Oregon · HMDA 2025
Mortgage lenders in Baker County, OR
121 lenders reported 714 home-loan applications in Baker County in 2025. 344 closed as loans ($83.8M), 110 were denied — a 23.2% denial rate on decided applications, above the Oregon rate of 19.0%. The three most active lenders handled 22% of applications, led by Banner Bank. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 714
- Loans originated
- 344
- Purchase / refinance
- 162 / 126
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Baker County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Banner Bank 72 out of 100, Strong | 65 | 9.1% | 35.6% |
| 2 | Umpqua Bank 64 out of 100, Moderate | 47 | 6.6% | 28.5% |
| 3 | Rocket Mortgage, LLC | 46 | 6.4% | — |
| 4 | ALAMEDA MORTGAGE CORPORATION | 45 | 6.3% | — |
| 5 | NEWREZ LLC | 40 | 5.6% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 5.5% | 39.5% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 4.3% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 25 | 3.5% | — |
| 9 | Synergy One Lending, Inc. | 24 | 3.4% | — |
| 10 | Mortgage Research Center, LLC | 19 | 2.7% | — |
| 11 | Loandepot.Com, LLC | 15 | 2.1% | — |
| 12 | Broker Solutions, Inc. | 15 | 2.1% | — |
| 13 | AmeriSave Mortgage Corporation | 15 | 2.1% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 2.0% | 14.1% |
| 15 | FIGURE LENDING LLC | 14 | 2.0% | — |
| 16 | Kiavi Funding, Inc. | 13 | 1.8% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 12 | 1.7% | — |
| 18 | SPOKANE TEACHERS | 10 | 1.4% | — |
| 19 | AgWest Farm Credit, FLCA | 9 | 1.3% | — |
| 20 | MUTUAL OF OMAHA MORTGAGE, INC. | 9 | 1.3% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.1% | — |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 8 | 1.1% | — |
| 23 | Fairway Independent Mortgage Corporation | 7 | 1.0% | — |
| 24 | ONPOINT COMMUNITY CREDIT UNION 83 out of 100, Strong | 7 | 1.0% | 17.5% |
| 25 | ROGUE CREDIT UNION 67 out of 100, Moderate | 7 | 1.0% | 13.2% |
| 26 | NEW DAY FINANCIAL, LLC | 7 | 1.0% | — |
| 27 | SPRING EQ, LLC | 6 | 0.8% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 6 | 0.8% | — |
| 29 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 5 | 0.7% | 17.8% |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | 0.7% | — |
| 31 | PHH Mortgage Corporation | 5 | 0.7% | — |
| 32 | GUILD MORTGAGE COMPANY | 4 | 0.6% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.6% | — |
| 34 | PLANET HOME LENDING, LLC | 4 | 0.6% | — |
| 35 | LAND HOME FINANCIAL SERVICES, INC. | 4 | 0.6% | — |
| 36 | Valon Mortgage, Inc. | 4 | 0.6% | — |
| 37 | CMG MORTGAGE, INC. | 3 | 0.4% | — |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.4% | 32.5% |
| 39 | The Federal Savings Bank 51 out of 100, Below average | 3 | 0.4% | 19.1% |
| 40 | Prosperity Home Mortgage, LLC | 3 | 0.4% | — |
Top 40 of 121 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Oregon
- Multnomah County 26,213 apps
- Washington County 21,720 apps
- Clackamas County 17,744 apps
- Lane County 14,083 apps
- Marion County 12,770 apps
- Deschutes County 11,414 apps
- Jackson County 8,570 apps
- Linn County 5,449 apps
- Yamhill County 4,481 apps
- Douglas County 4,368 apps
- Polk County 3,688 apps
- Josephine County 3,188 apps