Spring Eq in Oregon vs the state
49.9%Denial rate+34.61 pts vs state
61.1%Decision denial rate+41.91 pts vs state
30.0%Origination rate-30.61 pts vs state
9.05%Median rate+2.30 pts vs state
3.03Rate spread (pts)+2.75 pts vs state
$113kMedian applicant income
544Loans originated
905Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,469 | 376 | 62.4% | 11.26% | #17 |
| 2024 | 1,731 | 552 | 52.1% | 9.98% | #18 |
| 2025 | 1,813 | 544 | 49.9% | 9.05% | #19 |
What Spring Eq lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 279 | 93 | 132 | 47.3% |
| Multnomah County | 231 | 58 | 123 | 53.2% |
| Washington County | 225 | 75 | 115 | 51.1% |
| Marion County | 166 | 50 | 70 | 42.2% |
| Lane County | 145 | 44 | 75 | 51.7% |
| Jackson County | 103 | 30 | 56 | 54.4% |
| Deschutes County | 98 | 20 | 60 | 61.2% |
| Linn County | 82 | 29 | 32 | 39.0% |
| Klamath County | 60 | 13 | 37 | 61.7% |
| Yamhill County | 49 | 19 | 21 | 42.9% |
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: 1,813 applications in 2025, of which 544 were originated and 905 denied.
49.9% of all applications, or 61.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Spring Eq originated in Oregon in 2025 was 9.05%, against a statewide median of 6.75%.
About this data. Figures are Spring Eq'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