Mid Oregon in Oregon vs the state
14.6%Denial rate-0.67 pts vs state
17.3%Decision denial rate-1.83 pts vs state
69.5%Origination rate+8.84 pts vs state
7.99%Median rate+1.24 pts vs state
0.79Rate spread (pts)+0.51 pts vs state
$106kMedian applicant income
555Loans originated
117Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 914 | 673 | 11.4% | 8.74% | #41 |
| 2024 | 891 | 625 | 13.1% | 8.99% | #46 |
| 2025 | 799 | 555 | 14.6% | 7.99% | #53 |
What Mid Oregon lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Mid Oregon applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 405 | 369 | 15 | 3.7% |
| Crook County | 93 | 82 | 4 | 4.3% |
| Jefferson County | 67 | 61 | 4 | 6.0% |
| Klamath County | 24 | 22 | 2 | 8.3% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Wasco County | 2 | 1 | 1 | 50.0% |
| Lane County | 2 | 2 | 0 | 0.0% |
| Linn County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Baker 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: 799 applications in 2025, of which 555 were originated and 117 denied.
14.6% of all applications, or 17.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Mid Oregon originated in Oregon in 2025 was 7.99%, against a statewide median of 6.75%.
About this data. Figures are Mid Oregon'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