Refinancing lenders in Multnomah County
2,219 refinancing mortgages were made in Multnomah County, Oregon, in 2025, by 283 lenders. The median rate their borrowers got was 6.375% on a median loan of $375,000. Of 2,901 decisions, 523 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ONPOINT COMMUNITY CREDIT UNION | 594 | 7.500% | $135,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 199 | 5.999% | $445,000 | 11.9% |
| Rocket Mortgage, LLC | 100 | 5.990% | $455,000 | 23.1% |
| GUILD MORTGAGE COMPANY | 82 | 6.250% | $435,000 | 4.6% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.125% | $455,000 | 4.6% |
| Bank of America, National Association | 48 | 5.990% | $185,000 | 26.2% |
| CMG MORTGAGE, INC. | 47 | 6.500% | $405,000 | 10.0% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.000% | $455,000 | 7.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.125% | $525,000 | 2.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.490% | $485,000 | 2.6% |
| U.S. Bank National Association | 34 | 7.000% | $455,000 | 19.1% |
| Paramount Residential Mortgage Group, Inc. | 34 | 6.125% | $470,000 | 0.0% |
| Umpqua Bank | 29 | 8.250% | $215,000 | 43.4% |
| GUARANTEED RATE, INC. | 27 | 6.125% | $465,000 | 3.6% |
| NEWREZ LLC | 26 | 6.063% | $430,000 | 35.7% |
| JPMorgan Chase Bank, National Association | 25 | 6.125% | $485,000 | 7.1% |
| NATIONS DIRECT MORTGAGE, LLC | 22 | 6.250% | $420,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 21 | 5.990% | $465,000 | 4.6% |
| NATIONSTAR MORTGAGE LLC | 21 | 5.990% | $405,000 | 19.2% |
| MORTGAGE EXPRESS, LLC | 20 | 6.125% | $485,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 19 | 6.375% | $485,000 | 17.4% |
| Consolidated Federal Credit Union | 17 | 4.990% | $155,000 | 5.6% |
| Mortgage Research Center, LLC | 16 | 5.990% | $445,000 | 42.9% |
| BETTER MORTGAGE CORPORATION | 16 | 6.125% | $440,000 | 19.1% |
| Rivermark Community | 16 | 7.740% | $205,000 | 0.0% |
| Broker Solutions, Inc. | 15 | 6.250% | $355,000 | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 6.500% | $435,000 | 6.3% |
| LIMA ONE CAPITAL, LLC | 15 | 9.950% | $1,255,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 5.933% | $440,000 | 60.0% |
| KeyBank National Association | 14 | 8.625% | $310,000 | 44.4% |
| UNION HOME MORTGAGE CORP. | 13 | 6.125% | $625,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $340,000 | 23.5% |
| NBKC BANK | 12 | 6.063% | $490,000 | 14.3% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $140,000 | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.995% | $515,000 | 6.3% |
| PHH Mortgage Corporation | 11 | 5.875% | $515,000 | 14.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.933% | $410,000 | 7.1% |
| SUMMIT MORTGAGE CORPORATION | 10 | 6.490% | $490,000 | 0.0% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| OREGON COMMUNITY | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 28.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DIRECTORS MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SAMMAMISH MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COMMUNITY | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GO MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Heritage Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Unitus Community Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OREGONIANS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Embold Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 80.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| SELCO COMMUNITY | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GESA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Yakima Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Pacific | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CRESTLINE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE FUNDING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROGUE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dayspring Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 83 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.