Home Mortgage Alliance Corporation (HMAC) in Oregon vs the state
16.7%Denial rate+1.36 pts vs state
30.0%Decision denial rate+10.84 pts vs state
38.9%Origination rate-21.73 pts vs state
6.88%Median rate+0.13 pts vs state
0.76Rate spread (pts)+0.48 pts vs state
$142kMedian applicant income
7Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 8 | 27.3% | 8.13% | #271 |
| 2024 | 32 | 13 | 6.3% | 9.00% | #247 |
| 2025 | 18 | 7 | 16.7% | 6.88% | #302 |
What Home Mortgage Alliance Corporation (HMAC) lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 4 | 1 | 1 | 25.0% |
| Multnomah County | 4 | 2 | 1 | 25.0% |
| Lane County | 3 | 1 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 1 | 50.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Clackamas County | 1 | 0 | 0 | 0.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Klamath 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: 18 applications in 2025, of which 7 were originated and 3 denied.
16.7% of all applications, or 30.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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