Oregon · HMDA 2025
Mortgage lenders in Lincoln County, OR
240 lenders reported 2,638 home-loan applications in Lincoln County in 2025. 1,309 closed as loans ($413.9M), 431 were denied — a 23.5% denial rate on decided applications, above the Oregon rate of 19.0%. The three most active lenders handled 16% of applications, led by CROSSCOUNTRY MORTGAGE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,638
- Loans originated
- 1,309
- Purchase / refinance
- 638 / 374
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CROSSCOUNTRY MORTGAGE, INC. | 158 | 6.0% | — |
| 2 | Rocket Mortgage, LLC | 128 | 4.9% | — |
| 3 | Oregon State Credit Union 76 out of 100, Strong | 125 | 4.7% | 14.3% |
| 4 | NEWREZ LLC | 110 | 4.2% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 85 | 3.2% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 85 | 3.2% | 39.5% |
| 7 | FIBRE | 81 | 3.1% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 77 | 2.9% | — |
| 9 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 72 | 2.7% | — |
| 10 | Umpqua Bank 64 out of 100, Moderate | 72 | 2.7% | 28.5% |
| 11 | ONPOINT COMMUNITY CREDIT UNION 83 out of 100, Strong | 66 | 2.5% | 17.5% |
| 12 | GUILD MORTGAGE COMPANY | 58 | 2.2% | — |
| 13 | BMO Bank National Association 83 out of 100, Strong | 50 | 1.9% | 40.5% |
| 14 | Mortgage Research Center, LLC | 44 | 1.7% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.6% | 14.1% |
| 16 | FIGURE LENDING LLC | 36 | 1.4% | — |
| 17 | LPMC, LLC | 35 | 1.3% | — |
| 18 | AmeriSave Mortgage Corporation | 34 | 1.3% | — |
| 19 | Loandepot.Com, LLC | 33 | 1.3% | — |
| 20 | 1st Security Bank of Washington 67 out of 100, Moderate | 31 | 1.2% | 8.1% |
| 21 | FREEDOM MORTGAGE CORPORATION | 31 | 1.2% | — |
| 22 | MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 1.2% | — |
| 23 | PHH Mortgage Corporation | 31 | 1.2% | — |
| 24 | MOVEMENT MORTGAGE, LLC | 28 | 1.1% | — |
| 25 | 21st Mortgage Corporation | 27 | 1.0% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 26 | 1.0% | 32.9% |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 26 | 1.0% | — |
| 28 | UNION HOME MORTGAGE CORP. | 25 | 0.9% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 24 | 0.9% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 24 | 0.9% | — |
| 31 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 22 | 0.8% | 74.7% |
| 32 | CMG MORTGAGE, INC. | 21 | 0.8% | — |
| 33 | Broker Solutions, Inc. | 21 | 0.8% | — |
| 34 | KIND LENDING, LLC | 20 | 0.8% | — |
| 35 | Fairway Independent Mortgage Corporation | 19 | 0.7% | — |
| 36 | Banner Bank 72 out of 100, Strong | 19 | 0.7% | 35.6% |
| 37 | OREGON COMMUNITY | 18 | 0.7% | — |
| 38 | Discover Bank | 16 | 0.6% | — |
| 39 | Sierra Pacific Mortgage Company, Inc. | 16 | 0.6% | — |
| 40 | NATIONS DIRECT MORTGAGE, LLC | 16 | 0.6% | — |
Top 40 of 240 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