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Columbia County, Oregon · 2025

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

188 lenders acted on 2,123 mortgage applications for properties in Columbia County in 2025. 15.5% were denied (Oregon: 15.3%). Median rate on closed loans 6.75%; median loan $265,000; median property value $475,000.

2.1kApplications
15.5%Denial ratestate 15.3%
6.75%Median ratestate 6.75%
$265,000Median loan
$475,000Median property value

Largest lenders in Columbia County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 207142 1.5%6.50%
2 Onpoint Community Credit Union B 148103 15.5%7.50%
3 Rocket Mortgage C 11285 13.4%6.88%
4 U.S. Bank D 9952 25.3%8.20%
5 United Shore Financial Services B 9274 6.5%6.00%
6 Nations Direct Mortgage B 7562 2.7%6.37%
7 Fibre C 6847 22.1%8.00%
8 Wauna Federal Credit Union C 6348 15.9%6.85%
9 InRoads Federal Credit Union – 4838 18.8%7.31%
10 Mortgage Research Center C 4627 13.0%6.13%
11 21st Mortgage F 429 52.4%9.90%
12 Newrez D 4019 7.5%6.25%
13 Spring Eq D 3811 42.1%10.33%
14 Coastal Community Bank C 369 2.8%11.49%
15 Fairway Independent Mortgage B 3326 0.0%6.63%
16 Pennymac Loan Services C 3220 9.4%8.44%
17 Freedom Mortgage B 2912 6.9%6.06%
18 First Technology Federal Credit Union B 2716 29.6%7.50%
19 Broker Solutions D 2710 11.1%6.75%
20 Loandepot.Com D 2613 23.1%6.99%
21 AmeriSave Mortgage D 248 62.5%8.44%
22 Umpqua Bank C 2211 31.8%7.75%
23 Lakeview Loan Servicing C 203 35.0%8.38%
24 CMG Mortgage A 1916 5.3%6.69%
25 Navy Federal Credit Union D 199 26.3%8.20%

Best approval odds in Columbia County

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

#LenderDecidedDecision denial rate
1Guild Mortgage1611.9%
2Nations Direct Mortgage643.1%
3United Shore Financial Services827.3%
4Rocket Mortgage10214.7%
5Wauna Federal Credit Union6116.4%
6Onpoint Community Credit Union12818.0%
7Fibre6722.4%
8U.S. Bank7931.7%

What Columbia County borrowers applied for

By loan purpose

Home purchase 821 39% · 8.8% denied
Refinance 314 15% · 18.5% denied
Cash-out refinance 465 22% · 14.8% denied
Home improvement 232 11% · 21.1% denied
Other / HELOC 291 14% · 27.5% denied

By loan type

Conventional 1,557 73% · 17.3% denied
FHA 319 15% · 11.9% denied
VA 231 11% · 8.2% denied
USDA / RHS 16 1% · 6.3% denied

Why applications were denied

Debt-to-income ratio 102 31%
Credit history 70 21%
Collateral 68 21%
Incomplete application 36 11%
Other 26 8%
Unverifiable information 16 5%
Insufficient cash 6 2%
Employment history 4 1%

Columbia County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,64997019.7%7.00%$245,000
20241,7771,05518.0%6.88%$255,000
20252,1231,30115.5%6.75%$265,000

Frequently asked questions

15.5% of applications in Columbia County were denied in 2025, against 15.3% statewide in Oregon.

Guild Mortgage, with 207 applications in 2025 and a denial rate of 1.5%.

The median mortgage application in Columbia County in 2025 was for $265,000; the median property value on originated loans was $475,000.