South River Mortgage in Oregon vs the state
4.1%Denial rate-11.26 pts vs state
8.6%Decision denial rate-10.59 pts vs state
43.2%Origination rate-17.38 pts vs state
6.81%Median rate+0.06 pts vs state
—Rate spread (pts)
$25kMedian applicant income
32Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 18 | 0.0% | 6.65% | #292 |
| 2025 | 74 | 32 | 4.1% | 6.81% | #187 |
What South River Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 12 | 3 | 3 | 25.0% |
| Multnomah County | 11 | 5 | 0 | 0.0% |
| Marion County | 8 | 3 | 0 | 0.0% |
| Clackamas County | 6 | 3 | 0 | 0.0% |
| Deschutes County | 5 | 2 | 0 | 0.0% |
| Crook County | 4 | 0 | 0 | 0.0% |
| Umatilla County | 4 | 4 | 0 | 0.0% |
| Yamhill County | 3 | 1 | 0 | 0.0% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Klamath County | 2 | 0 | 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: 74 applications in 2025, of which 32 were originated and 3 denied.
4.1% of all applications, or 8.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans South River Mortgage originated in Oregon in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are South River 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