Oregon Mortgage Lending in 2025
Explore residential mortgage lending activity in Oregon using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 62,997 actionable applications (Actions 1, 2, and 3).
How Oregon Compares
Key metrics: Oregon vs. U.S. (2025)
| Metric | Oregon | U.S. |
|---|---|---|
| Actionable Apps | 62,997 | 5,197,320 |
| Approval Rate | 86.94% | 82.12% |
| Denial Rate | 13.06% | 17.88% |
| Originations | 51,912 | 4,052,301 |
| Originated Volume | $22.17 Billion | $1.58 Trillion |
| Median Loan | $395,000 | $325,000 |
Lending Trends in Oregon
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 71,842 | 81,746 | +13.79% |
| Actionable Apps | 56,432 | 62,997 | +11.63% |
| Originations | 46,134 | 51,912 | +12.52% |
| Approval Rate | 87.00% | 86.94% | -0.06 pp |
| Denial Rate | 13.00% | 13.06% | +0.06 pp |
| Median Loan | $395,000 | $395,000 | 0.00% |
| Dollar Volume | $19.34 Billion | $22.17 Billion | +14.65% |
Applications by Borrower Income (Oregon)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 16,695 | 90.82% | 9.18% |
| $150k+ | 19,331 | 93.10% | 6.90% |
| $50k–$99,999 | 19,474 | 83.59% | 16.41% |
| <$50k | 3,724 | 58.16% | 41.84% |
| Income unavailable/entity | 3,773 | 83.94% | 16.06% |
Metropolitan Areas in Oregon
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Portland-Vancouver-Hillsboro | 36,722 | 31,101 | 88.90% |
| Salem | 6,331 | 5,023 | 84.13% |
| Bend | 5,429 | 4,615 | 88.65% |
| Eugene-Springfield | 5,303 | 4,340 | 86.99% |
| Medford | 3,431 | 2,814 | 87.23% |
| Albany | 2,260 | 1,765 | 85.13% |
| Grants Pass | 1,310 | 1,028 | 84.35% |
| Corvallis | 913 | 761 | 90.14% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Oregon (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 4,422 | 89.19% |
| 2 | GUILD MORTGAGE COMPANY | 3,539 | 97.65% |
| 3 | ROCKET MORTGAGE | 2,989 | 81.40% |
| 4 | OnPoint Community Credit Union | 2,082 | 95.78% |
| 5 | CMG MORTGAGE INC | 1,639 | 98.16% |
| 6 | NATIONS DIRECT MORTGAGE, LLC | 1,304 | 98.49% |
| 7 | CROSSCOUNTRY MORTGAGE, LLC | 1,231 | 97.25% |
| 8 | MORTGAGE EXPRESS | 1,013 | 95.78% |
| 9 | NEWREZ LLC | 976 | 79.42% |
| 10 | FAIRWAY INDEPENDENT MORT CORP | 924 | 93.57% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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