Lenders › Spring Eq, LLC › Oregon
Spring Eq, LLC 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.
Spring Eq, LLC's 2024 HMDA record for Oregon covers 1,731 applications, 552 of them originated, worth $53m.
Its denial rate in the state was 61.7%, above the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 64.0%.
The median rate spread on its Oregon originations was 3.8 percentage points (state median 0.4).
Applications in the state were up 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Oregon | Oregon, all lenders | Spring Eq, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 61.7% | 20.6% | 64.0% | 24.3% |
| Median rate spread, pp | 3.8 | 0.4 | 3.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 95.8% | 16.0% | 96.7% | 15.6% |
| Average originated loan | $97k | $354k | $100k | $329k |
| Home purchase share | 1.1% | 53.8% | 1.0% | 57.0% |
| FHA-insured share | 0.0% | 11.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 6.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOregon, all lenders
Loan purpose and loan type in Oregon
By purpose
Home purchase 1% (6)Home improvement 25% (140)Refinancing 5% (29)Cash-out refinancing 8% (45)Other purpose 60% (332)
By type
Conventional 100% (552)
Denial reasons as coded
Share of 902 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oregon
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Washington County | 234 | 87 | $8.6m | 55.1% |
| Clackamas County | 249 | 82 | $10m | 59.5% |
| Multnomah County | 220 | 61 | $7.2m | 67.6% |
| Marion County | 171 | 55 | $4.8m | 59.7% |
| Lane County | 148 | 47 | $4.2m | 58.3% |
| Linn County | 67 | 29 | $1.9m | 51.7% |
| Jackson County | 83 | 27 | $1.9m | 62.0% |
| Deschutes County | 99 | 22 | $3.1m | 75.0% |
| Polk County | 48 | 19 | $1.3m | 55.8% |
| Yamhill County | 50 | 16 | $1.3m | 62.8% |
| Klamath County | 49 | 16 | $1.1m | 62.8% |
| Josephine County | 35 | 15 | $1.3m | 51.6% |
| Columbia County | 32 | 11 | $1.2m | 59.3% |
| Douglas County | 39 | 8 | $690k | 72.4% |
| Benton County | 26 | 6 | $720k | — |
| Umatilla County | 26 | 5 | $265k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Spring Eq, LLC originate in Oregon in 2024?
552 loans totalling $53m, from 1,731 applications reported for properties in Oregon.
What is Spring Eq, LLC's denial rate in Oregon?
61.7% of decided applications in Oregon were denied, against 20.6% for all lenders in the state and 64.0% 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 Spring Eq, LLC lend in most?
By originations: Washington County (87), Clackamas County (82), Multnomah County (61), Marion County (55), Lane County (47).
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.