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Wasco County, Oregon · 2025

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

133 lenders acted on 895 mortgage applications for properties in Wasco County in 2025. 18.9% were denied (Oregon: 15.3%). Median rate on closed loans 6.75%; median loan $255,000; median property value $405,000.

895Applications
18.9%Denial ratestate 15.3%
6.75%Median ratestate 6.75%
$255,000Median loan
$405,000Median property value

Largest lenders in Wasco County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 6138 14.8%6.39%
2 Rocket Mortgage C 5643 10.7%6.63%
3 Umpqua Bank C 5434 25.9%7.75%
4 Rivermark Community D 5326 22.6%7.74%
5 Crosscountry Mortgage B 4734 6.4%6.49%
6 U.S. Bank D 3815 42.1%7.70%
7 Directors Mortgage B 3018 0.0%6.56%
8 Guild Mortgage A 2421 4.2%6.50%
9 Synergy One Lending C 2217 0.0%6.99%
10 Mortgage Research Center C 2010 20.0%6.31%
11 Union Home Mortgage B 1814 11.1%6.56%
12 21st Mortgage F 172 47.1%9.19%
13 Newrez D 166 18.8%6.62%
14 Onpoint Community Credit Union B 168 43.8%6.50%
15 Pennymac Loan Services C 134 15.4%6.24%
16 Loandepot.Com D 139 7.7%6.63%
17 Fairway Independent Mortgage B 1110 0.0%6.81%
18 AgWest Farm Credit, FLCA D 116 18.2%6.58%
19 BMO Bank F 113 54.6%10.17%
20 AmeriSave Mortgage D 103 50.0%6.50%
21 Spring Eq D 102 50.0%10.76%
22 Kind Lending C 105 50.0%6.25%
23 Figure Lending C 103 30.0%8.85%
24 New Day Financial F 90 11.1%—
25 Lakeview Loan Servicing C 92 55.6%6.43%

Best approval odds in Wasco County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage5012.0%

What Wasco County borrowers applied for

By loan purpose

Home purchase 371 41% · 9.2% denied
Refinance 104 12% · 19.2% denied
Cash-out refinance 188 21% · 18.1% denied
Home improvement 93 10% · 35.5% denied
Other / HELOC 139 16% · 34.5% denied

By loan type

Conventional 657 73% · 20.2% denied
FHA 140 16% · 12.1% denied
VA 95 11% · 19.0% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Debt-to-income ratio 46 27%
Credit history 39 23%
Collateral 30 18%
Incomplete application 18 11%
Other 18 11%
Unverifiable information 8 5%
Insufficient cash 7 4%
Employment history 2 1%

Wasco County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202371438120.6%6.99%$245,000
202475539922.5%6.88%$225,000
202589548918.9%6.75%$255,000

Frequently asked questions

18.9% of applications in Wasco County were denied in 2025, against 15.3% statewide in Oregon.

United Shore Financial Services, with 61 applications in 2025 and a denial rate of 14.8%.

The median mortgage application in Wasco County in 2025 was for $255,000; the median property value on originated loans was $405,000.