SmartFi Home Loans in Oregon vs the state
31.4%Denial rate+16.12 pts vs state
33.3%Decision denial rate+14.17 pts vs state
62.9%Origination rate+2.24 pts vs state
7.76%Median rate+1.01 pts vs state
—Rate spread (pts)
$26kMedian applicant income
22Loans originated
11Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 9 | 7.7% | 9.45% | #324 |
| 2025 | 35 | 22 | 31.4% | 7.76% | #258 |
What SmartFi Home Loans lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 7 | 5 | 2 | 28.6% |
| Clackamas County | 5 | 3 | 2 | 40.0% |
| Lane County | 4 | 4 | 0 | 0.0% |
| Linn County | 3 | 1 | 1 | 33.3% |
| Marion County | 3 | 3 | 0 | 0.0% |
| Multnomah County | 3 | 2 | 1 | 33.3% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Josephine County | 2 | 2 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Baker County | 1 | 0 | 1 | 100.0% |
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: 35 applications in 2025, of which 22 were originated and 11 denied.
31.4% of all applications, or 33.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans SmartFi Home Loans originated in Oregon in 2025 was 7.76%, against a statewide median of 6.75%.
About this data. Figures are SmartFi Home Loans'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