Largest lenders in Tillamook County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fibre | C | 125 | 71 | 24.8% | 7.63% |
| 2 | U.S. Bank | D | 97 | 52 | 29.9% | 7.90% |
| 3 | Guild Mortgage | A | 90 | 63 | 2.2% | 6.63% |
| 4 | Rocket Mortgage | C | 66 | 53 | 12.1% | 6.63% |
| 5 | Onpoint Community Credit Union | B | 53 | 42 | 9.4% | 7.44% |
| 6 | Newrez | D | 47 | 26 | 8.5% | 6.56% |
| 7 | United Shore Financial Services | B | 38 | 23 | 15.8% | 6.62% |
| 8 | Umpqua Bank | C | 35 | 23 | 14.3% | 8.25% |
| 9 | Sunflower Bank | B | 31 | 25 | 0.0% | 6.63% |
| 10 | 1st Security Bank of Washington | B | 23 | 8 | 26.1% | 7.50% |
| 11 | Kind Lending | C | 22 | 16 | 22.7% | 6.75% |
| 12 | Crosscountry Mortgage | B | 20 | 9 | 20.0% | 6.58% |
| 13 | Spring Eq | D | 20 | 7 | 25.0% | 8.58% |
| 14 | Bank of America | F | 19 | 7 | 26.3% | 6.24% |
| 15 | Evergreen Moneysource Mortgage | B | 19 | 10 | 0.0% | 7.19% |
| 16 | Pennymac Loan Services | C | 18 | 11 | 11.1% | 7.13% |
| 17 | AmeriSave Mortgage | D | 18 | 5 | 50.0% | 9.50% |
| 18 | Mortgage Research Center | C | 17 | 10 | 17.7% | 6.25% |
| 19 | First Technology Federal Credit Union | B | 16 | 11 | 18.8% | 7.25% |
| 20 | Union Home Mortgage | B | 15 | 10 | 6.7% | 6.31% |
| 21 | The Loan Store | B | 15 | 9 | 13.3% | 6.88% |
| 22 | Banner Bank | D | 14 | 8 | 21.4% | 6.88% |
| 23 | Freedom Mortgage | B | 14 | 6 | 0.0% | 6.38% |
| 24 | Guaranteed Rate | B | 13 | 5 | 0.0% | 6.85% |
| 25 | Loandepot.Com | D | 13 | 6 | 30.8% | 7.81% |
Best approval odds in Tillamook County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 72 | 2.8% |
| 2 | Onpoint Community Credit Union | 50 | 10.0% |
| 3 | Rocket Mortgage | 62 | 12.9% |
| 4 | Fibre | 123 | 25.2% |
| 5 | U.S. Bank | 83 | 34.9% |
What Tillamook County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Tillamook County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,136 | 673 | 17.6% | 7.13% | $265,000 |
| 2024 | 1,176 | 710 | 17.5% | 7.00% | $265,000 |
| 2025 | 1,363 | 825 | 14.8% | 6.88% | $275,000 |
Frequently asked questions
14.8% of applications in Tillamook County were denied in 2025, against 15.3% statewide in Oregon.
Fibre, with 125 applications in 2025 and a denial rate of 24.8%.
The median mortgage application in Tillamook County in 2025 was for $275,000; the median property value on originated loans was $505,000.