Lpmc in Oregon vs the state
2.4%Denial rate-12.88 pts vs state
3.2%Decision denial rate-15.99 pts vs state
74.2%Origination rate+13.54 pts vs state
6.50%Median rate-0.25 pts vs state
0.28Rate spread (pts)0.00 pts vs state
$109kMedian applicant income
244Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 318 | 231 | 1.9% | 6.75% | #80 |
| 2024 | 304 | 234 | 1.3% | 6.63% | #84 |
| 2025 | 329 | 244 | 2.4% | 6.50% | #85 |
What Lpmc lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Lpmc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 108 | 79 | 1 | 0.9% |
| Lincoln County | 35 | 24 | 1 | 2.9% |
| Deschutes County | 31 | 24 | 0 | 0.0% |
| Umatilla County | 28 | 26 | 0 | 0.0% |
| Linn County | 28 | 20 | 2 | 7.1% |
| Lane County | 23 | 18 | 0 | 0.0% |
| Polk County | 21 | 15 | 1 | 4.8% |
| Benton County | 8 | 8 | 0 | 0.0% |
| Crook County | 6 | 1 | 2 | 33.3% |
| Multnomah County | 6 | 5 | 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: 329 applications in 2025, of which 244 were originated and 8 denied.
2.4% of all applications, or 3.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Lpmc originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Lpmc'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