Oregon · HMDA 2025
Mortgage lenders in Josephine County, OR
217 lenders reported 3,188 home-loan applications in Josephine County in 2025. 1,720 closed as loans ($453.2M), 497 were denied — a 21.3% denial rate on decided applications, above the Oregon rate of 19.0%. The three most active lenders handled 23% of applications, led by ROGUE CREDIT UNION. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,188
- Loans originated
- 1,720
- Purchase / refinance
- 855 / 459
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Josephine County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ROGUE CREDIT UNION 67 out of 100, Moderate | 382 | 12.0% | 13.2% |
| 2 | Nations Lending Corporation | 184 | 5.8% | — |
| 3 | FIRST COMMUNITY | 177 | 5.6% | — |
| 4 | GUILD MORTGAGE COMPANY | 170 | 5.3% | — |
| 5 | Rocket Mortgage, LLC | 145 | 4.5% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 134 | 4.2% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 84 | 2.6% | — |
| 8 | NEWREZ LLC | 78 | 2.4% | — |
| 9 | Evergreen Federal Bank 75 out of 100, Strong | 73 | 2.3% | 8.8% |
| 10 | CMG MORTGAGE, INC. | 71 | 2.2% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 70 | 2.2% | — |
| 12 | Mortgage Research Center, LLC | 70 | 2.2% | — |
| 13 | Sunflower Bank, National Association 51 out of 100, Below average | 69 | 2.2% | 5.8% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 58 | 1.8% | 14.1% |
| 15 | First Interstate Bank 62 out of 100, Moderate | 55 | 1.7% | 29.4% |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 52 | 1.6% | 39.5% |
| 17 | Banner Bank 72 out of 100, Strong | 51 | 1.6% | 35.6% |
| 18 | FIGURE LENDING LLC | 49 | 1.5% | — |
| 19 | Umpqua Bank 64 out of 100, Moderate | 46 | 1.4% | 28.5% |
| 20 | FREEDOM MORTGAGE CORPORATION | 38 | 1.2% | — |
| 21 | Loandepot.Com, LLC | 36 | 1.1% | — |
| 22 | SPRING EQ, LLC | 36 | 1.1% | — |
| 23 | DIRECTORS MORTGAGE, INC. | 34 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 32 | 1.0% | — |
| 25 | TWINSTAR | 32 | 1.0% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 31 | 1.0% | — |
| 27 | NATIONS DIRECT MORTGAGE, LLC | 31 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 29 | 0.9% | 3.0% |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 28 | 0.9% | 32.9% |
| 30 | KIND LENDING, LLC | 27 | 0.8% | — |
| 31 | PHH Mortgage Corporation | 22 | 0.7% | — |
| 32 | Discover Bank | 19 | 0.6% | — |
| 33 | GUARANTEED RATE, INC. | 19 | 0.6% | — |
| 34 | AMERICAN PACIFIC MORTGAGE CORPORATION | 19 | 0.6% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 18 | 0.6% | 44.7% |
| 36 | THE LOAN STORE, INC. | 18 | 0.6% | — |
| 37 | Paramount Residential Mortgage Group, Inc. | 18 | 0.6% | — |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 18 | 0.6% | — |
| 39 | GoodLeap, LLC | 18 | 0.6% | — |
| 40 | 21st Mortgage Corporation | 16 | 0.5% | — |
Top 40 of 217 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
- Klamath County 3,132 apps