Hometown Equity Mortgage in Oregon vs the state
44.3%Denial rate+28.94 pts vs state
44.6%Decision denial rate+25.48 pts vs state
54.9%Origination rate-5.75 pts vs state
7.25%Median rate+0.50 pts vs state
1.02Rate spread (pts)+0.74 pts vs state
$181kMedian applicant income
62Loans originated
50Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 25 | 33.9% | 7.00% | #196 |
| 2024 | 52 | 30 | 32.7% | 7.25% | #201 |
| 2025 | 113 | 62 | 44.3% | 7.25% | #160 |
What Hometown Equity Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 20 | 7 | 13 | 65.0% |
| Deschutes County | 16 | 10 | 6 | 37.5% |
| Washington County | 13 | 10 | 3 | 23.1% |
| Marion County | 13 | 7 | 6 | 46.2% |
| Clackamas County | 8 | 2 | 6 | 75.0% |
| Benton County | 6 | 4 | 2 | 33.3% |
| Jackson County | 6 | 3 | 3 | 50.0% |
| Lane County | 5 | 2 | 2 | 40.0% |
| Linn County | 5 | 3 | 2 | 40.0% |
| Tillamook County | 4 | 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: 113 applications in 2025, of which 62 were originated and 50 denied.
44.3% of all applications, or 44.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Hometown Equity Mortgage originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Hometown Equity 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