Mortgage Express in Oregon vs the state
3.5%Denial rate-11.86 pts vs state
4.0%Decision denial rate-15.12 pts vs state
73.2%Origination rate+12.62 pts vs state
6.50%Median rate-0.25 pts vs state
0.23Rate spread (pts)-0.05 pts vs state
$126kMedian applicant income
1,084Loans originated
51Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,035 | 715 | 4.2% | 6.63% | #34 |
| 2024 | 1,344 | 969 | 3.1% | 6.63% | #26 |
| 2025 | 1,480 | 1,084 | 3.5% | 6.50% | #24 |
What Mortgage Express lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Mortgage Express applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 321 | 234 | 12 | 3.7% |
| Multnomah County | 300 | 205 | 7 | 2.3% |
| Clackamas County | 209 | 146 | 8 | 3.8% |
| Marion County | 122 | 98 | 7 | 5.7% |
| Yamhill County | 94 | 72 | 6 | 6.4% |
| Benton County | 76 | 61 | 0 | 0.0% |
| Umatilla County | 64 | 48 | 5 | 7.8% |
| Jackson County | 57 | 44 | 3 | 5.3% |
| Lane County | 45 | 31 | 0 | 0.0% |
| Linn County | 39 | 29 | 1 | 2.6% |
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: 1,480 applications in 2025, of which 1,084 were originated and 51 denied.
3.5% of all applications, or 4.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Mortgage Express originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Express'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