Mid Oregon
Mid Oregon received 803 applications in 2025 and made 555 mortgages, in 18 counties across 5 states. The median rate its borrowers got was 7.990% on a median loan of $105,000. Of 676 decisions, 118 were denials — 17.5%, most often for debt-to-income ratio. 194 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300TEGBOIDI6Z5J56 |
|---|---|
| Applications received | 803 |
| Mortgages made | 555 |
| Denied | 118 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 127 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.79 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 13 | Not published | $245,000 | 16.7% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Cash-out refinancing | 12 | Not published | $245,000 | 45.8% |
| Other purposes | 525 | 7.990% | $105,000 | 16.0% |
Where Mid Oregon lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Deschutes County, OR | 369 | 7.990% | 3.9% |
| Crook County, OR | 82 | 7.990% | 4.7% |
| Jefferson County, OR | 61 | 8.240% | 6.1% |
| Klamath County, OR | 22 | 8.490% | 8.3% |
| Lake County, OR | 2 | Under 10 loans | 33.3% |
| Lane County, OR | 2 | Under 10 loans | 0.0% |
| Linn County, OR | 2 | Under 10 loans | 0.0% |
| Marion County, OR | 2 | Under 10 loans | 0.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Gilliam County, OR | 1 | Under 10 loans | 0.0% |
| Hood River County, OR | 1 | Under 10 loans | 0.0% |
| Malheur County, OR | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Tillamook County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| Wasco County, OR | 1 | Under 10 loans | 50.0% |
| Wheeler County, OR | 1 | Under 10 loans | 0.0% |
| Coos County, OR | 0 | Under 10 loans | 0.0% |
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When Mid Oregon’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.