Mortgage lending in Polk County, Oregon
Lenders in Polk County, Oregon reported 3,302 mortgage applications for 2025, according to the CFPB.
3,302 mortgage applications and 2,021 loans originated in 2025; the denial rate was 20.1% of 2,666 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Salem, OR MSA.
- 3,302
- Applications
- 2,021
- Loans originated
- 20.1%
- Denial rate
- 537 denied of 2,666 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,302 | 2,021 |
| 2024 | 3,038 | 1,842 |
| 2023 | 2,764 | 1,661 |
| 2022 | 4,226 | 2,678 |
| 2021 | 7,795 | 5,203 |
| 2020 | 7,899 | 5,260 |
| 2019 | 5,263 | 3,438 |
| 2018 | 4,558 | 2,810 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Marion & Polk Schools Credit Union | 143 | 194 |
| Rocket Mortgage | 140 | 189 |
| Oregon State Credit Union | 129 | 191 |
| United Wholesale Mortgage | 109 | 143 |
| Guild Mortgage Company | 98 | 146 |
| OnPoint Community Credit Union | 64 | 91 |
| Columbia Bank | 55 | 92 |
| Nations Direct Mortgage, LLC | 45 | 55 |
| Synergy One Lending, Inc. | 44 | 65 |
| First Community Credit Union | 43 | 62 |
| Oregon Community Credit Union | 41 | 58 |
| Pennymac Loan Services LLC | 40 | 65 |
| DHI Mortgage Company, LTD. | 38 | 54 |
| loanDepot.com LLC | 37 | 46 |
| US Bank, N.A. | 37 | 83 |
| Fairway Independent Mort Corp | 33 | 43 |
| Movement Mortgage, LLC | 30 | 37 |
| Plaza Home Mortgage, Inc | 27 | 37 |
| Freedom Mortgage Corporation | 27 | 58 |
| First Technology Federal Credit Union | 26 | 42 |
| Mortgage Research Center | 25 | 54 |
| CMG Mortgage Inc | 25 | 36 |
| Newrez LLC | 23 | 61 |
| Union Home Mortgage Corp. | 23 | 26 |
| Crosscountry Mortgage, LLC | 19 | 34 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 48 | no rate: base under 50 |
| Asian | 61 | 19.6% of 51 decided |
| Black or African American | 59 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,418 | 19.4% of 1,992 decided |
| 2 or more minority races | under 10 | |
| Joint | 99 | 7.1% of 85 decided |
| Race Not Available | 608 | 23.9% of 447 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 262 | 27.4% of 212 decided |
| Not Hispanic or Latino | 2,337 | 18.4% of 1,928 decided |
| Joint | withheld | |
| Ethnicity Not Available | 579 | 24.4% of 430 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 916 | 27.4% of 720 decided |
| Female | 728 | 21.2% of 595 decided |
| Joint | 1,360 | 13.6% of 1,134 decided |
| Sex Not Available | 298 | 27.7% of 217 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. 320 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