Lender in Oregon · HMDA 2025
Rate mortgages in Oregon
Rate's 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
Rate originated 828 owner-occupied single-family loans in Oregon from 858 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $6,780 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 6.625% (Oregon: 6.625%).
Loans in OR
828
of 858 applications
Denial rate
1.5%
Purchase · OR 5.7%
Rate spread
+0.17 pts
Conv. · OR +0.12 pts
Loan amount
$445,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 714 | 699 | 1.5% | 6.625% | +0.17 pts | $6,780 | $445,000 |
| Refinance | 88 | 86 | 1.1% | 6.350% | +0.11 pts | $4,950 | $465,000 |
| Cash-out refinance | 56 | 43 | 23.2% | 6.750% | +0.27 pts | $5,790 | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coos County | 3 | 55 | 8.0% |
| Multnomah County | 6 | 316 | 3.7% |
| Deschutes County | 7 | 122 | 3.6% |
| Harney County | 8 | 2 | 3.3% |
| Crook County | 12 | 12 | 2.5% |
| Columbia County | 13 | 10 | 1.5% |
| Clackamas County | 14 | 89 | 1.8% |
| Lake County | 19 | 1 | 2.5% |
| Yamhill County | 20 | 18 | 1.5% |
| Washington County | 22 | 92 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology