Mortgage lending in Lincoln County, Oregon
Lenders in Lincoln County, Oregon reported 2,412 mortgage applications for 2025, according to the CFPB.
2,412 mortgage applications and 1,309 loans originated in 2025; the denial rate was 23.5% of 1,831 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lincoln County, OR.
- 2,412
- Applications
- 1,309
- Loans originated
- 23.5%
- Denial rate
- 431 denied of 1,831 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,412 | 1,309 |
| 2024 | 2,070 | 1,176 |
| 2023 | 1,982 | 1,058 |
| 2022 | 3,101 | 1,748 |
| 2021 | 5,213 | 3,131 |
| 2020 | 4,653 | 2,740 |
| 2019 | 3,299 | 1,930 |
| 2018 | 2,870 | 1,603 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Crosscountry Mortgage, LLC | 89 | 158 |
| Rocket Mortgage | 88 | 128 |
| Oregon State Credit Union | 69 | 125 |
| United Wholesale Mortgage | 60 | 85 |
| Evergreen Moneysource Mortgage Company | 51 | 72 |
| Fibre Federal Credit Union | 48 | 81 |
| OnPoint Community Credit Union | 43 | 66 |
| Columbia Bank | 40 | 69 |
| Guild Mortgage Company | 34 | 58 |
| US Bank, N.A. | 34 | 83 |
| Newrez LLC | 33 | 65 |
| LPMC, LLC Dba Landmark Profess | 24 | 35 |
| Pennymac Loan Services LLC | 23 | 47 |
| Union Home Mortgage Corp. | 21 | 25 |
| loanDepot.com LLC | 19 | 33 |
| Movement Mortgage, LLC | 19 | 28 |
| Mortgage Research Center | 17 | 44 |
| 1st Security Bank of Washington | 16 | 31 |
| Oregon Community Credit Union | 15 | 18 |
| BMO Harris Bank NA | 14 | 50 |
| Navy Federal Credit Union | 14 | 26 |
| Nationstar Mortgage | 14 | 21 |
| Fairway Independent Mort Corp | 14 | 17 |
| CMG Mortgage Inc | 13 | 17 |
| Mutual of Omaha Mortgage | 13 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 33 | no rate: base under 50 |
| Black or African American | 11 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,791 | 23.0% of 1,375 decided |
| 2 or more minority races | under 10 | |
| Joint | 80 | 12.5% of 56 decided |
| Race Not Available | 451 | 26.1% of 334 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 83 | 34.4% of 61 decided |
| Not Hispanic or Latino | 1,818 | 23.0% of 1,389 decided |
| Joint | 48 | no rate: base under 50 |
| Ethnicity Not Available | 463 | 23.6% of 343 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 636 | 29.1% of 454 decided |
| Female | 546 | 26.2% of 409 decided |
| Joint | 985 | 17.2% of 784 decided |
| Sex Not Available | 245 | 31.0% of 184 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. 366 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