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Clatsop County, Oregon · 2025

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

211 lenders acted on 1,729 mortgage applications for properties in Clatsop County in 2025. 17.6% were denied (Oregon: 15.3%). Median rate on closed loans 6.85%; median loan $305,000; median property value $535,000.

1.7kApplications
17.6%Denial ratestate 15.3%
6.85%Median ratestate 6.75%
$305,000Median loan
$535,000Median property value

Largest lenders in Clatsop County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fibre C 12979 32.6%7.63%
2 U.S. Bank D 11855 31.4%7.45%
3 Golden Empire Mortgage B 8768 3.5%6.63%
4 Rocket Mortgage C 8051 18.8%6.50%
5 United Shore Financial Services B 7454 5.4%6.50%
6 Wauna Federal Credit Union C 6141 18.0%6.38%
7 Fairway Independent Mortgage B 5544 5.5%6.49%
8 Umpqua Bank C 5432 27.8%8.25%
9 Union Home Mortgage B 3930 5.1%6.88%
10 Spring Eq D 3510 42.9%9.11%
11 Northpointe Bank C 3323 0.0%6.88%
12 Pennymac Loan Services C 3016 13.3%7.12%
13 Mortgage Research Center C 3010 23.3%6.25%
14 Onpoint Community Credit Union B 2920 17.2%7.50%
15 Navy Federal Credit Union D 2810 21.4%6.19%
16 Guild Mortgage A 2718 11.1%6.56%
17 Alameda Mortgage B 2719 7.4%6.25%
18 Churchill Mortgage B 2218 0.0%6.81%
19 Nations Direct Mortgage B 2014 0.0%6.55%
20 Newrez D 194 31.6%6.88%
21 Loandepot.Com D 186 38.9%6.38%
22 Everett Financial C 1710 5.9%6.50%
23 Crosscountry Mortgage B 178 5.9%6.50%
24 First Technology Federal Credit Union B 176 23.5%7.38%
25 Nationstar Mortgage C 175 23.5%7.63%

Best approval odds in Clatsop County

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

#LenderDecidedDecision denial rate
1Golden Empire Mortgage724.2%
2United Shore Financial Services596.8%
3Wauna Federal Credit Union5819.0%
4Rocket Mortgage6921.7%
5Fibre12832.8%
6U.S. Bank9539.0%

What Clatsop County borrowers applied for

By loan purpose

Home purchase 671 39% · 9.5% denied
Refinance 287 17% · 15.0% denied
Cash-out refinance 316 18% · 22.5% denied
Home improvement 216 12% · 29.6% denied
Other / HELOC 239 14% · 26.4% denied

By loan type

Conventional 1,403 81% · 18.3% denied
FHA 165 10% · 11.5% denied
VA 160 9% · 17.5% denied
USDA / RHS 1 0% · 100.0% denied

Why applications were denied

Debt-to-income ratio 106 35%
Collateral 59 19%
Credit history 45 15%
Incomplete application 40 13%
Other 24 8%
Unverifiable information 13 4%
Insufficient cash 10 3%
Employment history 7 2%
Mortgage insurance denied 1 0%

Clatsop County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,43784918.5%6.99%$275,000
20241,55287020.3%6.99%$285,000
20251,7291,00417.6%6.85%$305,000

Frequently asked questions

17.6% of applications in Clatsop County were denied in 2025, against 15.3% statewide in Oregon.

Fibre, with 129 applications in 2025 and a denial rate of 32.6%.

The median mortgage application in Clatsop County in 2025 was for $305,000; the median property value on originated loans was $535,000.