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Josephine County, Oregon · 2025

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

211 lenders acted on 3,002 mortgage applications for properties in Josephine County in 2025. 16.6% were denied (Oregon: 15.3%). Median rate on closed loans 6.75%; median loan $255,000; median property value $415,000.

3.0kApplications
16.6%Denial ratestate 15.3%
6.75%Median ratestate 6.75%
$255,000Median loan
$415,000Median property value

Largest lenders in Josephine County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rogue Credit Union C 382277 8.9%7.49%
2 Nations Lending B 184163 0.0%6.50%
3 First Community B 177100 22.0%5.50%
4 Guild Mortgage A 167117 1.2%6.50%
5 Rocket Mortgage C 14490 25.7%6.63%
6 United Shore Financial Services B 13492 13.4%6.12%
7 Evergreen Federal Bank C 7353 12.3%—
8 Crosscountry Mortgage B 7036 5.7%6.58%
9 Mortgage Research Center C 7027 17.1%6.25%
10 CMG Mortgage A 6945 2.9%6.63%
11 Sunflower Bank B 6948 5.8%6.63%
12 Pennymac Loan Services C 5827 19.0%6.50%
13 First Interstate Bank D 5538 18.2%8.50%
14 Newrez D 5518 21.8%6.81%
15 U.S. Bank D 5221 46.2%7.85%
16 Banner Bank D 5123 37.3%6.99%
17 Umpqua Bank C 4627 23.9%7.50%
18 Spring Eq D 3611 52.8%10.43%
19 Loandepot.Com D 3618 27.8%7.69%
20 Directors Mortgage B 3415 14.7%6.38%
21 AmeriSave Mortgage D 323 75.0%8.38%
22 Twinstar D 3212 37.5%7.50%
23 Nations Direct Mortgage B 3125 0.0%6.49%
24 Freedom Mortgage B 3111 6.5%6.13%
25 Coastal Community Bank C 296 6.9%9.74%

Best approval odds in Josephine County

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

#LenderDecidedDecision denial rate
1Nations Lending1780.0%
2Guild Mortgage1421.4%
3CMG Mortgage513.9%
4Sunflower Bank527.7%
5Rogue Credit Union31610.8%
6Evergreen Federal Bank6214.5%
7United Shore Financial Services11315.9%
8First Interstate Bank5020.0%
9First Community14227.5%
10Rocket Mortgage13228.0%

What Josephine County borrowers applied for

By loan purpose

Home purchase 1,247 42% · 6.6% denied
Refinance 376 13% · 18.1% denied
Cash-out refinance 604 20% · 21.9% denied
Home improvement 382 13% · 25.1% denied
Other / HELOC 393 13% · 30.3% denied

By loan type

Conventional 2,159 72% · 17.4% denied
FHA 438 15% · 16.0% denied
VA 399 13% · 12.5% denied
USDA / RHS 6 0% · 16.7% denied

Why applications were denied

Debt-to-income ratio 165 33%
Collateral 90 18%
Incomplete application 82 16%
Credit history 78 16%
Other 41 8%
Unverifiable information 21 4%
Insufficient cash 12 2%
Employment history 8 2%

Josephine County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4281,39217.6%7.00%$225,000
20242,7621,56217.6%6.83%$225,000
20253,0021,72016.6%6.75%$255,000

Frequently asked questions

16.6% of applications in Josephine County were denied in 2025, against 15.3% statewide in Oregon.

Rogue Credit Union, with 382 applications in 2025 and a denial rate of 8.9%.

The median mortgage application in Josephine County in 2025 was for $255,000; the median property value on originated loans was $415,000.