NFM in Oregon vs the state
7.1%Denial rate-8.17 pts vs state
7.7%Decision denial rate-11.47 pts vs state
85.7%Origination rate+25.09 pts vs state
6.62%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.08 pts vs state
$134kMedian applicant income
12Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 93 | 0.0% | 6.63% | #140 |
| 2024 | 94 | 83 | 0.0% | 6.88% | #160 |
| 2025 | 14 | 12 | 7.1% | 6.62% | #326 |
What NFM lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 4 | 4 | 0 | 0.0% |
| Clackamas County | 3 | 3 | 0 | 0.0% |
| Klamath County | 2 | 1 | 0 | 0.0% |
| Josephine County | 2 | 1 | 1 | 50.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Marion 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: 14 applications in 2025, of which 12 were originated and 1 denied.
7.1% of all applications, or 7.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans NFM originated in Oregon in 2025 was 6.62%, against a statewide median of 6.75%.
About this data. Figures are NFM'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