Mortgage lending in Josephine County, Oregon
Lenders in Josephine County, Oregon reported 3,002 mortgage applications for 2025, according to the CFPB.
3,002 mortgage applications and 1,720 loans originated in 2025; the denial rate was 21.3% of 2,335 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Grants Pass, OR MSA.
- 3,002
- Applications
- 1,720
- Loans originated
- 21.3%
- Denial rate
- 497 denied of 2,335 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,002 | 1,720 |
| 2024 | 2,762 | 1,562 |
| 2023 | 2,428 | 1,392 |
| 2022 | 3,966 | 2,370 |
| 2021 | 6,994 | 4,552 |
| 2020 | 6,345 | 4,178 |
| 2019 | 4,544 | 2,781 |
| 2018 | 4,026 | 2,420 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rogue Credit Union | 277 | 382 |
| Nations Lending Corporation | 163 | 184 |
| Guild Mortgage Company | 117 | 167 |
| First Community Credit Union | 100 | 177 |
| United Wholesale Mortgage | 92 | 134 |
| Rocket Mortgage | 90 | 144 |
| Evergreen Federal Bank | 53 | 73 |
| Sunflower Bank, N.A. | 48 | 69 |
| CMG Mortgage Inc | 45 | 69 |
| First Interstate Bank | 38 | 55 |
| Crosscountry Mortgage, LLC | 36 | 70 |
| Mortgage Research Center | 27 | 70 |
| Columbia Bank | 27 | 46 |
| Pennymac Loan Services LLC | 27 | 58 |
| Nations Direct Mortgage, LLC | 25 | 31 |
| Banner Bank | 23 | 51 |
| US Bank, N.A. | 21 | 52 |
| loanDepot.com LLC | 18 | 36 |
| Newrez LLC | 18 | 55 |
| Kind Lending, LLC | 18 | 27 |
| Directors Mortgage, Inc | 15 | 34 |
| Navy Federal Credit Union | 14 | 28 |
| Nationstar Mortgage | 13 | 27 |
| Figure Lending LLC | 12 | 26 |
| Peak Credit Union | 12 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 33 | no rate: base under 50 |
| Asian | 20 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | 12 | no rate: base under 50 |
| White | 2,346 | 20.0% of 1,845 decided |
| 2 or more minority races | under 10 | |
| Joint | 79 | 14.3% of 63 decided |
| Race Not Available | 500 | 27.2% of 372 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 118 | 28.4% of 102 decided |
| Not Hispanic or Latino | 2,269 | 19.4% of 1,777 decided |
| Joint | 74 | 22.8% of 57 decided |
| Ethnicity Not Available | 541 | 27.6% of 399 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 822 | 22.8% of 632 decided |
| Female | 646 | 24.1% of 510 decided |
| Joint | 1,237 | 17.4% of 979 decided |
| Sex Not Available | 297 | 28.0% of 214 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. 490 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