Select Lending Services in Oregon vs the state
1.2%Denial rate-14.12 pts vs state
1.6%Decision denial rate-17.60 pts vs state
72.6%Origination rate+12.00 pts vs state
6.88%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$158kMedian applicant income
61Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 39 | 3.6% | 7.25% | #195 |
| 2024 | 66 | 53 | 0.0% | 7.13% | #182 |
| 2025 | 84 | 61 | 1.2% | 6.88% | #176 |
What Select Lending Services lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Select Lending Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 21 | 17 | 0 | 0.0% |
| Washington County | 19 | 15 | 0 | 0.0% |
| Clackamas County | 15 | 9 | 0 | 0.0% |
| Deschutes County | 10 | 6 | 0 | 0.0% |
| Yamhill County | 5 | 4 | 0 | 0.0% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Tillamook County | 1 | 0 | 0 | 0.0% |
| Linn 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: 84 applications in 2025, of which 61 were originated and 1 denied.
1.2% of all applications, or 1.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Select Lending Services originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Select Lending Services'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