Union Home Mortgage in Oregon vs the state
4.2%Denial rate-11.14 pts vs state
5.2%Decision denial rate-13.96 pts vs state
73.4%Origination rate+12.75 pts vs state
6.50%Median rate-0.25 pts vs state
0.39Rate spread (pts)+0.11 pts vs state
$125kMedian applicant income
722Loans originated
41Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 162 | 1.9% | 7.25% | #108 |
| 2024 | 551 | 410 | 2.5% | 6.88% | #59 |
| 2025 | 984 | 722 | 4.2% | 6.50% | #44 |
What Union Home Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 175 | 127 | 7 | 4.0% |
| Multnomah County | 158 | 123 | 4 | 2.5% |
| Marion County | 137 | 94 | 12 | 8.8% |
| Clackamas County | 101 | 73 | 4 | 4.0% |
| Linn County | 58 | 41 | 1 | 1.7% |
| Benton County | 46 | 30 | 0 | 0.0% |
| Clatsop County | 39 | 30 | 2 | 5.1% |
| Lane County | 37 | 23 | 0 | 0.0% |
| Yamhill County | 34 | 32 | 0 | 0.0% |
| Polk County | 26 | 23 | 1 | 3.8% |
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: 984 applications in 2025, of which 722 were originated and 41 denied.
4.2% of all applications, or 5.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Union Home Mortgage originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Union Home Mortgage'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