Provident Funding Associates in Oregon vs the state
3.3%Denial rate-12.04 pts vs state
4.3%Decision denial rate-14.88 pts vs state
71.3%Origination rate+10.67 pts vs state
6.38%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.40 pts vs state
$162kMedian applicant income
524Loans originated
24Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 611 | 418 | 6.2% | 6.38% | #54 |
| 2024 | 592 | 386 | 4.9% | 6.50% | #56 |
| 2025 | 735 | 524 | 3.3% | 6.38% | #57 |
What Provident Funding Associates lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 199 | 151 | 2 | 1.0% |
| Multnomah County | 187 | 140 | 6 | 3.2% |
| Clackamas County | 125 | 93 | 1 | 0.8% |
| Deschutes County | 68 | 47 | 1 | 1.5% |
| Marion County | 26 | 17 | 3 | 11.5% |
| Lane County | 20 | 9 | 1 | 5.0% |
| Benton County | 19 | 15 | 0 | 0.0% |
| Polk County | 12 | 10 | 0 | 0.0% |
| Linn County | 11 | 6 | 2 | 18.2% |
| Josephine County | 9 | 4 | 1 | 11.1% |
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: 735 applications in 2025, of which 524 were originated and 24 denied.
3.3% of all applications, or 4.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Provident Funding Associates originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Provident Funding Associates'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