Mortgage Research Center in Oregon vs the state
17.9%Denial rate+2.59 pts vs state
29.5%Decision denial rate+10.29 pts vs state
42.4%Origination rate-18.25 pts vs state
6.13%Median rate-0.63 pts vs state
-0.36Rate spread (pts)-0.64 pts vs state
$99kMedian applicant income
838Loans originated
354Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,044 | 490 | 16.0% | 6.75% | #33 |
| 2024 | 1,491 | 713 | 16.2% | 6.25% | #23 |
| 2025 | 1,978 | 838 | 17.9% | 6.13% | #17 |
What Mortgage Research Center lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 182 | 70 | 35 | 19.2% |
| Multnomah County | 163 | 68 | 31 | 19.0% |
| Jackson County | 153 | 62 | 26 | 17.0% |
| Washington County | 151 | 64 | 28 | 18.5% |
| Lane County | 142 | 67 | 29 | 20.4% |
| Clackamas County | 135 | 45 | 23 | 17.0% |
| Klamath County | 102 | 51 | 16 | 15.7% |
| Douglas County | 101 | 50 | 15 | 14.9% |
| Deschutes County | 98 | 33 | 15 | 15.3% |
| Coos County | 82 | 34 | 12 | 14.6% |
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: 1,978 applications in 2025, of which 838 were originated and 354 denied.
17.9% of all applications, or 29.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Mortgage Research Center originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Research Center'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