Largest lenders in Yamhill County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Onpoint Community Credit Union | B | 457 | 334 | 16.6% | 7.50% |
| 2 | Rocket Mortgage | C | 197 | 147 | 13.2% | 6.99% |
| 3 | United Shore Financial Services | B | 162 | 115 | 16.1% | 6.13% |
| 4 | Guild Mortgage | A | 148 | 110 | 1.4% | 6.38% |
| 5 | U.S. Bank | D | 131 | 54 | 35.1% | 8.15% |
| 6 | First Community | B | 112 | 72 | 20.5% | 5.50% |
| 7 | Pennymac Loan Services | C | 99 | 64 | 8.1% | 6.50% |
| 8 | Mortgage Express | A | 94 | 72 | 6.4% | 6.43% |
| 9 | Newrez | D | 92 | 37 | 6.5% | 6.75% |
| 10 | First Federal | – | 87 | 46 | 20.7% | — |
| 11 | Triad Financial Services | D | 79 | 27 | 29.1% | 8.72% |
| 12 | First Technology Federal Credit Union | B | 68 | 46 | 8.8% | 7.56% |
| 13 | Go Mortgage | B | 66 | 54 | 3.0% | 6.63% |
| 14 | Umpqua Bank | C | 65 | 33 | 32.3% | 7.50% |
| 15 | Freedom Mortgage | B | 59 | 24 | 15.3% | 6.13% |
| 16 | 21st Mortgage | F | 57 | 15 | 42.1% | 9.79% |
| 17 | Mortgage Research Center | C | 55 | 30 | 16.4% | 6.13% |
| 18 | Movement Mortgage | A | 53 | 35 | 7.6% | 6.63% |
| 19 | Spring Eq | D | 49 | 19 | 42.9% | 10.13% |
| 20 | Nations Direct Mortgage | B | 48 | 41 | 2.1% | 6.38% |
| 21 | Crosscountry Mortgage | B | 43 | 28 | 4.7% | 6.58% |
| 22 | Guaranteed Rate | B | 42 | 32 | 4.8% | 6.75% |
| 23 | Oregon State Credit Union | C | 42 | 25 | 16.7% | 7.50% |
| 24 | Bank of America | F | 41 | 18 | 31.7% | 6.25% |
| 25 | CMG Mortgage | A | 36 | 24 | 0.0% | 6.63% |
Best approval odds in Yamhill County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 116 | 1.7% |
| 2 | Go Mortgage | 58 | 3.5% |
| 3 | Mortgage Express | 87 | 6.9% |
| 4 | First Technology Federal Credit Union | 57 | 10.5% |
| 5 | Pennymac Loan Services | 74 | 10.8% |
| 6 | Rocket Mortgage | 177 | 14.7% |
| 7 | Onpoint Community Credit Union | 438 | 17.4% |
| 8 | United Shore Financial Services | 144 | 18.1% |
| 9 | First Community | 96 | 24.0% |
| 10 | First Federal | 65 | 27.7% |
What Yamhill County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Yamhill County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,455 | 2,000 | 19.5% | 7.11% | $225,000 |
| 2024 | 3,482 | 2,119 | 17.4% | 6.99% | $265,000 |
| 2025 | 3,968 | 2,410 | 16.8% | 6.75% | $285,000 |
Frequently asked questions
16.8% of applications in Yamhill County were denied in 2025, against 15.3% statewide in Oregon.
Onpoint Community Credit Union, with 457 applications in 2025 and a denial rate of 16.6%.
The median mortgage application in Yamhill County in 2025 was for $285,000; the median property value on originated loans was $515,000.