Right Start Mortgage in Oregon vs the state
3.2%Denial rate-12.08 pts vs state
4.6%Decision denial rate-14.61 pts vs state
67.7%Origination rate+7.12 pts vs state
6.63%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.07 pts vs state
$101kMedian applicant income
21Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 8 | 25.0% | 6.88% | #329 |
| 2025 | 31 | 21 | 3.2% | 6.63% | #266 |
What Right Start Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 8 | 6 | 0 | 0.0% |
| Multnomah County | 4 | 3 | 0 | 0.0% |
| Malheur County | 4 | 4 | 0 | 0.0% |
| Umatilla County | 3 | 1 | 0 | 0.0% |
| Douglas County | 3 | 3 | 0 | 0.0% |
| Lane County | 3 | 0 | 0 | 0.0% |
| Coos County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 0 | 1 | 50.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Clatsop County | 1 | 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: 31 applications in 2025, of which 21 were originated and 1 denied.
3.2% of all applications, or 4.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Right Start Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Right Start 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