Zillow Home Loans in Oregon vs the state
3.0%Denial rate-12.33 pts vs state
3.8%Decision denial rate-15.34 pts vs state
73.5%Origination rate+12.89 pts vs state
6.38%Median rate-0.38 pts vs state
0.17Rate spread (pts)-0.11 pts vs state
$120kMedian applicant income
247Loans originated
10Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 55 | 7.7% | 6.75% | #164 |
| 2024 | 327 | 228 | 5.8% | 6.38% | #81 |
| 2025 | 336 | 247 | 3.0% | 6.38% | #82 |
What Zillow Home Loans lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 148 | 110 | 2 | 1.4% |
| Washington County | 62 | 46 | 3 | 4.8% |
| Clackamas County | 44 | 33 | 1 | 2.3% |
| Lane County | 20 | 15 | 1 | 5.0% |
| Marion County | 15 | 12 | 0 | 0.0% |
| Jackson County | 7 | 4 | 0 | 0.0% |
| Deschutes County | 6 | 5 | 0 | 0.0% |
| Linn County | 5 | 3 | 0 | 0.0% |
| Klamath County | 5 | 3 | 0 | 0.0% |
| Douglas County | 4 | 4 | 0 | 0.0% |
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: 336 applications in 2025, of which 247 were originated and 10 denied.
3.0% of all applications, or 3.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Zillow Home Loans originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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