Oregon’s FHA denial rate in 2025 was 17.7% across 13,246 decisioned applications — ranking #46 of 52 states. Among high-volume lenders, the lowest observed denial rate was Cmg Mortgage Inc at 2.5%; the highest was Lakeview Loan Servicing, LLC at 51.7%. The institutional spread inside Oregon is 20.7×: the same FHA application faces a 2.5% observed denial rate at one high-volume door and 51.7% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Oregon FHA apps | Denial rate |
|---|---|---|
| Cmg Mortgage Inc | 444 | 2.5% |
| Nations Direct Mortgage, LLC | 249 | 4.0% |
| Guild Mortgage Company | 989 | 4.7% |
| Crosscountry Mortgage, LLC | 306 | 4.9% |
| Fairway Independent Mort Corp | 326 | 8.0% |
| Mortgage Express | 302 | 8.6% |
| United Wholesale Mortgage | 1,187 | 18.8% |
| Pennymac Loan Services LLC | 308 | 19.5% |
| Freedom Mortgage Corporation | 429 | 20.7% |
| Mutual Of Omaha Mortgage | 249 | 22.1% |
| Loandepot.Com LLC | 292 | 24.0% |
| Kind Lending, LLC | 258 | 24.8% |
| Rocket Mortgage | 808 | 28.3% |
| Newrez LLC | 358 | 33.8% |
| Lakeview Loan Servicing, LLC | 242 | 51.7% |
Applications under $150K were denied 41.1% of the time versus 15.6% for loans of $250K+ — a 2.6× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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