 | 30.0% | 7.29% | #353 |
| 2025 | 6 | 4 | 33.3% | 6.95% | #424 |
What Home Loan Investment Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crook County | 1 | 1 | 0 | 0.0% |
| Lane County | 1 | 0 | 1 | 100.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Klamath County | 1 | 1 | 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: 6 applications in 2025, of which 4 were originated and 2 denied.
33.3% of all applications, or 33.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Home Loan Investment Bank originated in Oregon in 2025 was 6.95%, against a statewide median of 6.75%.
About this data. Figures are Home Loan Investment Bank'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