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Jackson County, Oregon · 2025

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

280 lenders acted on 7,884 mortgage applications for properties in Jackson County in 2025. 14.6% were denied (Oregon: 15.3%). Median rate on closed loans 6.75%; median loan $275,000; median property value $435,000.

7.9kApplications
14.6%Denial ratestate 15.3%
6.75%Median ratestate 6.75%
$275,000Median loan
$435,000Median property value

Largest lenders in Jackson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rogue Credit Union C 1,253904 9.7%7.49%
2 Guild Mortgage A 461339 3.3%6.50%
3 United Shore Financial Services B 366272 9.3%6.25%
4 Rocket Mortgage C 354243 17.2%6.63%
5 CMG Mortgage A 341251 2.4%6.63%
6 Crosscountry Mortgage B 269167 4.5%6.58%
7 Movement Mortgage A 207142 3.4%6.63%
8 U.S. Bank D 19493 37.1%7.49%
9 Pennymac Loan Services C 165100 9.1%6.88%
10 First Community B 162104 16.7%5.50%
11 Umpqua Bank C 15893 26.6%8.00%
12 Mortgage Research Center C 15362 17.0%6.25%
13 Banner Bank D 14171 30.5%8.00%
14 Newrez D 12350 16.3%6.50%
15 Sunflower Bank B 12082 5.8%6.38%
16 First Interstate Bank D 11265 34.8%8.50%
17 Nations Lending B 10890 0.0%6.50%
18 Spring Eq D 10330 54.4%9.71%
19 Freedom Mortgage B 10342 3.9%5.75%
20 Twinstar D 9841 38.8%7.50%
21 Evergreen Federal Bank C 9889 4.1%—
22 Loandepot.Com D 8749 18.4%7.50%
23 AmeriSave Mortgage D 8519 62.4%8.25%
24 JPMorgan Chase Bank B 7950 12.7%6.38%
25 Willamette Valley Bank C 7952 7.6%6.25%

Best approval odds in Jackson County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank510.0%
2Nations Lending1030.0%
3CMG Mortgage2782.9%
4Movement Mortgage1764.0%
5Guild Mortgage3734.0%
6Evergreen Federal Bank934.3%
7Mortgage Express535.7%
8Crosscountry Mortgage1836.6%
9Freedom Mortgage547.4%
10Sunflower Bank897.9%

What Jackson County borrowers applied for

By loan purpose

Home purchase 3,578 45% · 6.5% denied
Refinance 967 12% · 14.4% denied
Cash-out refinance 1,408 18% · 21.2% denied
Home improvement 862 11% · 22.3% denied
Other / HELOC 1,069 14% · 27.3% denied

By loan type

Conventional 6,006 76% · 15.5% denied
FHA 1,019 13% · 13.6% denied
VA 821 10% · 9.7% denied
USDA / RHS 38 0% · 5.3% denied

Why applications were denied

Debt-to-income ratio 374 32%
Incomplete application 212 18%
Credit history 209 18%
Collateral 176 15%
Other 100 9%
Unverifiable information 46 4%
Insufficient cash 30 3%
Employment history 6 1%

Jackson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,2803,80016.0%7.13%$235,000
20246,8324,11815.8%6.99%$255,000
20257,8844,73114.6%6.75%$275,000

Frequently asked questions

14.6% of applications in Jackson County were denied in 2025, against 15.3% statewide in Oregon.

Rogue Credit Union, with 1,253 applications in 2025 and a denial rate of 9.7%.

The median mortgage application in Jackson County in 2025 was for $275,000; the median property value on originated loans was $435,000.