RCN Capital in Oregon vs the state
88.2%Denial rate+72.93 pts vs state
88.2%Decision denial rate+69.08 pts vs state
11.8%Origination rate-48.86 pts vs state
7.00%Median rate+0.25 pts vs state
—Rate spread (pts)
—Median applicant income
2Loans originated
15Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 3 | 15.0% | 8.34% | #280 |
| 2024 | 28 | 6 | 50.0% | 10.92% | #255 |
| 2025 | 17 | 2 | 88.2% | 7.00% | #307 |
What RCN Capital lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
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: 17 applications in 2025, of which 2 were originated and 15 denied.
88.2% of all applications, or 88.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans RCN Capital originated in Oregon in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are RCN Capital'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