Prosperity Home Mortgage in Oregon vs the state
11.3%Denial rate-4.04 pts vs state
16.7%Decision denial rate-2.49 pts vs state
55.9%Origination rate-4.74 pts vs state
6.25%Median rate-0.50 pts vs state
0.08Rate spread (pts)-0.20 pts vs state
$104kMedian applicant income
114Loans originated
23Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 76 | 23.5% | 6.75% | #124 |
| 2024 | 164 | 94 | 13.4% | 6.63% | #120 |
| 2025 | 204 | 114 | 11.3% | 6.25% | #116 |
What Prosperity Home Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 31 | 17 | 3 | 9.7% |
| Clackamas County | 27 | 17 | 1 | 3.7% |
| Washington County | 20 | 11 | 3 | 15.0% |
| Marion County | 17 | 11 | 1 | 5.9% |
| Yamhill County | 14 | 8 | 1 | 7.1% |
| Deschutes County | 14 | 5 | 3 | 21.4% |
| Polk County | 13 | 8 | 1 | 7.7% |
| Douglas County | 11 | 7 | 1 | 9.1% |
| Linn County | 9 | 5 | 1 | 11.1% |
| Jackson County | 8 | 3 | 3 | 37.5% |
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: 204 applications in 2025, of which 114 were originated and 23 denied.
11.3% of all applications, or 16.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Prosperity Home Mortgage originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Prosperity 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