Lower in Oregon vs the state
9.6%Denial rate-5.68 pts vs state
15.8%Decision denial rate-3.37 pts vs state
51.3%Origination rate-9.28 pts vs state
6.50%Median rate-0.25 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$114kMedian applicant income
96Loans originated
18Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 14 | 29.4% | 7.19% | #229 |
| 2024 | 115 | 64 | 11.3% | 6.63% | #150 |
| 2025 | 187 | 96 | 9.6% | 6.50% | #123 |
What Lower lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 33 | 25 | 1 | 3.0% |
| Multnomah County | 29 | 13 | 5 | 17.2% |
| Clackamas County | 21 | 11 | 0 | 0.0% |
| Marion County | 17 | 9 | 1 | 5.9% |
| Deschutes County | 12 | 5 | 2 | 16.7% |
| Douglas County | 8 | 4 | 2 | 25.0% |
| Jackson County | 8 | 3 | 0 | 0.0% |
| Josephine County | 7 | 1 | 0 | 0.0% |
| Lane County | 7 | 4 | 0 | 0.0% |
| Linn County | 6 | 4 | 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: 187 applications in 2025, of which 96 were originated and 18 denied.
9.6% of all applications, or 15.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Lower originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Lower'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