United Shore Financial Services in Oregon vs the state
10.4%Denial rate-4.87 pts vs state
12.0%Decision denial rate-7.13 pts vs state
74.4%Origination rate+13.77 pts vs state
6.25%Median rate-0.50 pts vs state
0.06Rate spread (pts)-0.22 pts vs state
$117kMedian applicant income
4,910Loans originated
689Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,615 | 3,651 | 8.7% | 6.50% | #3 |
| 2024 | 5,474 | 4,231 | 9.7% | 6.38% | #2 |
| 2025 | 6,600 | 4,910 | 10.4% | 6.25% | #3 |
What United Shore Financial Services lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 1,176 | 898 | 107 | 9.1% |
| Washington County | 878 | 673 | 83 | 9.5% |
| Clackamas County | 786 | 634 | 58 | 7.4% |
| Lane County | 623 | 482 | 54 | 8.7% |
| Marion County | 448 | 316 | 59 | 13.2% |
| Deschutes County | 409 | 312 | 47 | 11.5% |
| Jackson County | 366 | 272 | 34 | 9.3% |
| Douglas County | 213 | 150 | 28 | 13.1% |
| Linn County | 202 | 154 | 24 | 11.9% |
| Yamhill County | 162 | 115 | 26 | 16.0% |
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% |
| 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% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 6,600 applications in 2025, of which 4,910 were originated and 689 denied.
10.4% of all applications, or 12.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans United Shore Financial Services originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial Services'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