Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Crosscountry Mortgage | B | 158 | 89 | 3.8% | 6.63% |
| 2 | Rocket Mortgage | C | 128 | 88 | 21.1% | 6.69% |
| 3 | Oregon State Credit Union | C | 125 | 69 | 12.8% | 7.50% |
| 4 | United Shore Financial Services | B | 85 | 60 | 9.4% | 6.47% |
| 5 | U.S. Bank | D | 83 | 34 | 39.8% | 7.75% |
| 6 | Fibre | C | 81 | 48 | 35.8% | 7.69% |
| 7 | Evergreen Moneysource Mortgage | B | 72 | 51 | 0.0% | 6.88% |
| 8 | Umpqua Bank | C | 69 | 40 | 31.9% | 8.00% |
| 9 | Onpoint Community Credit Union | B | 66 | 43 | 9.1% | 7.25% |
| 10 | Newrez | D | 65 | 33 | 9.2% | 6.63% |
| 11 | Guild Mortgage | A | 58 | 34 | 5.2% | 6.99% |
| 12 | BMO Bank | F | 50 | 14 | 54.0% | 8.64% |
| 13 | Pennymac Loan Services | C | 47 | 23 | 10.6% | 6.88% |
| 14 | Mortgage Research Center | C | 44 | 17 | 13.6% | 6.25% |
| 15 | Lpmc | B | 35 | 24 | 2.9% | 6.63% |
| 16 | AmeriSave Mortgage | D | 34 | 3 | 79.4% | 6.75% |
| 17 | Loandepot.Com | D | 33 | 19 | 18.2% | 7.25% |
| 18 | Mutual of Omaha Mortgage | C | 31 | 13 | 32.3% | 6.25% |
| 19 | 1st Security Bank of Washington | B | 31 | 16 | 22.6% | 7.44% |
| 20 | Movement Mortgage | A | 28 | 19 | 3.6% | 7.13% |
| 21 | 21st Mortgage | F | 27 | 7 | 29.6% | 9.05% |
| 22 | Triad Financial Services | D | 26 | 3 | 46.2% | 9.48% |
| 23 | Navy Federal Credit Union | D | 26 | 14 | 11.5% | 6.25% |
| 24 | Union Home Mortgage | B | 25 | 21 | 8.0% | 6.50% |
| 25 | Credit Human Federal Credit Union | D | 22 | 8 | 50.0% | 8.75% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Evergreen Moneysource Mortgage | 57 | 0.0% |
| 2 | Crosscountry Mortgage | 97 | 6.2% |
| 3 | Onpoint Community Credit Union | 54 | 11.1% |
| 4 | United Shore Financial Services | 70 | 11.4% |
| 5 | Oregon State Credit Union | 93 | 17.2% |
| 6 | Rocket Mortgage | 117 | 23.1% |
| 7 | Umpqua Bank | 63 | 34.9% |
| 8 | Fibre | 81 | 35.8% |
| 9 | U.S. Bank | 71 | 46.5% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,982 | 1,058 | 20.0% | 7.13% | $255,000 |
| 2024 | 2,070 | 1,176 | 17.2% | 7.13% | $255,000 |
| 2025 | 2,412 | 1,309 | 17.9% | 6.88% | $265,000 |
Frequently asked questions
17.9% of applications in Lincoln County were denied in 2025, against 15.3% statewide in Oregon.
Crosscountry Mortgage, with 158 applications in 2025 and a denial rate of 3.8%.
The median mortgage application in Lincoln County in 2025 was for $265,000; the median property value on originated loans was $495,000.