Mortgage Approval and Denial Rates in Oregon (2025 HMDA)
Mortgage denial rates in Oregon: lenders acted on 146,596 mortgage applications in Oregon in 2025 and denied 15.2% of them, down from 16.6% in 2024. The national denial rate was 17.7%.
Applications acted on
146,596
Loans originated
89,073
Denial rate
15.2%
Median loan
$275,000
Oregon against the national picture
Most-reported denial reason in Oregon: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Harney County | 214 | 22.4% | $145,000 |
| Douglas County | 3,884 | 19.1% | $225,000 |
| Wasco County | 894 | 18.9% | $255,000 |
| Wallowa County | 284 | 18.7% | $205,000 |
| Coos County | 2,530 | 18.6% | $215,000 |
| Grant County | 184 | 18.5% | $205,000 |
| Malheur County | 843 | 18.4% | $195,000 |
| Lincoln County | 2,411 | 17.9% | $265,000 |
| Union County | 886 | 17.8% | $205,000 |
| Curry County | 844 | 17.8% | $220,000 |
| Klamath County | 2,807 | 17.7% | $205,000 |
| Clatsop County | 1,729 | 17.6% | $305,000 |
| Lake County | 210 | 17.6% | $150,000 |
| Baker County | 641 | 17.2% | $205,000 |
| Yamhill County | 3,967 | 16.8% | $285,000 |
| Umatilla County | 2,678 | 16.8% | $225,000 |
| Josephine County | 3,001 | 16.6% | $255,000 |
| Morrow County | 419 | 16.5% | $235,000 |
| Polk County | 3,301 | 16.3% | $275,000 |
| Marion County | 11,406 | 15.9% | $265,000 |
| Lane County | 12,812 | 15.7% | $255,000 |
| Columbia County | 2,123 | 15.4% | $265,000 |
| Jefferson County | 1,048 | 15.4% | $265,000 |
| Clackamas County | 15,931 | 15.2% | $315,000 |
| Hood River County | 664 | 15.2% | $345,000 |
| Linn County | 4,830 | 14.9% | $255,000 |
| Tillamook County | 1,363 | 14.7% | $275,000 |
| Jackson County | 7,884 | 14.6% | $275,000 |
| Multnomah County | 23,671 | 14.3% | $315,000 |
| Deschutes County | 10,208 | 13.7% | $355,000 |
| Washington County | 19,097 | 13.2% | $345,000 |
| Crook County | 1,435 | 13.2% | $305,000 |
| Benton County | 2,225 | 11.5% | $275,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.