Member First Mortgage in Oregon vs the state
20.6%Denial rate+5.32 pts vs state
30.2%Decision denial rate+11.07 pts vs state
46.0%Origination rate-14.59 pts vs state
6.25%Median rate-0.50 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$93kMedian applicant income
29Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 0 | 12.5% | — | #375 |
| 2024 | 60 | 25 | 13.3% | 6.63% | #192 |
| 2025 | 63 | 29 | 20.6% | 6.25% | #204 |
What Member First Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 24 | 15 | 4 | 16.7% |
| Klamath County | 16 | 4 | 5 | 31.3% |
| Crook County | 9 | 4 | 2 | 22.2% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Lake County | 4 | 0 | 2 | 50.0% |
| Gilliam County | 1 | 0 | 0 | 0.0% |
| Lane County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Tillamook County | 1 | 1 | 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: 63 applications in 2025, of which 29 were originated and 13 denied.
20.6% of all applications, or 30.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Member First Mortgage originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Member First Mortgage'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