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Lane County, Oregon · 2025

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

345 lenders acted on 12,813 mortgage applications for properties in Lane County in 2025. 15.7% were denied (Oregon: 15.3%). Median rate on closed loans 6.88%; median loan $255,000; median property value $465,000.

13kApplications
15.7%Denial ratestate 15.3%
6.88%Median ratestate 6.75%
$255,000Median loan
$465,000Median property value

Largest lenders in Lane County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Oregon Community B 1,325969 10.3%7.50%
2 Selco Community C 983589 28.8%7.25%
3 United Shore Financial Services B 623482 8.7%6.13%
4 Rocket Mortgage C 540401 17.8%6.75%
5 Summit Funding C 536418 3.7%6.63%
6 CMG Mortgage A 408312 2.0%6.38%
7 Guild Mortgage A 380248 1.8%6.63%
8 U.S. Bank D 347166 32.0%7.60%
9 Onpoint Community Credit Union B 328225 17.4%7.50%
10 Twinstar D 322187 23.9%7.50%
11 Umpqua Bank C 316194 19.9%7.38%
12 Loandepot.Com D 279192 9.7%6.88%
13 Directors Mortgage B 248181 4.4%6.63%
14 Banner Bank D 238134 24.4%6.63%
15 Newrez D 20493 16.2%6.63%
16 Freedom Mortgage B 18986 7.9%6.25%
17 Pennymac Loan Services C 17386 12.1%6.50%
18 Crosscountry Mortgage B 170121 2.4%6.63%
19 American Pacific Mortgage C 165122 5.5%6.63%
20 Triad Financial Services D 16546 33.3%8.67%
21 Kind Lending C 146112 13.0%6.50%
22 Spring Eq D 14544 51.7%9.52%
23 Figure Lending C 14469 27.8%9.05%
24 Mortgage Research Center C 14267 20.4%6.25%
25 First Community B 12273 20.5%5.50%

Best approval odds in Lane County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank770.0%
2CMG Mortgage3492.3%
3Guild Mortgage2792.5%
4Crosscountry Mortgage1273.2%
5The Loan Store704.3%
6Dhi Mortgage Company904.4%
7Summit Funding4414.5%
8Directors Mortgage2075.3%
9American Pacific Mortgage1316.9%
10United Shore Financial Services5489.9%

What Lane County borrowers applied for

By loan purpose

Home purchase 5,145 40% · 7.9% denied
Refinance 1,957 15% · 13.6% denied
Cash-out refinance 2,055 16% · 20.8% denied
Home improvement 1,838 14% · 22.5% denied
Other / HELOC 1,818 14% · 27.7% denied

By loan type

Conventional 10,307 80% · 16.7% denied
FHA 1,460 11% · 11.9% denied
VA 1,029 8% · 12.1% denied
USDA / RHS 17 0% · 11.8% denied

Why applications were denied

Debt-to-income ratio 650 32%
Credit history 362 18%
Collateral 328 16%
Incomplete application 289 14%
Other 257 13%
Unverifiable information 75 4%
Insufficient cash 42 2%
Employment history 12 1%
Mortgage insurance denied 1 0%

Lane County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,8816,43820.8%7.25%$185,000
202410,9946,67017.1%7.13%$235,000
202512,8137,82215.7%6.88%$255,000

Frequently asked questions

15.7% of applications in Lane County were denied in 2025, against 15.3% statewide in Oregon.

Oregon Community, with 1,325 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Lane County in 2025 was for $255,000; the median property value on originated loans was $465,000.