Land Home Financial Services in Oregon vs the state
30.8%Denial rate+15.46 pts vs state
30.8%Decision denial rate+11.61 pts vs state
61.5%Origination rate+0.92 pts vs state
6.44%Median rate-0.31 pts vs state
0.29Rate spread (pts)+0.01 pts vs state
$103kMedian applicant income
8Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 0.0% | 7.25% | #385 |
| 2024 | 12 | 10 | 8.3% | 7.13% | #334 |
| 2025 | 13 | 8 | 30.8% | 6.44% | #334 |
What Land Home Financial Services lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Land Home Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baker County | 4 | 3 | 1 | 25.0% |
| Lane County | 2 | 1 | 1 | 50.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Josephine County | 1 | 1 | 0 | 0.0% |
| Yamhill County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
| Umatilla County | 1 | 1 | 0 | 0.0% |
| Coos 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: 13 applications in 2025, of which 8 were originated and 4 denied.
30.8% of all applications, or 30.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Land Home Financial Services originated in Oregon in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Land Home Financial Services'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