Lenders › United Wholesale Mortgage › Oregon
United Wholesale Mortgage in Oregon
HMDA record for properties in Oregon, calendar year 2024. National record · Oregon overview
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.
United Wholesale Mortgage's 2024 HMDA record for Oregon covers 5,474 applications, 4,231 of them originated, worth $1.8bn.
Its denial rate in the state was 10.9%, below the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Oregon originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 19% on 2023.
Compared with the state and the lender's national record
| Measure | In Oregon | Oregon, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.9% | 20.6% | 13.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.5% | 16.0% | 5.8% | 15.6% |
| Average originated loan | $426k | $354k | $382k | $329k |
| Home purchase share | 67.6% | 53.8% | 67.0% | 57.0% |
| FHA-insured share | 19.3% | 11.9% | 20.3% | 13.4% |
| VA-guaranteed share | 16.2% | 6.7% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOregon, all lenders
Loan purpose and loan type in Oregon
By purpose
Home purchase 68% (2,861)Refinancing 17% (711)Cash-out refinancing 16% (659)
By type
Conventional 64% (2,715)FHA 19% (815)VA 16% (686)USDA 0% (15)
Denial reasons as coded
Share of 528 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oregon
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Multnomah County | 1,024 | 809 | $354m | 9.9% |
| Washington County | 758 | 591 | $284m | 10.0% |
| Clackamas County | 721 | 570 | $284m | 10.5% |
| Lane County | 485 | 388 | $153m | 10.0% |
| Deschutes County | 391 | 317 | $159m | 9.0% |
| Marion County | 369 | 273 | $104m | 11.6% |
| Jackson County | 302 | 233 | $86m | 11.7% |
| Douglas County | 207 | 142 | $48m | 15.4% |
| Yamhill County | 152 | 121 | $51m | 9.6% |
| Linn County | 150 | 109 | $38m | 17.8% |
| Polk County | 105 | 81 | $29m | 6.5% |
| Columbia County | 84 | 59 | $22m | 11.9% |
| Josephine County | 84 | 55 | $19m | 14.7% |
| Klamath County | 73 | 54 | $16m | 10.9% |
| Lincoln County | 66 | 51 | $19m | 7.0% |
| Clatsop County | 53 | 46 | $19m | 4.1% |
| Coos County | 52 | 40 | $13m | 12.8% |
| Crook County | 47 | 40 | $15m | 2.4% |
| Benton County | 47 | 38 | $15m | 9.5% |
| Umatilla County | 49 | 36 | $10m | 18.2% |
| Jefferson County | 46 | 34 | $12m | 16.7% |
| Wasco County | 40 | 28 | $9.6m | 21.6% |
| Hood River County | 37 | 25 | $11m | 16.1% |
| Tillamook County | 29 | 23 | $8.8m | 8.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Oregon in 2024?
4,231 loans totalling $1.8bn, from 5,474 applications reported for properties in Oregon.
What is United Wholesale Mortgage's denial rate in Oregon?
10.9% of decided applications in Oregon were denied, against 20.6% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: Multnomah County (809), Washington County (591), Clackamas County (570), Lane County (388), Deschutes County (317).
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.