Pennymac Loan Services in Oregon vs the state
10.2%Denial rate-5.13 pts vs state
14.7%Decision denial rate-4.46 pts vs state
57.4%Origination rate-3.20 pts vs state
6.62%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.08 pts vs state
$120kMedian applicant income
1,517Loans originated
269Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,401 | 721 | 12.2% | 6.75% | #19 |
| 2024 | 1,789 | 993 | 12.3% | 6.62% | #17 |
| 2025 | 2,642 | 1,517 | 10.2% | 6.62% | #9 |
What Pennymac Loan Services lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 380 | 211 | 40 | 10.5% |
| Washington County | 367 | 225 | 29 | 7.9% |
| Clackamas County | 287 | 169 | 25 | 8.7% |
| Marion County | 241 | 144 | 33 | 13.7% |
| Deschutes County | 183 | 124 | 11 | 6.0% |
| Lane County | 173 | 86 | 21 | 12.1% |
| Jackson County | 165 | 100 | 15 | 9.1% |
| Linn County | 99 | 49 | 8 | 8.1% |
| Yamhill County | 99 | 64 | 8 | 8.1% |
| Douglas County | 74 | 40 | 9 | 12.2% |
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% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 2,642 applications in 2025, of which 1,517 were originated and 269 denied.
10.2% of all applications, or 14.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Pennymac Loan Services originated in Oregon in 2025 was 6.62%, against a statewide median of 6.75%.
About this data. Figures are Pennymac Loan Services'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