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Clackamas County, Oregon · 2025

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

390 lenders acted on 15,934 mortgage applications for properties in Clackamas County in 2025. 15.2% were denied (Oregon: 15.3%). Median rate on closed loans 6.88%; median loan $315,000; median property value $635,000.

16kApplications
15.2%Denial ratestate 15.3%
6.88%Median ratestate 6.75%
$315,000Median loan
$635,000Median property value

Largest lenders in Clackamas County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Onpoint Community Credit Union B 2,1651,519 14.9%7.50%
2 United Shore Financial Services B 786634 7.4%6.38%
3 Rocket Mortgage C 607463 14.7%6.88%
4 Guild Mortgage A 570397 1.9%6.63%
5 U.S. Bank D 561303 31.0%8.20%
6 Bank of America F 498224 27.9%6.24%
7 Embold Federal Credit Union C 341228 17.3%7.74%
8 CMG Mortgage A 301222 2.0%6.50%
9 Pennymac Loan Services C 287169 8.7%6.75%
10 Spring Eq D 27993 47.3%9.38%
11 Newrez D 277123 12.6%6.75%
12 Nations Direct Mortgage B 273233 1.5%6.49%
13 Fairway Independent Mortgage B 269184 7.1%6.50%
14 First Technology Federal Credit Union B 247177 10.5%7.50%
15 Rivermark Community D 246118 14.6%7.74%
16 Umpqua Bank C 233139 22.3%8.00%
17 Mortgage Express A 209146 3.8%6.49%
18 Triad Financial Services D 20665 33.5%8.73%
19 Unitus Community Credit Union D 204107 33.3%7.25%
20 21st Mortgage F 20132 45.3%10.32%
21 Guaranteed Rate B 192108 4.7%6.63%
22 JPMorgan Chase Bank B 188118 10.1%6.50%
23 Crosscountry Mortgage B 187136 4.8%6.88%
24 Coastal Community Bank C 16838 2.4%9.49%
25 Movement Mortgage A 165109 6.7%6.75%

Best approval odds in Clackamas County

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

#LenderDecidedDecision denial rate
1Directors Mortgage580.0%
2Paramount Residential Mortgage Group700.0%
3Provident Funding Associates971.0%
4Nations Direct Mortgage2371.7%
5CMG Mortgage2502.4%
6Guild Mortgage4382.5%
7American Pacific Mortgage1273.2%
8Coastal Community Bank1163.5%
9Clm Mortgage1143.5%
10Mortgage Express1764.6%

What Clackamas County borrowers applied for

By loan purpose

Home purchase 6,225 39% · 7.9% denied
Refinance 2,680 17% · 12.8% denied
Cash-out refinance 2,390 15% · 18.1% denied
Home improvement 2,174 14% · 22.8% denied
Other / HELOC 2,465 15% · 27.0% denied

By loan type

Conventional 13,766 86% · 15.8% denied
FHA 1,301 8% · 12.6% denied
VA 855 5% · 10.4% denied
USDA / RHS 12 0% · 8.3% denied

Why applications were denied

Debt-to-income ratio 910 38%
Credit history 413 17%
Collateral 361 15%
Incomplete application 317 13%
Other 255 11%
Unverifiable information 100 4%
Insufficient cash 47 2%
Employment history 20 1%

Clackamas County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,0547,73018.7%7.38%$255,000
202414,1248,37017.9%7.13%$295,000
202515,9349,75115.2%6.88%$315,000

Frequently asked questions

15.2% of applications in Clackamas County were denied in 2025, against 15.3% statewide in Oregon.

Onpoint Community Credit Union, with 2,165 applications in 2025 and a denial rate of 14.9%.

The median mortgage application in Clackamas County in 2025 was for $315,000; the median property value on originated loans was $635,000.