Bend Mortgage Lending in 2025
Explore mortgage lending activity in Bend (MSA/MD Code 13460) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.
Credit Decision Outcomes (2025)
Outcomes for 5,429 actionable applications (Actions 1, 2, and 3).
How Bend Compares
Metro vs. State Baseline (2025)
| Metric | Bend | Oregon |
|---|---|---|
| Actionable Apps | 5,429 | 62,997 |
| Approval Rate | 88.65% | 86.94% |
| Denial Rate | 11.35% | 13.06% |
| Originations | 4,615 | 51,912 |
| Originated Volume | $2.31 Billion | $22.17 Billion |
| Median Loan | $445,000 | $395,000 |
Lending Trends in Bend
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 5,818 | 6,895 | +18.51% |
| Actionable Apps | 4,653 | 5,429 | +16.68% |
| Originations | 3,966 | 4,615 | +16.36% |
| Approval Rate | 89.73% | 88.65% | -1.08 pp |
| Denial Rate | 10.27% | 11.35% | +1.08 pp |
| Median Loan | $435,000 | $445,000 | +2.30% |
| Dollar Volume | $1.95 Billion | $2.31 Billion | +18.30% |
Applications by Borrower Income (Bend)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 1,375 | 90.33% | 9.67% |
| $150k+ | 2,072 | 92.91% | 7.09% |
| $50k–$99,999 | 1,458 | 85.80% | 14.20% |
| <$50k | 245 | 62.86% | 37.14% |
| Income unavailable/entity | 279 | 86.38% | 13.62% |
Geographic Market Context
Regional integration within Oregon (2025)
13460, anchored in Oregon (OR).
Parent State Association
Explore Oregon statewide mortgage activity
Bend is part of OpenFileData’s statewide coverage of Oregon. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →