Royal United Mortgage in Oregon vs the state
18.5%Denial rate+3.21 pts vs state
20.0%Decision denial rate+0.84 pts vs state
70.4%Origination rate+9.75 pts vs state
6.38%Median rate-0.38 pts vs state
0.47Rate spread (pts)+0.19 pts vs state
$45kMedian applicant income
19Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 26 | 12.5% | 6.94% | #224 |
| 2024 | 37 | 23 | 24.3% | 6.50% | #238 |
| 2025 | 27 | 19 | 18.5% | 6.38% | #277 |
What Royal United Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 4 | 3 | 0 | 0.0% |
| Lane County | 4 | 2 | 2 | 50.0% |
| Multnomah County | 4 | 3 | 1 | 25.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Coos County | 2 | 0 | 2 | 100.0% |
| Baker County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Malheur County | 1 | 1 | 0 | 0.0% |
| Klamath County | 1 | 1 | 0 | 0.0% |
| Lincoln 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: 27 applications in 2025, of which 19 were originated and 5 denied.
18.5% of all applications, or 20.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Royal United Mortgage originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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