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MARKET BENCHMARKS · HMDA PUBLIC DATA

Oregon mortgage market benchmarks

Oregon origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

89,385

+14.6% vs 2024

2024: 77,999

Volume 2025

$32.83B

originated $
2024: $27.60B

Denial rate 2025

15.3%

denied / actioned
2024: 16.7% denied / actioned

Reporting lenders 2025

718

HMDA reporters
2024: 700 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$25B$50B$75B$100B20182019202020212022202320242025$32.83B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%9.9%19.8%2018201920202021202220232024202515.3%

Oregon market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
2025718148,58289,385$32.83B2025 origination volume89,385 loans originated15.3%2025 denial rate148,582 applications actioned49.1%41.1%
2024700130,62777,999$27.60B2024 origination volume77,999 loans originated16.7%2024 denial rate130,627 applications actioned53.7%32.6%
2023722121,48972,355$23.90B2023 origination volume72,355 loans originated17.2%2023 denial rate121,489 applications actioned55.1%26.2%
2022788198,153122,178$43.20B2022 origination volume122,178 loans originated14.5%2022 denial rate198,153 applications actioned47.0%49.0%
2021794361,802243,809$80.25B2021 origination volume243,809 loans originated10.0%2021 denial rate361,802 applications actioned30.8%84.0%
2020794369,226246,332$76.22B2020 origination volume246,332 loans originated10.0%2020 denial rate369,226 applications actioned28.2%83.2%
2019732237,098151,440$44.61B2019 origination volume151,440 loans originated13.9%2019 denial rate237,098 applications actioned41.8%64.1%
2018704205,152125,615$33.37B2018 origination volume125,615 loans originated17.0%2018 denial rate205,152 applications actioned49.9%49.6%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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