Lima One Capital in Oregon vs the state
7.1%Denial rate-8.17 pts vs state
7.9%Decision denial rate-11.27 pts vs state
83.3%Origination rate+22.71 pts vs state
9.75%Median rate+3.00 pts vs state
—Rate spread (pts)
—Median applicant income
70Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 23 | 0.0% | 10.70% | #267 |
| 2024 | 89 | 69 | 11.2% | 10.25% | #165 |
| 2025 | 84 | 70 | 7.1% | 9.75% | #179 |
What Lima One Capital lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 33 | 28 | 2 | 6.1% |
| Washington County | 26 | 25 | 1 | 3.8% |
| Lane County | 7 | 5 | 0 | 0.0% |
| Clackamas County | 7 | 7 | 0 | 0.0% |
| Clatsop County | 3 | 0 | 1 | 33.3% |
| Deschutes County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 0 | 2 | 100.0% |
| Yamhill County | 1 | 0 | 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: 84 applications in 2025, of which 70 were originated and 6 denied.
7.1% of all applications, or 7.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Lima One Capital originated in Oregon in 2025 was 9.75%, against a statewide median of 6.75%.
About this data. Figures are Lima One Capital'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