OCMBC in Oregon vs the state
15.7%Denial rate+0.35 pts vs state
21.8%Decision denial rate+2.67 pts vs state
47.5%Origination rate-13.15 pts vs state
7.00%Median rate+0.25 pts vs state
0.85Rate spread (pts)+0.57 pts vs state
$136kMedian applicant income
94Loans originated
31Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 86 | 21.4% | 8.25% | #123 |
| 2024 | 176 | 84 | 27.3% | 7.88% | #114 |
| 2025 | 198 | 94 | 15.7% | 7.00% | #119 |
What OCMBC lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 40 | 21 | 0 | 0.0% |
| Marion County | 28 | 17 | 2 | 7.1% |
| Clackamas County | 25 | 12 | 1 | 4.0% |
| Washington County | 23 | 8 | 6 | 26.1% |
| Lane County | 17 | 8 | 4 | 23.5% |
| Jackson County | 13 | 2 | 7 | 53.8% |
| Yamhill County | 7 | 5 | 0 | 0.0% |
| Deschutes County | 7 | 4 | 1 | 14.3% |
| Clatsop County | 5 | 1 | 2 | 40.0% |
| Douglas County | 4 | 2 | 1 | 25.0% |
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: 198 applications in 2025, of which 94 were originated and 31 denied.
15.7% of all applications, or 21.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans OCMBC originated in Oregon in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are OCMBC'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