Largest lenders in Baker County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Banner Bank | D | 65 | 39 | 23.1% | 6.68% |
| 2 | Umpqua Bank | C | 47 | 26 | 17.0% | 7.25% |
| 3 | Rocket Mortgage | C | 46 | 32 | 26.1% | 6.69% |
| 4 | Alameda Mortgage | B | 45 | 31 | 0.0% | 6.38% |
| 5 | U.S. Bank | D | 39 | 17 | 35.9% | 7.38% |
| 6 | United Shore Financial Services | B | 31 | 22 | 16.1% | 5.99% |
| 7 | Synergy One Lending | C | 24 | 15 | 0.0% | 6.13% |
| 8 | Newrez | D | 21 | 12 | 14.3% | 6.38% |
| 9 | Mortgage Research Center | C | 19 | 6 | 21.1% | 6.19% |
| 10 | Pennymac Loan Services | C | 16 | 10 | 0.0% | 5.94% |
| 11 | AmeriSave Mortgage | D | 15 | 4 | 66.7% | 7.50% |
| 12 | Broker Solutions | D | 15 | 5 | 0.0% | 6.50% |
| 13 | Loandepot.Com | D | 15 | 7 | 33.3% | 6.63% |
| 14 | Kiavi Funding | D | 13 | 1 | 0.0% | 9.45% |
| 15 | Spokane Teachers | D | 10 | 6 | 10.0% | 7.62% |
| 16 | Mutual of Omaha Mortgage | C | 9 | 4 | 11.1% | 6.13% |
| 17 | Freedom Mortgage | B | 9 | 3 | 11.1% | 6.38% |
| 18 | AgWest Farm Credit, FLCA | D | 9 | 2 | 44.4% | 6.60% |
| 19 | Figure Lending | C | 9 | 3 | 33.3% | 8.00% |
| 20 | Crosscountry Mortgage | B | 8 | 4 | 0.0% | 6.24% |
| 21 | New Day Financial | F | 7 | 2 | 0.0% | 6.49% |
| 22 | Fairway Independent Mortgage | B | 7 | 5 | 14.3% | 6.99% |
| 23 | Rogue Credit Union | C | 7 | 5 | 14.3% | 6.99% |
| 24 | Onpoint Community Credit Union | B | 7 | 4 | 28.6% | 6.94% |
| 25 | Spring Eq | D | 6 | 4 | 33.3% | 9.20% |
Best approval odds in Baker County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Banner Bank | 56 | 26.8% |
What Baker County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Baker County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 439 | 235 | 23.0% | 6.99% | $175,000 |
| 2024 | 554 | 287 | 21.3% | 6.88% | $185,000 |
| 2025 | 641 | 344 | 17.2% | 6.50% | $205,000 |
Frequently asked questions
17.2% of applications in Baker County were denied in 2025, against 15.3% statewide in Oregon.
Banner Bank, with 65 applications in 2025 and a denial rate of 23.1%.
The median mortgage application in Baker County in 2025 was for $205,000; the median property value on originated loans was $325,000.