Largest lenders in Malheur County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rogue Credit Union | C | 113 | 84 | 8.0% | 7.49% |
| 2 | Guild Mortgage | A | 73 | 45 | 4.1% | 6.25% |
| 3 | Rocket Mortgage | C | 48 | 29 | 25.0% | 6.50% |
| 4 | First Colony Mortgage | A | 45 | 37 | 4.4% | 6.49% |
| 5 | Idaho Central Credit Union | A | 43 | 11 | 41.9% | 7.38% |
| 6 | U.S. Bank | D | 34 | 12 | 50.0% | 6.94% |
| 7 | Loandepot.Com | D | 25 | 20 | 4.0% | 6.38% |
| 8 | D. L. Evans Bank | D | 22 | 11 | 13.6% | — |
| 9 | Pennymac Loan Services | C | 21 | 11 | 4.8% | 6.63% |
| 10 | Umpqua Bank | C | 19 | 9 | 21.1% | 8.13% |
| 11 | United Shore Financial Services | B | 17 | 14 | 5.9% | 6.44% |
| 12 | Mortgage Research Center | C | 17 | 5 | 17.7% | 6.25% |
| 13 | Freedom Mortgage | B | 14 | 4 | 14.3% | 6.63% |
| 14 | Newrez | D | 13 | 6 | 15.4% | 7.50% |
| 15 | Zions Bancorporation | B | 12 | 4 | 50.0% | 5.75% |
| 16 | GoodLeap | C | 11 | 6 | 9.1% | 5.69% |
| 17 | Coastal Community Bank | C | 11 | 2 | 0.0% | 10.49% |
| 18 | Waterstone Mortgage | C | 10 | 6 | 30.0% | 7.00% |
| 19 | Movement Mortgage | A | 9 | 7 | 11.1% | 6.13% |
| 20 | AmeriSave Mortgage | D | 8 | 1 | 75.0% | 10.13% |
| 21 | Spring Eq | D | 8 | 1 | 50.0% | 11.80% |
| 22 | Nationstar Mortgage | C | 8 | 5 | 0.0% | 6.63% |
| 23 | The Federal Savings Bank | C | 8 | 3 | 0.0% | 5.75% |
| 24 | 1st Security Bank of Washington | B | 8 | 2 | 37.5% | 8.75% |
| 25 | Primelending, a Plainscapital | A | 8 | 8 | 0.0% | 6.56% |
Best approval odds in Malheur County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 55 | 5.5% |
| 2 | Rogue Credit Union | 95 | 9.5% |
What Malheur County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Malheur County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 668 | 348 | 21.9% | 7.13% | $155,000 |
| 2024 | 676 | 353 | 22.5% | 6.97% | $175,000 |
| 2025 | 843 | 452 | 18.4% | 6.75% | $195,000 |
Frequently asked questions
18.4% of applications in Malheur County were denied in 2025, against 15.3% statewide in Oregon.
Rogue Credit Union, with 113 applications in 2025 and a denial rate of 8.0%.
The median mortgage application in Malheur County in 2025 was for $195,000; the median property value on originated loans was $315,000.