Primary Residential Mortgage in Oregon vs the state
9.8%Denial rate-5.47 pts vs state
13.5%Decision denial rate-5.68 pts vs state
63.1%Origination rate+2.49 pts vs state
6.63%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$103kMedian applicant income
77Loans originated
12Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 72 | 3.2% | 6.88% | #137 |
| 2024 | 108 | 65 | 7.4% | 6.63% | #152 |
| 2025 | 122 | 77 | 9.8% | 6.63% | #154 |
What Primary Residential Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 35 | 27 | 2 | 5.7% |
| Washington County | 22 | 14 | 1 | 4.5% |
| Clackamas County | 16 | 10 | 0 | 0.0% |
| Lane County | 12 | 7 | 2 | 16.7% |
| Columbia County | 8 | 4 | 1 | 12.5% |
| Douglas County | 7 | 3 | 2 | 28.6% |
| Coos County | 5 | 2 | 3 | 60.0% |
| Linn County | 4 | 2 | 0 | 0.0% |
| Deschutes County | 3 | 3 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
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: 122 applications in 2025, of which 77 were originated and 12 denied.
9.8% of all applications, or 13.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Primary Residential Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Primary Residential 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