Plaza Home Mortgage in Oregon vs the state
20.9%Denial rate+5.63 pts vs state
22.2%Decision denial rate+3.00 pts vs state
72.5%Origination rate+11.89 pts vs state
6.50%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.06 pts vs state
$106kMedian applicant income
277Loans originated
80Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 364 | 268 | 7.4% | 6.50% | #75 |
| 2024 | 538 | 376 | 15.4% | 6.63% | #62 |
| 2025 | 382 | 277 | 20.9% | 6.50% | #76 |
What Plaza Home Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 75 | 56 | 14 | 18.7% |
| Washington County | 53 | 38 | 9 | 17.0% |
| Clackamas County | 42 | 30 | 11 | 26.2% |
| Marion County | 41 | 32 | 8 | 19.5% |
| Polk County | 37 | 27 | 8 | 21.6% |
| Douglas County | 20 | 15 | 4 | 20.0% |
| Lane County | 18 | 11 | 5 | 27.8% |
| Linn County | 17 | 13 | 3 | 17.6% |
| Deschutes County | 14 | 10 | 4 | 28.6% |
| Lincoln County | 9 | 6 | 2 | 22.2% |
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% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 382 applications in 2025, of which 277 were originated and 80 denied.
20.9% of all applications, or 22.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Plaza Home Mortgage originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Plaza Home 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