The Loan Store in Oregon vs the state
7.6%Denial rate-7.70 pts vs state
8.4%Decision denial rate-10.77 pts vs state
75.6%Origination rate+14.98 pts vs state
6.63%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.09 pts vs state
$143kMedian applicant income
815Loans originated
82Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 132 | 10.0% | 6.93% | #109 |
| 2024 | 908 | 645 | 7.8% | 6.63% | #44 |
| 2025 | 1,078 | 815 | 7.6% | 6.63% | #40 |
What The Loan Store lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 270 | 232 | 9 | 3.3% |
| Multnomah County | 170 | 116 | 23 | 13.5% |
| Washington County | 121 | 99 | 4 | 3.3% |
| Clackamas County | 99 | 71 | 12 | 12.1% |
| Lane County | 75 | 61 | 3 | 4.0% |
| Jackson County | 63 | 41 | 8 | 12.7% |
| Marion County | 58 | 39 | 4 | 6.9% |
| Yamhill County | 31 | 23 | 1 | 3.2% |
| Linn County | 19 | 9 | 5 | 26.3% |
| Josephine County | 18 | 7 | 2 | 11.1% |
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: 1,078 applications in 2025, of which 815 were originated and 82 denied.
7.6% of all applications, or 8.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans The Loan Store originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Loan Store'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