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Marion County, Oregon · 2025

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

347 lenders acted on 11,407 mortgage applications for properties in Marion County in 2025. 15.9% were denied (Oregon: 15.3%). Median rate on closed loans 6.88%; median loan $265,000; median property value $455,000.

11kApplications
15.9%Denial ratestate 15.3%
6.88%Median ratestate 6.75%
$265,000Median loan
$455,000Median property value

Largest lenders in Marion County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Marion and Polk Schools Credit Union B 757535 12.4%7.25%
2 Rocket Mortgage C 606450 13.4%6.75%
3 Guild Mortgage A 508359 3.0%6.63%
4 United Shore Financial Services B 448316 13.2%6.30%
5 Onpoint Community Credit Union B 428294 18.0%7.50%
6 U.S. Bank D 372184 33.9%7.95%
7 Newrez D 312128 15.4%6.50%
8 Umpqua Bank C 244154 20.5%7.75%
9 Pennymac Loan Services C 241144 13.7%6.69%
10 Oregon Community B 232169 12.5%7.50%
11 Triad Financial Services D 23279 37.1%8.78%
12 First Technology Federal Credit Union B 219151 11.9%7.50%
13 Nations Direct Mortgage B 206157 2.9%6.38%
14 Loandepot.Com D 202129 16.3%6.63%
15 Dhi Mortgage Company B 190157 5.3%5.50%
16 Mortgage Research Center C 18270 19.2%6.06%
17 Synergy One Lending C 172122 4.1%6.50%
18 Spring Eq D 16650 42.2%8.69%
19 Oregon State Credit Union C 15894 19.6%7.50%
20 Coastal Community Bank C 14026 2.1%9.99%
21 Union Home Mortgage B 13794 8.8%6.50%
22 Lennar Mortgage A 137104 8.8%5.25%
23 Freedom Mortgage B 13556 8.9%5.93%
24 21st Mortgage F 13019 59.2%10.27%
25 Crosscountry Mortgage B 12686 7.9%6.75%

Best approval odds in Marion County

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

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage500.0%
2Lpmc801.3%
3Movement Mortgage852.4%
4Coastal Community Bank873.5%
5Nations Direct Mortgage1633.7%
6Guild Mortgage3993.8%
7CMG Mortgage1053.8%
8Churchill Mortgage513.9%
9Synergy One Lending1295.4%
10Dhi Mortgage Company1676.0%

What Marion County borrowers applied for

By loan purpose

Home purchase 4,620 41% · 9.9% denied
Refinance 1,506 13% · 15.3% denied
Cash-out refinance 2,201 19% · 18.5% denied
Home improvement 1,338 12% · 21.1% denied
Other / HELOC 1,742 15% · 25.3% denied

By loan type

Conventional 8,595 75% · 17.0% denied
FHA 1,816 16% · 12.9% denied
VA 975 9% · 12.1% denied
USDA / RHS 21 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 695 38%
Credit history 348 19%
Collateral 260 14%
Incomplete application 213 12%
Other 163 9%
Unverifiable information 69 4%
Insufficient cash 42 2%
Employment history 25 1%

Marion County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,6395,54319.9%7.13%$235,000
202410,2145,91917.5%6.99%$255,000
202511,4076,79515.9%6.88%$265,000

Frequently asked questions

15.9% of applications in Marion County were denied in 2025, against 15.3% statewide in Oregon.

Marion and Polk Schools Credit Union, with 757 applications in 2025 and a denial rate of 12.4%.

The median mortgage application in Marion County in 2025 was for $265,000; the median property value on originated loans was $455,000.