Lender Register

States › Oregon

Oregon mortgage lending

Every HMDA reporter's applications, originations and denial rate for properties in Oregon, with all 36 counties.

Lenders, 25+ applications 269
Households 1,718,422
Population 4,272,371

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. Record year 2024.

Oregon had 130,187 HMDA-reported mortgage applications and 78,153 originations ($28bn) in 2024, from 269 lenders with at least 25 applications in the state.

The statewide denial rate was 20.6% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 45.5 per 1,000 households, against 48.0 nationally.

Originations in the state went from 125,882 in 2018 to 78,153 in 2024; the denial rate moved from 21.0% to 20.6%.

The most active lenders by originations were OnPoint Community Credit Union (6,540), United Wholesale Mortgage (4,231) and Guild Mortgage Company (3,813).

130,187applications, 2024
78,153loans originated$28bn
20.6%denial rateUS 24.3%
45.5originations per 1,000 householdsUS 48.0

Most active lenders in Oregon

#LenderApplicationsOriginationsAmountDenial rateMedian spread
1OnPoint Community Credit Union9,4956,540$1.3bn18.6%0.3
2United Wholesale Mortgage5,4744,231$1.8bn10.9%0.1
3Guild Mortgage Company5,4443,813$1.4bn3.3%0.3
4Rocket Mortgage4,9753,723$1.1bn17.2%0.4
5Us Bank, N.A.4,8872,438$704m39.5%0.8
6Umpqua Bank3,0241,925$584m21.5%1.2
7Rogue Credit Union2,6251,717$289m15.0%0.4
8CMG Mortgage Inc1,9811,406$576m4.3%0.2
9First Technology Credit Union2,0631,360$330m17.6%0.6
10Oregon Community Credit Union1,9771,360$167m18.3%0.5
11Nations Direct Mortgage, LLC1,5391,290$566m1.8%0.2
12Newrez LLC2,3061,238$476m18.5%0.3
13Selco Community Credit Union2,0481,216$158m28.7%0.1
14Crosscountry Mortgage, LLC1,8351,179$488m1.7%0.5
15Loandepot.com, LLC1,9141,150$375m20.9%0.5
16Fairway Independent Mort Corp1,5771,120$437m5.3%0.4
17Pennymac Loan Services LLC1,789993$354m17.7%0.4
18First Community Credit Union1,527989$208m17.2%-1.5
19Mortgage Express1,344969$408m3.7%0.4
20Rivermark Community Credit Union1,681964$178m24.2%0.6
21Bank of America NA2,136868$251m42.5%1.4
22Summit Funding.Inc1,059823$302m4.5%0.4
23Movement Mortgage, LLC1,063736$284m4.7%0.5
24Banner Bank1,360733$231m34.3%0.8
25Directors Mortgage, Inc.1,015714$298m3.1%—
26Mortgage Research Center1,491713$278m25.0%-0.2
27Oregon State Credit Union1,022701$126m12.9%0.3
28American Pacific Mortgage Corporation903684$261m4.9%0.5
29Marion & Polk Schools Credit Union955677$114m13.8%0.1
30Lennar Mortgage, LLC982666$282m7.9%-0.4
31Figure Lending LLC1,329657$52m28.8%3.8
32The Loan Store, Inc908645$245m8.7%0.3
33Mid Oregon Federal Credit Union891625$98m15.7%0.9
34JPMorgan Chase Bank, NA984610$417m12.7%0.1
35Guaranteed Rate, Inc.930598$264m7.9%0.2
36Freedom Mortgage Corporation1,224595$229m16.7%0.1
37Kind Lending, LLC802567$222m20.5%0.2
38Spring Eq, LLC1,731552$53m61.7%3.8
39Twinstar Credit Union998549$95m32.8%0.9
40Navy Federal Credit Union998504$131m28.4%0.5
41Unitus Community Credit Union989500$90m37.1%0.1
42Evergreen Moneysource Mortgage Company692489$185m4.2%0.6
43Nationstar Mortgage771486$98m18.9%3.2
44Flagstar Bank NA688460$154m20.4%0.3
45DHI Mortgage Company, LTD.536452$183m5.4%-1.0
46Pacific Residential Mortgage, LLC603439$184m1.7%0.4
47New American Funding, LLC.1,104428$141m22.1%0.7
48Union Home Mortgage Corp.551410$175m3.2%0.4
49Sierra Pacific Mortgage Co. Inc551408$143m12.6%0.1
50Wells Fargo Bank NA824406$271m27.1%0.0
51Keybank National Association775386$133m38.2%0.3
52Provident Funding Associates592386$186m6.8%-0.1
53Synergy One Lending, Inc.511378$148m7.5%0.4
54Plaza Home Mortgage, Inc538376$142m17.2%0.2
55Oregonians Credit Union548369$36m19.2%-2.6
56Discover Bank2,204368$35m74.8%2.2
57Triad Financial Services, Inc.1,287357$42m34.9%2.9
58Mutual of Omaha Mortgage556343$111m21.8%0.4
59Nations Lending Corporation350289$101m2.1%0.2
60Churchill Mortgage Corporation408270$97m8.4%0.5

Top 60 of 269 lenders with at least 25 applications in the state, by originations. 157 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

MeasureOregonUnited States
Denial rate20.6%24.3%
Median rate spread, pp0.40.3
Originations with spread of 1.5 pp or more16.0%15.6%
Average originated loan$354k$329k
Originations per 1,000 households45.548.0
Home purchase share of originations53.8%57.0%
FHA-insured share11.9%13.4%
VA-guaranteed share6.7%7.9%

Trend, 2018–2024

ApplicationsOriginations

0184,422368,8442018: 204,917 Applications2019: 237,136 Applications2020: 368,844 Applications2021: 361,852 Applications2022: 196,839 Applications2023: 121,714 Applications2024: 130,187 Applications2018: 125,882 Originations2019: 151,646 Originations2020: 246,796 Originations2021: 244,795 Originations2022: 122,182 Originations2023: 72,662 Originations2024: 78,153 Originations2018201920202021202220232024
Applications and originations in Oregon by year

OregonUnited States

0%12.7%25.3%2018: 21% Oregon2019: 17.3% Oregon2020: 12.7% Oregon2021: 12.6% Oregon2022: 18.4% Oregon2023: 21.7% Oregon2024: 20.6% Oregon2018201920202021202220232024
Denial rate by year, US dashed

FHA share of originationsVA share

0%6.0%11.9%2018: 9.8% FHA share of originations2019: 9.6% FHA share of originations2020: 6.6% FHA share of originations2021: 6.2% FHA share of originations2022: 7.8% FHA share of originations2023: 10.8% FHA share of originations2024: 11.9% FHA share of originations2018: 7.3% VA share2019: 9.6% VA share2020: 9.2% VA share2021: 7.8% VA share2022: 5.6% VA share2023: 5% VA share2024: 6.7% VA share2018201920202021202220232024
FHA-insured and VA-guaranteed shares of originations in Oregon by year
YearApplicationsOriginationsAmountDenial rateFHAVARefinance share
2018204,917125,882$33bn21.0%9.8%7.3%31.0%
2019237,136151,646$45bn17.3%9.6%9.6%43.9%
2020368,844246,796$76bn12.7%6.6%9.2%64.6%
2021361,852244,795$81bn12.6%6.2%7.8%60.8%
2022196,839122,182$43bn18.4%7.8%5.6%30.3%
2023121,71472,662$24bn21.7%10.8%5.0%16.5%
2024130,18778,153$28bn20.6%11.9%6.7%21.6%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 54% (42,014)Home improvement 13% (10,457)Refinancing 11% (8,266)Cash-out refinancing 11% (8,607)Other purpose 11% (8,794)

By type

Conventional 81% (63,411)FHA 12% (9,284)VA 7% (5,231)USDA 0% (227)

Counties

CountyApplicationsOriginationsPer 1,000 householdsDenial rateMedian spreadLenders
Multnomah County20,87912,75436.519.3%0.3114
Washington County17,69011,09447.117.9%0.3105
Clackamas County14,1248,37051.121.9%0.492
Lane County10,9946,67041.620.7%0.364
Marion County10,2145,91946.721.8%0.473
Deschutes County9,1165,90769.517.2%0.368
Jackson County6,8324,11844.719.7%0.449
Linn County4,2402,47048.722.3%0.548
Yamhill County3,4822,11954.021.1%0.438
Douglas County3,5111,97341.524.1%0.334
Polk County3,0381,84255.820.1%0.437
Josephine County2,7621,56242.522.4%0.427
Coos County2,4021,35647.224.4%0.319
Umatilla County2,3021,35647.223.3%0.425
Klamath County2,3481,34746.423.3%0.423
Benton County2,0021,29033.516.7%0.420
Lincoln County2,0701,17650.921.8%0.620
Columbia County1,7771,05550.421.9%0.417
Clatsop County1,55287048.425.2%0.515
Crook County1,18873267.918.4%0.411
Tillamook County1,17671059.521.5%0.58
Jefferson County88052459.519.5%0.49
Wasco County75539937.827.9%0.58
Curry County71737433.524.3%0.44
Union County63035432.523.8%0.55
Malheur County67635334.328.4%0.56
Hood River County55431735.520.6%0.34
Baker County55428739.027.5%0.55
Morrow County28918442.524.6%0.40
Wallowa County24412637.229.1%0.41
Harney County20711436.426.5%0.40
Lake County19310630.526.3%0.50
Grant County16510129.319.5%0.50
Gilliam County482832.014.7%0.60
Sherman County472328.621.2%—0
Wheeler County28912.8——0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Oregon originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Oregon?

By 2024 originations: OnPoint Community Credit Union (6,540), United Wholesale Mortgage (4,231), Guild Mortgage Company (3,813), Rocket Mortgage (3,723), Us Bank, N.A. (2,438). 269 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Oregon?

20.6% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Oregon changed since 2018?

Originations went from 125,882 in 2018 to 78,153 in 2024; the denial rate moved from 21.0% to 20.6%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.