Manufacturers and Traders Trust in Oregon vs the state
23.5%Denial rate+8.22 pts vs state
30.0%Decision denial rate+10.84 pts vs state
52.9%Origination rate-7.68 pts vs state
5.50%Median rate-1.25 pts vs state
0.22Rate spread (pts)-0.06 pts vs state
$104kMedian applicant income
27Loans originated
12Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 17 | 14.8% | 6.25% | #249 |
| 2024 | 29 | 17 | 13.8% | 3.63% | #251 |
| 2025 | 51 | 27 | 23.5% | 5.50% | #223 |
What Manufacturers and Traders Trust lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 16 | 7 | 5 | 31.3% |
| Washington County | 9 | 3 | 1 | 11.1% |
| Clackamas County | 5 | 3 | 2 | 40.0% |
| Jackson County | 4 | 0 | 1 | 25.0% |
| Marion County | 4 | 3 | 1 | 25.0% |
| Lane County | 3 | 3 | 0 | 0.0% |
| Deschutes County | 3 | 3 | 0 | 0.0% |
| Linn County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Polk 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: 51 applications in 2025, of which 27 were originated and 12 denied.
23.5% of all applications, or 30.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Manufacturers and Traders Trust originated in Oregon in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Manufacturers and Traders Trust'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