Resicentral in Oregon vs the state
2.0%Denial rate-13.31 pts vs state
2.4%Decision denial rate-16.72 pts vs state
77.0%Origination rate+16.38 pts vs state
6.49%Median rate-0.26 pts vs state
0.07Rate spread (pts)-0.21 pts vs state
$124kMedian applicant income
77Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 31 | 11.1% | 6.99% | #209 |
| 2024 | 140 | 106 | 0.7% | 6.56% | #134 |
| 2025 | 100 | 77 | 2.0% | 6.49% | #169 |
What Resicentral lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 17 | 15 | 0 | 0.0% |
| Washington County | 16 | 12 | 0 | 0.0% |
| Polk County | 10 | 4 | 0 | 0.0% |
| Benton County | 10 | 10 | 0 | 0.0% |
| Marion County | 10 | 6 | 0 | 0.0% |
| Linn County | 8 | 7 | 1 | 12.5% |
| Lane County | 4 | 4 | 0 | 0.0% |
| Josephine County | 3 | 3 | 0 | 0.0% |
| Yamhill County | 3 | 3 | 0 | 0.0% |
| Deschutes County | 3 | 2 | 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: 100 applications in 2025, of which 77 were originated and 2 denied.
2.0% of all applications, or 2.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Resicentral originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Resicentral'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