Southwest Funding in Oregon vs the state
16.1%Denial rate+0.82 pts vs state
17.9%Decision denial rate-1.30 pts vs state
74.2%Origination rate+13.57 pts vs state
6.63%Median rate-0.13 pts vs state
0.76Rate spread (pts)+0.48 pts vs state
$124kMedian applicant income
23Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 18 | 0.0% | 6.69% | #286 |
| 2024 | 15 | 14 | 0.0% | 6.75% | #309 |
| 2025 | 31 | 23 | 16.1% | 6.63% | #267 |
What Southwest Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Southwest Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yamhill County | 14 | 9 | 4 | 28.6% |
| Multnomah County | 7 | 5 | 1 | 14.3% |
| Wasco County | 4 | 4 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 2 | 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: 31 applications in 2025, of which 23 were originated and 5 denied.
16.1% of all applications, or 17.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Southwest Funding originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Southwest Funding'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