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Rocket Mortgage in Oregon

HMDA record for properties in Oregon, calendar year 2024. National record · Oregon overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State Oregon

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Oregon, Rocket Mortgage reported 4,975 applications and 3,723 originations for 2024, $1.1bn in all.

Its denial rate in the state was 17.2%, below the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its Oregon originations was 0.4 percentage points (state median 0.4).

Applications in the state were up 21% on 2023.

4,975applications in OR, 20241.0% of the lender's total
3,723loans originated$1.1bn
17.2%denial rateOR all lenders 20.6%
0.4 ppmedian rate spreadOR 0.4 pp

Compared with the state and the lender's national record

MeasureIn OregonOregon, all lendersRocket Mortgage, all statesUnited States
Denial rate17.2%20.6%18.2%24.3%
Median rate spread, pp0.40.40.50.3
Originations with spread of 1.5 pp or more26.1%16.0%17.8%15.6%
Average originated loan$285k$354k$270k$329k
Home purchase share36.0%53.8%38.0%57.0%
FHA-insured share14.3%11.9%18.5%13.4%
VA-guaranteed share7.4%6.7%7.8%7.9%

Trend by year

ApplicationsOriginations

03,4406,8802022: 6,880 Applications2023: 4,099 Applications2024: 4,975 Applications2022: 5,181 Originations2023: 3,088 Originations2024: 3,723 Originations202220232024
Rocket Mortgage in Oregon: applications and originations, 2022–2024

This lender in stateOregon, all lenders

0%10.8%21.7%2022: 14.7% This lender in state2023: 16.2% This lender in state2024: 17.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oregon

By purpose

Home purchase 36% (1,342)Home improvement 1% (27)Refinancing 9% (320)Cash-out refinancing 50% (1,868)Other purpose 4% (166)

By type

Conventional 78% (2,913)FHA 14% (533)VA 7% (277)

Denial reasons as coded

Collateral35.9%
Debt-to-income ratio24.5%
Credit application incomplete19.7%
Other6.2%
Credit history5.1%
Insufficient cash (downpayment, closing costs)3.8%
Employment history2.5%
Unverifiable information2.3%
Mortgage insurance denied0%

Share of 788 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oregon

CountyApplicationsOriginationsAmountDenial rate
Washington County613480$164m13.9%
Multnomah County600431$135m19.7%
Marion County447346$89m16.2%
Clackamas County413316$107m15.2%
Lane County411312$85m14.6%
Deschutes County306244$86m12.8%
Jackson County281215$56m13.0%
Linn County195142$34m23.2%
Douglas County193131$32m23.2%
Yamhill County142113$30m16.2%
Klamath County141103$20m21.1%
Coos County132101$20m15.6%
Polk County130100$26m12.7%
Josephine County11074$18m21.1%
Lincoln County10673$23m20.8%
Benton County9269$20m15.9%
Umatilla County9967$14m25.6%
Columbia County8761$18m19.5%
Clatsop County6546$15m20.3%
Tillamook County5945$12m15.1%
Wasco County4034$7.4m12.8%
Crook County4131$6.3m16.2%
Malheur County4029$6.6m21.1%
Curry County3425$5.0m19.4%
Jefferson County3124$6.7m13.8%
Union County3923$4.5m29.4%
Baker County3220$4.7m30.0%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in Oregon in 2024?

3,723 loans totalling $1.1bn, from 4,975 applications reported for properties in Oregon.

What is Rocket Mortgage's denial rate in Oregon?

17.2% of decided applications in Oregon were denied, against 20.6% for all lenders in the state and 18.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Oregon counties does Rocket Mortgage lend in most?

By originations: Washington County (480), Multnomah County (431), Marion County (346), Clackamas County (316), Lane County (312).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oregon. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.