Mortgage lending in Deschutes County, Oregon
Lenders in Deschutes County, Oregon reported 10,208 mortgage applications for 2025, according to the CFPB.
10,208 mortgage applications and 6,684 loans originated in 2025; the denial rate was 16.5% of 8,431 applications decided. The median loan was about $375,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bend-Redmond, OR HUD Metro FMR Area.
- 10,208
- Applications
- 6,684
- Loans originated
- 16.5%
- Denial rate
- 1,395 denied of 8,431 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,208 | 6,684 |
| 2024 | 9,116 | 5,907 |
| 2023 | 8,397 | 5,314 |
| 2022 | 13,230 | 8,862 |
| 2021 | 25,161 | 17,796 |
| 2020 | 26,491 | 18,553 |
| 2019 | 15,927 | 10,793 |
| 2018 | 12,928 | 8,768 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| OnPoint Community Credit Union | 466 | 673 |
| Mid Oregon Federal Credit Union | 369 | 405 |
| Rocket Mortgage | 349 | 445 |
| United Wholesale Mortgage | 312 | 409 |
| Selco Community Credit Union | 298 | 496 |
| Guild Mortgage Company | 239 | 377 |
| The Loan Store, Inc | 232 | 270 |
| US Bank, N.A. | 207 | 375 |
| CMG Mortgage Inc | 202 | 265 |
| loanDepot.com LLC | 192 | 254 |
| Columbia Bank | 187 | 244 |
| Guaranteed Rate, Inc. | 152 | 220 |
| Kind Lending, LLC | 150 | 204 |
| Crosscountry Mortgage, LLC | 144 | 194 |
| Pennymac Loan Services LLC | 124 | 183 |
| First Interstate Bank | 122 | 206 |
| Bank of America NA | 117 | 211 |
| First Community Credit Union | 99 | 140 |
| Newrez LLC | 90 | 197 |
| Movement Mortgage, LLC | 83 | 121 |
| Fairway Independent Mort Corp | 82 | 103 |
| DHI Mortgage Company, LTD. | 79 | 126 |
| Nations Direct Mortgage, LLC | 77 | 92 |
| JPMorgan Chase Bank, NA | 62 | 102 |
| Paramount Residential Mortgage | 61 | 83 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 65 | no rate: base under 50 |
| Asian | 161 | 20.3% of 128 decided |
| Black or African American | 32 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | 18 | no rate: base under 50 |
| White | 8,011 | 15.7% of 6,707 decided |
| 2 or more minority races | withheld | |
| Joint | 286 | 14.1% of 242 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,618 | 20.4% of 1,250 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 361 | 22.8% of 294 decided |
| Not Hispanic or Latino | 7,908 | 15.8% of 6,617 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,664 | 19.6% of 1,289 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,803 | 22.0% of 2,299 decided |
| Female | 1,937 | 16.9% of 1,608 decided |
| Joint | 4,582 | 12.2% of 3,861 decided |
| Sex Not Available | 886 | 22.5% of 663 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 115 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved