Kiavi Funding in Oregon vs the state
8.1%Denial rate-7.23 pts vs state
14.3%Decision denial rate-4.87 pts vs state
46.0%Origination rate-14.66 pts vs state
10.45%Median rate+3.70 pts vs state
—Rate spread (pts)
—Median applicant income
91Loans originated
16Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 46 | 14.0% | 11.35% | #151 |
| 2024 | 77 | 54 | 13.0% | 10.99% | #172 |
| 2025 | 198 | 91 | 8.1% | 10.45% | #120 |
What Kiavi Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 56 | 37 | 6 | 10.7% |
| Linn County | 32 | 1 | 0 | 0.0% |
| Lane County | 17 | 12 | 2 | 11.8% |
| Baker County | 13 | 1 | 0 | 0.0% |
| Marion County | 13 | 5 | 0 | 0.0% |
| Clackamas County | 13 | 9 | 0 | 0.0% |
| Jackson County | 12 | 1 | 0 | 0.0% |
| Yamhill County | 7 | 2 | 3 | 42.9% |
| Deschutes County | 7 | 4 | 1 | 14.3% |
| Umatilla County | 6 | 6 | 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: 198 applications in 2025, of which 91 were originated and 16 denied.
8.1% of all applications, or 14.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Kiavi Funding originated in Oregon in 2025 was 10.45%, against a statewide median of 6.75%.
About this data. Figures are Kiavi Funding'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