Independent research · Oregon · statewide only
Oregon Mortgage Lending Intelligence
This page publishes 2025 HMDA activity for properties in Oregon and existing FDIC depository context. Current DFR mortgage-company licensing is search-only through DFR License Look Up and NMLS Consumer Access. An HMDA application is not a lender. An FDIC-insured bank is not a DFR mortgage banker. This is not a ranking, recommendation, or Trust Score.
No Portland, Multnomah County, or other local Oregon lender pages are published from this statewide page.
Snapshot lender-or-state-intel-v1 · fingerprint 8e67c1dced6a · HMDA vintage HMDA 2025 · FDIC overlay as of 2026-06-26. Original retrieval instants for those reused artifacts are not recorded. Page generated 2026-09-16T23:32:20Z is not a source retrieval date.
Snapshot metrics
146,902
HMDA 2025 Oregon applications
Property geography. Not lenders and not current licenses.
89,073
HMDA 2025 Oregon originations
Originations are not a company count.
14
FDIC Oregon depositories
Supporting context. Bank ≠ DFR mortgage banker.
36
Oregon counties in the HMDA slice
County rows are not county pages.
HMDA 2025 Oregon
146,902 applications, 89,073 originations, 22,290 denials as 15.17% of 146,902 total applications (numerator 22,290 denial observations ÷ denominator 146,902 total HMDA applications; not a decision-based denial rate and not lender quality). Purchase 62,284, refinance 46,456, other purpose 38,162. Conventional 117,653, FHA 17,334, VA 11,502, USDA/other 413. Mix bars are application shares, not quality.
Current Oregon mortgage-company licensing
No bulk current DFR mortgage-company roster was acquired. Search-only is not zero. Do not infer a company census from HMDA rows or from 14 FDIC depositories. DFR mortgage lender licensing
Oregon mortgage loan originators
Individual MLOs are a person grain. No bulk Oregon MLO roster was acquired. Search-only is not zero people. An MLO is not a mortgage company. Verify on NMLS Consumer Access.
Oregon mortgage servicers
Oregon residential mortgage servicing is a separate license from origination. No bulk servicer roster was acquired. Search-only is not zero. DFR mortgage servicer licensing
Oregon DFR mortgage administrative orders
10 DFR document rows with source-native business type Mortgage (10 distinct case numbers). A document is not a unique matter. Name-only attachment is unsafe. This is not an IA/securities mix and not a quality score. DFR Notices and orders
OHCS Flex Lending approved lenders
23 OHCS-published approved Flex Lending participants. Program participation is not a statewide DFR/NMLS license census. OHCS “featured” or “top-producing” labels are OHCS program designations, not LenderTrustHub rankings. Names were not merged onto NMLS identities. OHCS Flex Lending approved lenders
CFPB Oregon mortgage complaints
Statewide bulk count is SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY. Missing is not zero. A complaint is not a violation. CFPB Consumer Complaint Database
What these numbers do not mean
- HMDA application ≠ lender. Property geography ≠ headquarters, license jurisdiction, or service territory.
- HMDA reporting LEI ≠ Oregon DFR/NMLS license. Distinct HMDA institutions are not licensed Oregon lenders.
- FDIC CERT ≠ DFR mortgage license. Depository ≠ mortgage banker.
- OHCS Flex Lending approval ≠ Oregon mortgage-license universe.
- MLO ≠ company. Servicer license ≠ origination license.
- Search-only and missing evidence is not zero. A complaint is not an order.
- No Trust Score, paid ranking, or best/safest/vetted conclusions.
- Pre-existing generic local-lenders catalog routes are not Oregon local intelligence from this ticket.