Sierra Pacific Mortgage Company in Oregon vs the state
3.4%Denial rate-11.94 pts vs state
4.2%Decision denial rate-14.95 pts vs state
75.7%Origination rate+15.10 pts vs state
6.50%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.16 pts vs state
$110kMedian applicant income
449Loans originated
20Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 502 | 360 | 15.9% | 6.63% | #59 |
| 2024 | 551 | 408 | 10.7% | 6.50% | #58 |
| 2025 | 593 | 449 | 3.4% | 6.50% | #61 |
What Sierra Pacific Mortgage Company lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 121 | 92 | 0 | 0.0% |
| Klamath County | 81 | 58 | 2 | 2.5% |
| Lane County | 55 | 44 | 1 | 1.8% |
| Washington County | 48 | 36 | 1 | 2.1% |
| Deschutes County | 42 | 30 | 3 | 7.1% |
| Clackamas County | 40 | 27 | 3 | 7.5% |
| Marion County | 35 | 27 | 1 | 2.9% |
| Jackson County | 28 | 20 | 3 | 10.7% |
| Linn County | 24 | 21 | 0 | 0.0% |
| Lincoln County | 16 | 11 | 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: 593 applications in 2025, of which 449 were originated and 20 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Sierra Pacific Mortgage Company originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Sierra Pacific Mortgage Company'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