Homexpress Mortgage in Oregon vs the state
27.5%Denial rate+12.23 pts vs state
27.7%Decision denial rate+8.50 pts vs state
72.0%Origination rate+11.41 pts vs state
7.25%Median rate+0.50 pts vs state
1.16Rate spread (pts)+0.88 pts vs state
$290kMedian applicant income
170Loans originated
65Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 57 | 44.9% | 8.50% | #143 |
| 2024 | 186 | 104 | 43.0% | 7.75% | #110 |
| 2025 | 236 | 170 | 27.5% | 7.25% | #103 |
What Homexpress Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 41 | 36 | 5 | 12.2% |
| Washington County | 32 | 19 | 13 | 40.6% |
| Clackamas County | 31 | 24 | 7 | 22.6% |
| Marion County | 20 | 13 | 6 | 30.0% |
| Deschutes County | 14 | 9 | 5 | 35.7% |
| Lane County | 13 | 8 | 5 | 38.5% |
| Linn County | 13 | 10 | 3 | 23.1% |
| Lincoln County | 11 | 7 | 4 | 36.4% |
| Jackson County | 9 | 9 | 0 | 0.0% |
| Douglas County | 8 | 5 | 3 | 37.5% |
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: 236 applications in 2025, of which 170 were originated and 65 denied.
27.5% of all applications, or 27.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Homexpress Mortgage originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Homexpress 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