Homeamerican Mortgage in Oregon vs the state
12.0%Denial rate-3.31 pts vs state
12.5%Decision denial rate-6.66 pts vs state
80.0%Origination rate+19.38 pts vs state
4.50%Median rate-2.25 pts vs state
-1.70Rate spread (pts)-1.98 pts vs state
$124kMedian applicant income
40Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 54 | 9.2% | 5.56% | #167 |
| 2024 | 68 | 55 | 7.4% | 5.00% | #179 |
| 2025 | 50 | 40 | 12.0% | 4.50% | #224 |
What Homeamerican Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 25 | 19 | 4 | 16.0% |
| Clackamas County | 20 | 17 | 2 | 10.0% |
| Marion County | 5 | 4 | 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: 50 applications in 2025, of which 40 were originated and 6 denied.
12.0% of all applications, or 12.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Homeamerican Mortgage originated in Oregon in 2025 was 4.50%, against a statewide median of 6.75%.
About this data. Figures are Homeamerican 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