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Deschutes County, Oregon · 2025

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

359 lenders acted on 10,208 mortgage applications for properties in Deschutes County in 2025. 13.7% were denied (Oregon: 15.3%). Median rate on closed loans 6.75%; median loan $355,000; median property value $655,000.

10kApplications
13.7%Denial ratestate 15.3%
6.75%Median ratestate 6.75%
$355,000Median loan
$655,000Median property value

Largest lenders in Deschutes County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Onpoint Community Credit Union B 673466 18.6%7.50%
2 Selco Community C 496298 28.8%7.25%
3 Rocket Mortgage C 445349 12.8%6.63%
4 United Shore Financial Services B 409312 11.5%6.25%
5 Mid Oregon C 405369 3.7%7.99%
6 Guild Mortgage A 377239 3.5%6.63%
7 U.S. Bank D 375207 27.2%7.50%
8 The Loan Store B 270232 3.3%6.49%
9 CMG Mortgage A 265202 1.9%6.50%
10 Loandepot.Com D 254192 7.9%6.63%
11 Umpqua Bank C 244187 15.6%6.88%
12 Guaranteed Rate B 220152 3.2%6.63%
13 Bank of America F 211117 20.9%5.99%
14 First Interstate Bank D 206122 23.3%8.25%
15 Kind Lending C 204150 20.6%6.63%
16 Newrez D 19790 10.2%6.75%
17 Crosscountry Mortgage B 194144 4.6%6.60%
18 Pennymac Loan Services C 183124 6.0%6.39%
19 First Community B 14099 8.6%5.50%
20 Dhi Mortgage Company B 12679 12.7%4.81%
21 Movement Mortgage A 12183 8.3%6.75%
22 Fairway Independent Mortgage B 10382 1.0%6.50%
23 Broker Solutions D 10358 3.9%6.81%
24 JPMorgan Chase Bank B 10262 12.8%6.50%
25 Spring Eq D 9820 61.2%9.09%

Best approval odds in Deschutes County

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

#LenderDecidedDecision denial rate
1Nations Direct Mortgage770.0%
2Fairway Independent Mortgage831.2%
3Coastal Community Bank691.5%
4CMG Mortgage2272.2%
5The Loan Store2573.5%
6Sunflower Bank523.9%
7Mid Oregon3853.9%
8Guaranteed Rate1614.4%
9Guild Mortgage2744.7%
10Crosscountry Mortgage1545.8%

What Deschutes County borrowers applied for

By loan purpose

Home purchase 4,447 44% · 6.9% denied
Refinance 1,555 15% · 15.1% denied
Cash-out refinance 1,470 14% · 16.9% denied
Home improvement 1,310 13% · 22.1% denied
Other / HELOC 1,426 14% · 22.1% denied

By loan type

Conventional 8,668 85% · 14.0% denied
FHA 909 9% · 13.6% denied
VA 624 6% · 9.3% denied
USDA / RHS 7 0% · 14.3% denied

Why applications were denied

Debt-to-income ratio 493 36%
Collateral 223 16%
Incomplete application 190 14%
Other 188 14%
Credit history 175 13%
Unverifiable information 68 5%
Insufficient cash 34 2%
Employment history 10 1%
Mortgage insurance denied 2 0%

Deschutes County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,3975,31415.8%7.25%$285,000
20249,1165,90714.3%7.00%$335,000
202510,2086,68413.7%6.75%$355,000

Frequently asked questions

13.7% of applications in Deschutes County were denied in 2025, against 15.3% statewide in Oregon.

Onpoint Community Credit Union, with 673 applications in 2025 and a denial rate of 18.6%.

The median mortgage application in Deschutes County in 2025 was for $355,000; the median property value on originated loans was $655,000.