HomePromise in Oregon vs the state
81.8%Denial rate+66.51 pts vs state
100.0%Decision denial rate+80.84 pts vs state
0.0%Origination rate-60.62 pts vs state
—Median rate
—Rate spread (pts)
$60kMedian applicant income
0Loans originated
9Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 1 | 50.0% | 7.50% | #238 |
| 2024 | 21 | 1 | 47.6% | 7.88% | #283 |
| 2025 | 11 | 0 | 81.8% | — | #358 |
What HomePromise lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most HomePromise applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 3 | 0 | 3 | 100.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Multnomah County | 1 | 0 | 1 | 100.0% |
| Lincoln County | 1 | 0 | 1 | 100.0% |
| Klamath County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
| Josephine County | 1 | 0 | 1 | 100.0% |
| Polk County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 0 were originated and 9 denied.
81.8% of all applications, or 100.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are HomePromise'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