Largest lenders in Morrow County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bayshore Mortgage Funding | C | 33 | 23 | 0.0% | 6.63% |
| 2 | Banner Bank | D | 29 | 18 | 24.1% | 6.50% |
| 3 | Rocket Mortgage | C | 28 | 16 | 39.3% | 6.06% |
| 4 | Guild Mortgage | A | 26 | 19 | 0.0% | 6.19% |
| 5 | United Shore Financial Services | B | 24 | 10 | 16.7% | 6.12% |
| 6 | American Pacific Mortgage | C | 16 | 15 | 0.0% | 6.50% |
| 7 | Umpqua Bank | C | 14 | 10 | 14.3% | 7.13% |
| 8 | Pennymac Loan Services | C | 13 | 7 | 7.7% | 6.99% |
| 9 | U.S. Bank | D | 11 | 4 | 45.5% | 7.51% |
| 10 | Newrez | D | 11 | 7 | 9.1% | 6.13% |
| 11 | Gesa | D | 11 | 7 | 0.0% | 7.38% |
| 12 | Fairway Independent Mortgage | B | 10 | 10 | 0.0% | 6.75% |
| 13 | Mortgage Research Center | C | 10 | 3 | 40.0% | 6.13% |
| 14 | Sierra Pacific Mortgage Company | C | 9 | 8 | 0.0% | 6.50% |
| 15 | Freedom Mortgage | B | 8 | 1 | 37.5% | 5.75% |
| 16 | Mortgage Express | A | 8 | 8 | 0.0% | 6.25% |
| 17 | Vanderbilt Mortgage and Finance | F | 8 | 0 | 50.0% | — |
| 18 | Hapo Community Credit Union | D | 6 | 3 | 50.0% | 7.50% |
| 19 | Coastal Community Bank | C | 6 | 1 | 0.0% | 14.49% |
| 20 | First Community | B | 5 | 2 | 40.0% | 5.00% |
| 21 | AgWest Farm Credit, FLCA | D | 5 | 1 | 0.0% | 5.75% |
| 22 | CMG Mortgage | A | 5 | 3 | 0.0% | 6.50% |
| 23 | 1st Security Bank of Washington | B | 5 | 4 | 0.0% | 6.38% |
What Morrow County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morrow County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 274 | 155 | 19.3% | 6.75% | $195,000 |
| 2024 | 289 | 184 | 21.1% | 6.75% | $235,000 |
| 2025 | 419 | 244 | 16.5% | 6.50% | $235,000 |
Frequently asked questions
16.5% of applications in Morrow County were denied in 2025, against 15.3% statewide in Oregon.
Bayshore Mortgage Funding, with 33 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Morrow County in 2025 was for $235,000; the median property value on originated loans was $325,000.