Oregon Community in Oregon vs the state
12.1%Denial rate-3.17 pts vs state
14.0%Decision denial rate-5.15 pts vs state
71.4%Origination rate+10.75 pts vs state
7.50%Median rate+0.75 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$106kMedian applicant income
1,593Loans originated
271Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,609 | 1,493 | 34.1% | 8.25% | #7 |
| 2024 | 1,977 | 1,360 | 16.0% | 8.50% | #14 |
| 2025 | 2,232 | 1,593 | 12.1% | 7.50% | #13 |
What Oregon Community lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Oregon Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 1,325 | 969 | 136 | 10.3% |
| Marion County | 232 | 169 | 29 | 12.5% |
| Multnomah County | 98 | 64 | 18 | 18.4% |
| Clackamas County | 91 | 55 | 15 | 16.5% |
| Linn County | 73 | 55 | 6 | 8.2% |
| Washington County | 64 | 36 | 12 | 18.8% |
| Deschutes County | 64 | 47 | 7 | 10.9% |
| Polk County | 58 | 41 | 10 | 17.2% |
| Douglas County | 55 | 36 | 16 | 29.1% |
| Benton County | 42 | 33 | 3 | 7.1% |
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: 2,232 applications in 2025, of which 1,593 were originated and 271 denied.
12.1% of all applications, or 14.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Oregon Community originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Oregon Community'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