PHH Mortgage in Oregon vs the state
7.6%Denial rate-7.72 pts vs state
14.6%Decision denial rate-4.59 pts vs state
43.5%Origination rate-17.17 pts vs state
5.99%Median rate-0.76 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$96kMedian applicant income
126Loans originated
22Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 58 | 28.5% | 7.09% | #129 |
| 2024 | 188 | 77 | 17.6% | 6.63% | #108 |
| 2025 | 290 | 126 | 7.6% | 5.99% | #90 |
What PHH Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 37 | 20 | 5 | 13.5% |
| Washington County | 36 | 15 | 2 | 5.6% |
| Multnomah County | 35 | 14 | 2 | 5.7% |
| Clackamas County | 33 | 9 | 4 | 12.1% |
| Lane County | 26 | 9 | 1 | 3.8% |
| Marion County | 25 | 11 | 2 | 8.0% |
| Yamhill County | 11 | 5 | 0 | 0.0% |
| Lincoln County | 9 | 2 | 3 | 33.3% |
| Jackson County | 7 | 4 | 0 | 0.0% |
| Douglas County | 7 | 1 | 1 | 14.3% |
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: 290 applications in 2025, of which 126 were originated and 22 denied.
7.6% of all applications, or 14.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans PHH Mortgage originated in Oregon in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are PHH 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