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Washington County, Oregon · 2025

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

430 lenders acted on 19,100 mortgage applications for properties in Washington County in 2025. 13.2% were denied (Oregon: 15.3%). Median rate on closed loans 6.63%; median loan $345,000; median property value $595,000.

19kApplications
13.2%Denial ratestate 15.3%
6.63%Median ratestate 6.75%
$345,000Median loan
$595,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Onpoint Community Credit Union B 2,1941,578 14.0%7.50%
2 First Technology Federal Credit Union B 945660 12.3%7.38%
3 United Shore Financial Services B 878673 9.5%6.38%
4 Rocket Mortgage C 769575 13.7%6.75%
5 U.S. Bank D 722401 23.1%7.70%
6 Guild Mortgage A 660475 2.4%6.63%
7 Bank of America F 536250 25.6%6.00%
8 Lennar Mortgage A 453370 5.3%4.99%
9 Pennymac Loan Services C 367225 7.9%6.50%
10 Newrez D 333154 14.7%6.63%
11 CMG Mortgage A 323250 3.1%6.13%
12 Mortgage Express A 321234 3.7%6.50%
13 Nations Direct Mortgage B 284235 0.7%6.49%
14 JPMorgan Chase Bank B 254140 9.8%6.25%
15 Rivermark Community D 248135 17.3%7.99%
16 Crosscountry Mortgage B 231156 4.3%6.88%
17 Spring Eq D 22575 51.1%8.80%
18 Unitus Community Credit Union D 225123 25.3%7.25%
19 Coastal Community Bank C 21752 2.8%9.99%
20 Guaranteed Rate B 201104 4.5%6.53%
21 Provident Funding Associates A 199151 1.0%6.38%
22 Fairway Independent Mortgage B 190129 6.3%6.63%
23 Navy Federal Credit Union D 18083 15.6%6.88%
24 Umpqua Bank C 176106 22.7%7.33%
25 Freedom Mortgage B 17676 10.2%6.00%

Best approval odds in Washington County

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

#LenderDecidedDecision denial rate
1Go Mortgage560.0%
2Nations Direct Mortgage2370.8%
3Provident Funding Associates1551.3%
4Summit Mortgage641.6%
5Clm Mortgage1131.8%
6Paramount Residential Mortgage Group1182.5%
7Guild Mortgage5263.0%
8The Loan Store1143.5%
9CMG Mortgage2833.5%
10Coastal Community Bank1593.8%

What Washington County borrowers applied for

By loan purpose

Home purchase 8,576 45% · 6.1% denied
Refinance 3,253 17% · 11.6% denied
Cash-out refinance 2,586 14% · 18.7% denied
Home improvement 2,238 12% · 22.2% denied
Other / HELOC 2,447 13% · 26.3% denied

By loan type

Conventional 16,349 86% · 13.3% denied
FHA 1,772 9% · 13.3% denied
VA 965 5% · 11.2% denied
USDA / RHS 14 0% · 21.4% denied

Why applications were denied

Debt-to-income ratio 953 38%
Credit history 437 17%
Collateral 382 15%
Incomplete application 319 13%
Other 231 9%
Unverifiable information 123 5%
Insufficient cash 54 2%
Employment history 23 1%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202316,08710,01915.2%7.00%$305,000
202417,69011,09414.6%6.88%$335,000
202519,10012,07813.2%6.63%$345,000

Frequently asked questions

13.2% of applications in Washington County were denied in 2025, against 15.3% statewide in Oregon.

Onpoint Community Credit Union, with 2,194 applications in 2025 and a denial rate of 14.0%.

The median mortgage application in Washington County in 2025 was for $345,000; the median property value on originated loans was $595,000.