Twinstar in Oregon vs the state
28.0%Denial rate+12.64 pts vs state
33.6%Decision denial rate+14.42 pts vs state
53.9%Origination rate-6.71 pts vs state
7.50%Median rate+0.75 pts vs state
0.27Rate spread (pts)-0.01 pts vs state
$99kMedian applicant income
517Loans originated
268Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,289 | 807 | 25.8% | 6.49% | #22 |
| 2024 | 998 | 549 | 28.4% | 9.00% | #37 |
| 2025 | 959 | 517 | 28.0% | 7.50% | #45 |
What Twinstar lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Twinstar applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 322 | 187 | 77 | 23.9% |
| Douglas County | 177 | 94 | 50 | 28.2% |
| Jackson County | 98 | 41 | 38 | 38.8% |
| Coos County | 79 | 41 | 24 | 30.4% |
| Linn County | 52 | 31 | 12 | 23.1% |
| Deschutes County | 46 | 29 | 10 | 21.7% |
| Josephine County | 32 | 12 | 12 | 37.5% |
| Clackamas County | 29 | 17 | 8 | 27.6% |
| Marion County | 25 | 11 | 9 | 36.0% |
| Multnomah County | 24 | 9 | 8 | 33.3% |
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: 959 applications in 2025, of which 517 were originated and 268 denied.
28.0% of all applications, or 33.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Twinstar originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Twinstar'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