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Umatilla County, Oregon · 2025

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

185 lenders acted on 2,678 mortgage applications for properties in Umatilla County in 2025. 16.8% were denied (Oregon: 15.3%). Median rate on closed loans 6.50%; median loan $225,000; median property value $335,000.

2.7kApplications
16.8%Denial ratestate 15.3%
6.50%Median ratestate 6.75%
$225,000Median loan
$335,000Median property value

Largest lenders in Umatilla County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 284210 4.6%6.38%
2 First Community B 192125 22.9%5.50%
3 American Pacific Mortgage C 161140 3.1%6.63%
4 Rocket Mortgage C 141100 19.9%6.63%
5 Banner Bank D 10763 31.8%6.74%
6 United Shore Financial Services B 9049 21.1%6.12%
7 Bayshore Mortgage Funding C 8761 4.6%6.69%
8 Umpqua Bank C 8255 18.3%7.56%
9 U.S. Bank D 8039 38.8%7.70%
10 Mortgage Research Center C 6432 25.0%6.25%
11 Mortgage Express A 6448 7.8%6.43%
12 Freedom Mortgage B 5624 10.7%6.25%
13 Pennymac Loan Services C 5326 9.4%6.25%
14 Newrez D 4923 8.2%6.00%
15 Gesa D 4933 16.3%7.50%
16 Premier Mortgage Resources B 4631 4.4%6.63%
17 Triad Financial Services D 458 57.8%9.20%
18 Synergy One Lending C 4337 9.3%6.63%
19 Hapo Community Credit Union D 3415 20.6%7.50%
20 Mutual of Omaha Mortgage C 3225 9.4%5.88%
21 Loandepot.Com D 3223 18.8%6.50%
22 AmeriSave Mortgage D 298 62.1%9.19%
23 Lpmc B 2826 0.0%6.44%
24 CMG Mortgage A 2714 11.1%6.63%
25 New Day Financial F 246 4.2%7.19%

Best approval odds in Umatilla County

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

#LenderDecidedDecision denial rate
1American Pacific Mortgage1453.5%
2Guild Mortgage2375.5%
3Bayshore Mortgage Funding656.2%
4Mortgage Express598.5%
5Umpqua Bank7021.4%
6Rocket Mortgage13021.5%
7First Community16926.0%
8United Shore Financial Services6927.5%
9Banner Bank9735.1%
10U.S. Bank7044.3%

What Umatilla County borrowers applied for

By loan purpose

Home purchase 1,162 43% · 9.0% denied
Refinance 423 16% · 13.5% denied
Cash-out refinance 565 21% · 19.1% denied
Home improvement 223 8% · 31.4% denied
Other / HELOC 305 11% · 35.7% denied

By loan type

Conventional 1,658 62% · 19.5% denied
FHA 651 24% · 13.8% denied
VA 341 13% · 10.0% denied
USDA / RHS 28 1% · 3.6% denied

Why applications were denied

Debt-to-income ratio 122 27%
Credit history 119 27%
Collateral 86 19%
Incomplete application 58 13%
Other 39 9%
Unverifiable information 16 4%
Insufficient cash 6 1%
Employment history 2 0%

Umatilla County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0781,20418.2%6.81%$205,000
20242,3021,35619.0%6.63%$215,000
20252,6781,61016.8%6.50%$225,000

Frequently asked questions

16.8% of applications in Umatilla County were denied in 2025, against 15.3% statewide in Oregon.

Guild Mortgage, with 284 applications in 2025 and a denial rate of 4.6%.

The median mortgage application in Umatilla County in 2025 was for $225,000; the median property value on originated loans was $335,000.