Kind Lending in Oregon vs the state
20.8%Denial rate+5.53 pts vs state
22.8%Decision denial rate+3.60 pts vs state
70.1%Origination rate+9.45 pts vs state
6.63%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.08 pts vs state
$131kMedian applicant income
864Loans originated
257Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 465 | 314 | 20.7% | 6.50% | #65 |
| 2024 | 802 | 567 | 18.3% | 6.63% | #48 |
| 2025 | 1,233 | 864 | 20.8% | 6.63% | #33 |
What Kind Lending lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 204 | 150 | 42 | 20.6% |
| Lane County | 146 | 112 | 19 | 13.0% |
| Multnomah County | 129 | 93 | 20 | 15.5% |
| Douglas County | 89 | 62 | 19 | 21.3% |
| Washington County | 87 | 56 | 16 | 18.4% |
| Marion County | 85 | 55 | 21 | 24.7% |
| Clackamas County | 76 | 56 | 15 | 19.7% |
| Klamath County | 75 | 55 | 18 | 24.0% |
| Jackson County | 53 | 32 | 15 | 28.3% |
| Yamhill County | 31 | 24 | 7 | 22.6% |
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: 1,233 applications in 2025, of which 864 were originated and 257 denied.
20.8% of all applications, or 22.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Kind Lending originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Kind Lending'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