Traditional Mortgage Acceptance in Oregon vs the state
3.9%Denial rate-11.39 pts vs state
4.2%Decision denial rate-14.99 pts vs state
90.2%Origination rate+29.58 pts vs state
6.13%Median rate-0.63 pts vs state
—Rate spread (pts)
$36kMedian applicant income
46Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 17 | 9.1% | 7.49% | #274 |
| 2024 | 60 | 49 | 11.7% | 6.88% | #191 |
| 2025 | 51 | 46 | 3.9% | 6.13% | #222 |
What Traditional Mortgage Acceptance lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 8 | 7 | 0 | 0.0% |
| Multnomah County | 7 | 6 | 0 | 0.0% |
| Clackamas County | 5 | 4 | 1 | 20.0% |
| Lane County | 5 | 5 | 0 | 0.0% |
| Linn County | 4 | 4 | 0 | 0.0% |
| Deschutes County | 4 | 4 | 0 | 0.0% |
| Jackson County | 3 | 3 | 0 | 0.0% |
| Coos County | 2 | 2 | 0 | 0.0% |
| Curry County | 2 | 2 | 0 | 0.0% |
| Yamhill County | 2 | 1 | 1 | 50.0% |
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: 51 applications in 2025, of which 46 were originated and 2 denied.
3.9% of all applications, or 4.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Traditional Mortgage Acceptance originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Traditional Mortgage Acceptance'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