Lendage in Oregon vs the state
7.3%Denial rate-7.98 pts vs state
8.3%Decision denial rate-10.90 pts vs state
72.9%Origination rate+12.27 pts vs state
10.75%Median rate+4.00 pts vs state
4.65Rate spread (pts)+4.37 pts vs state
$115kMedian applicant income
199Loans originated
20Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 129 | 103 | 12.4% | 12.50% | #140 |
| 2025 | 273 | 199 | 7.3% | 10.75% | #95 |
What Lendage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Lendage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 42 | 32 | 3 | 7.1% |
| Lane County | 31 | 24 | 1 | 3.2% |
| Washington County | 30 | 21 | 2 | 6.7% |
| Clackamas County | 28 | 16 | 3 | 10.7% |
| Marion County | 27 | 19 | 7 | 25.9% |
| Douglas County | 15 | 11 | 0 | 0.0% |
| Linn County | 12 | 9 | 1 | 8.3% |
| Deschutes County | 10 | 6 | 1 | 10.0% |
| Coos County | 10 | 8 | 1 | 10.0% |
| Umatilla County | 8 | 3 | 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: 273 applications in 2025, of which 199 were originated and 20 denied.
7.3% of all applications, or 8.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Lendage originated in Oregon in 2025 was 10.75%, against a statewide median of 6.75%.
About this data. Figures are Lendage'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