OREGON COMMUNITY
OREGON COMMUNITY received 2,300 applications in 2025 and made 1,633 mortgages, in 44 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,982 decisions, 279 were denials — 14.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IEP77RKJ87Z176 |
|---|---|
| Applications received | 2,300 |
| Mortgages made | 1,633 |
| Denied | 279 |
| Approved, not taken up | 70 |
| Withdrawn or incomplete | 318 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.34 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 | 251 | 6.750% | $345,000 | 5.7% |
| Refinancing | 421 | 7.500% | $105,000 | 11.0% |
| Cash-out refinancing | 27 | 6.625% | $245,000 | 32.6% |
| Other purposes | 934 | 7.500% | $65,000 | 16.7% |
Where OREGON COMMUNITY lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lane County, OR | 969 | 7.500% | 11.9% |
| Marion County, OR | 169 | 7.500% | 14.1% |
| Multnomah County, OR | 64 | 7.500% | 20.7% |
| Clackamas County, OR | 55 | 7.750% | 20.5% |
| Linn County, OR | 55 | 7.500% | 9.7% |
| Deschutes County, OR | 47 | 7.500% | 12.7% |
| Polk County, OR | 41 | 7.750% | 18.5% |
| Douglas County, OR | 36 | 7.500% | 30.8% |
| Washington County, OR | 36 | 7.500% | 25.0% |
| Benton County, OR | 33 | 7.375% | 7.7% |
| Yamhill County, OR | 20 | 7.750% | 20.7% |
| Lincoln County, OR | 15 | 7.500% | 6.3% |
| Clark County, WA | 11 | 7.500% | 21.4% |
| Coos County, OR | 10 | 7.625% | 16.7% |
| Klamath County, OR | 7 | Under 10 loans | 0.0% |
| King County, WA | 7 | Under 10 loans | 0.0% |
| Crook County, OR | 6 | Under 10 loans | 12.5% |
| Jefferson County, OR | 6 | Under 10 loans | 0.0% |
| Pierce County, WA | 6 | Under 10 loans | 25.0% |
| Josephine County, OR | 5 | Under 10 loans | 16.7% |
| Columbia County, OR | 4 | Under 10 loans | 16.7% |
| Jackson County, OR | 4 | Under 10 loans | 50.0% |
| Wasco County, OR | 3 | Under 10 loans | 0.0% |
| Snohomish County, WA | 3 | Under 10 loans | 0.0% |
| Hood River County, OR | 2 | Under 10 loans | 0.0% |
| Tillamook County, OR | 2 | Under 10 loans | 0.0% |
| Union County, OR | 2 | Under 10 loans | 33.3% |
| Spokane County, WA | 2 | Under 10 loans | 0.0% |
| Whatcom County, WA | 2 | Under 10 loans | 0.0% |
| Lake County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| Chelan County, WA | 1 | Under 10 loans | 0.0% |
| Clallam County, WA | 1 | Under 10 loans | 50.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Klickitat County, WA | 1 | Under 10 loans | 0.0% |
| Lewis County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 0.0% |
| Thurston County, WA | 1 | Under 10 loans | 50.0% |
| Walla Walla County, WA | 1 | Under 10 loans | 50.0% |
| Sherman County, OR | 0 | Under 10 loans | 100.0% |
| Wallowa County, OR | 0 | Under 10 loans | Not published |
| Douglas County, WA | 0 | Under 10 loans | Not published |
| Yakima County, WA | 0 | Under 10 loans | Not published |
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When OREGON COMMUNITY’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.