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Douglas County, Oregon · 2025

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

231 lenders acted on 3,884 mortgage applications for properties in Douglas County in 2025. 19.1% were denied (Oregon: 15.3%). Median rate on closed loans 6.63%; median loan $225,000; median property value $355,000.

3.9kApplications
19.1%Denial ratestate 15.3%
6.63%Median ratestate 6.75%
$225,000Median loan
$355,000Median property value

Largest lenders in Douglas County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rogue Credit Union C 234146 9.8%7.49%
2 United Shore Financial Services B 213150 13.2%6.00%
3 Rocket Mortgage C 212145 20.3%6.63%
4 Umpqua Bank C 210121 24.3%7.50%
5 Twinstar D 17794 28.3%7.50%
6 GoPrime Mortgage B 163123 3.7%6.49%
7 First Community B 15098 16.7%5.50%
8 Newrez D 14772 10.9%6.25%
9 Mortgage Research Center C 10150 14.9%6.19%
10 Kind Lending C 8962 21.4%6.56%
11 Freedom Mortgage B 8732 12.6%6.19%
12 Banner Bank D 8645 32.6%6.74%
13 U.S. Bank D 8138 34.6%6.99%
14 Pennymac Loan Services C 7440 12.2%6.62%
15 Guild Mortgage A 6849 5.9%6.50%
16 AmeriSave Mortgage D 6711 76.1%9.50%
17 Loandepot.Com D 5733 15.8%6.63%
18 Oregon Community B 5536 29.1%7.50%
19 CMG Mortgage A 4832 6.3%6.63%
20 Broker Solutions D 4810 12.5%6.19%
21 Summit Funding C 4536 4.4%6.69%
22 Spring Eq D 4413 61.4%8.90%
23 Directors Mortgage B 4326 2.3%6.38%
24 American Pacific Mortgage C 4322 25.6%6.75%
25 New Day Financial F 429 16.7%6.49%

Best approval odds in Douglas County

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

#LenderDecidedDecision denial rate
1GoPrime Mortgage1304.6%
2Guild Mortgage567.1%
3Rogue Credit Union17413.2%
4United Shore Financial Services18515.1%
5Newrez8918.0%
6Pennymac Loan Services5018.0%
7First Community12420.2%
8Freedom Mortgage5320.8%
9Mortgage Research Center6622.7%
10Rocket Mortgage18922.8%

What Douglas County borrowers applied for

By loan purpose

Home purchase 1,599 41% · 10.8% denied
Refinance 566 15% · 15.6% denied
Cash-out refinance 830 21% · 24.5% denied
Home improvement 406 10% · 32.5% denied
Other / HELOC 483 12% · 30.2% denied

By loan type

Conventional 2,540 65% · 20.8% denied
FHA 618 16% · 18.0% denied
VA 673 17% · 14.0% denied
USDA / RHS 53 1% · 13.2% denied

Why applications were denied

Debt-to-income ratio 176 24%
Credit history 169 23%
Collateral 138 19%
Incomplete application 129 17%
Other 87 12%
Insufficient cash 18 2%
Unverifiable information 14 2%
Employment history 10 1%

Douglas County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1311,70419.8%6.94%$205,000
20243,5111,97319.1%6.75%$215,000
20253,8842,13719.1%6.63%$225,000

Frequently asked questions

19.1% of applications in Douglas County were denied in 2025, against 15.3% statewide in Oregon.

Rogue Credit Union, with 234 applications in 2025 and a denial rate of 9.8%.

The median mortgage application in Douglas County in 2025 was for $225,000; the median property value on originated loans was $355,000.