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refinance lenders · HMDA 2023–2025

Refinance lenders in Deschutes County, Oregon

Fat Boy Data analyzed mortgage refinance activity in Deschutes County, Oregon, home to Bend, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,243 applications were decided by 176 lenders between 2023 and 2025.

Deschutes County at a glance

176Active lenders26 with 20+ decisions
80.3%Market approval rate1,802 of 2,243 decided
$335KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,700 loans funded

How Deschutes County compares

Approval rate compared
Deschutes County80.3%Oregon80.3%All 616 counties76.5%
Typical loan compared
Deschutes County$335KOregon$275KAll 616 counties$295K

What the data shows

Onpoint Community Credit Union made the most mortgage refinances in Deschutes County, OR, 233 of them.

Guild Mortgage Company LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 38.

The typical mortgage refinance here is $335K, 22% larger than the Oregon typical of $275K.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%One lender: 42% approved of 33One lender: 43% approved of 21One lender: 53% approved of 53One lender: 64% approved of 28One lender: 70% approved of 54One lender: 71% approved of 70First Interstate Bank: 72% approved of 120One lender: 74% approved of 31One lender: 77% approved of 26Selco Community: 79% approved of 124One lender: 79% approved of 53Onpoint Community Credit Union: 79% approved of 314One lender: 83% approved of 60Rocket Mortgage, LLC: 85% approved of 102One lender: 85% approved of 34One lender: 86% approved of 21One lender: 87% approved of 47United Wholesale Mortgage, LLC: 88% approved of 171One lender: 89% approved of 45One lender: 89% approved of 37One lender: 91% approved of 54One lender: 92% approved of 39One lender: 94% approved of 36One lender: 96% approved of 27One lender: 96% approved of 28One lender: 97% approved of 38

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Deschutes County

LenderApprovalApprovedTaken upTypical loanLoans made
1Onpoint Community Credit Union79%249 / 31494%$125K233
2United Wholesale Mortgage, LLCBroker only88%150 / 17197%$475K145
3Selco Community79%98 / 12491%$155K89
4First Interstate Bank72%86 / 12099%$205K85
5Rocket Mortgage, LLC85%87 / 10297%$515K84

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 171 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Deschutes County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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