Find a better mortgage lender

Benton County, Oregon · 2025

Mortgage lenders in Benton County, OR: denial rates and top lenders (2025)

194 lenders acted on 2,225 mortgage applications for properties in Benton County in 2025. 11.5% were denied (Oregon: 15.3%). Median rate on closed loans 6.88%; median loan $275,000; median property value $555,000.

2.2kApplications
11.5%Denial ratestate 15.3%
6.88%Median ratestate 6.75%
$275,000Median loan
$555,000Median property value

Largest lenders in Benton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Oregon State Credit Union C 336245 6.6%7.50%
2 Umpqua Bank C 11576 12.2%7.38%
3 Rocket Mortgage C 8776 5.8%6.50%
4 Mortgage Express A 7661 0.0%6.49%
5 Movement Mortgage A 7555 4.0%6.75%
6 United Shore Financial Services B 7349 15.1%6.37%
7 U.S. Bank D 6643 19.7%7.95%
8 Guild Mortgage A 6348 3.2%6.50%
9 Onpoint Community Credit Union B 5635 16.1%6.63%
10 Newrez D 5123 9.8%6.88%
11 First Technology Federal Credit Union B 4836 6.3%7.38%
12 Union Home Mortgage B 4630 0.0%6.56%
13 Oregon Community B 4233 7.1%7.38%
14 Directors Mortgage B 4132 2.4%6.99%
15 Bank of America F 3621 5.6%6.49%
16 Triad Financial Services D 367 50.0%8.88%
17 Pennymac Loan Services C 3320 9.1%6.56%
18 Crosscountry Mortgage B 2821 0.0%6.75%
19 Spring Eq D 256 60.0%8.81%
20 JPMorgan Chase Bank B 2316 0.0%6.50%
21 Loandepot.Com D 2312 17.4%7.69%
22 Navy Federal Credit Union D 227 18.2%7.00%
23 Synergy One Lending C 2218 4.6%6.88%
24 KeyBank C 2113 19.1%6.50%
25 Selco Community C 2112 23.8%7.25%

Best approval odds in Benton County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Mortgage Express650.0%
2Guild Mortgage553.6%
3Movement Mortgage674.5%
4Rocket Mortgage826.1%
5Oregon State Credit Union2877.7%
6Umpqua Bank9414.9%
7Onpoint Community Credit Union5117.7%
8United Shore Financial Services6118.0%
9U.S. Bank5623.2%

What Benton County borrowers applied for

By loan purpose

Home purchase 930 42% · 6.5% denied
Refinance 288 13% · 11.5% denied
Cash-out refinance 338 15% · 13.0% denied
Home improvement 337 15% · 14.2% denied
Other / HELOC 332 15% · 21.1% denied

By loan type

Conventional 1,970 89% · 11.4% denied
FHA 141 6% · 14.2% denied
VA 112 5% · 9.8% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 100 39%
Collateral 44 17%
Credit history 38 15%
Incomplete application 33 13%
Other 20 8%
Unverifiable information 12 5%
Insufficient cash 6 2%
Employment history 2 1%

Benton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,7931,11315.0%7.13%$265,000
20242,0021,29013.9%7.06%$275,000
20252,2251,43211.5%6.88%$275,000

Frequently asked questions

11.5% of applications in Benton County were denied in 2025, against 15.3% statewide in Oregon.

Oregon State Credit Union, with 336 applications in 2025 and a denial rate of 6.6%.

The median mortgage application in Benton County in 2025 was for $275,000; the median property value on originated loans was $555,000.