Nations Direct Mortgage in Oregon vs the state
1.2%Denial rate-14.15 pts vs state
1.4%Decision denial rate-17.78 pts vs state
82.6%Origination rate+21.96 pts vs state
6.49%Median rate-0.26 pts vs state
0.09Rate spread (pts)-0.19 pts vs state
$132kMedian applicant income
1,427Loans originated
20Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,096 | 906 | 1.9% | 6.50% | #29 |
| 2024 | 1,539 | 1,290 | 1.5% | 6.63% | #21 |
| 2025 | 1,728 | 1,427 | 1.2% | 6.49% | #21 |
What Nations Direct Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 437 | 368 | 2 | 0.5% |
| Washington County | 284 | 235 | 2 | 0.7% |
| Clackamas County | 273 | 233 | 4 | 1.5% |
| Marion County | 206 | 157 | 6 | 2.9% |
| Deschutes County | 92 | 77 | 0 | 0.0% |
| Columbia County | 75 | 62 | 2 | 2.7% |
| Polk County | 55 | 45 | 0 | 0.0% |
| Linn County | 49 | 40 | 0 | 0.0% |
| Yamhill County | 48 | 41 | 1 | 2.1% |
| Lane County | 39 | 31 | 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: 1,728 applications in 2025, of which 1,427 were originated and 20 denied.
1.2% of all applications, or 1.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Nations Direct Mortgage originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Nations Direct 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