Applications / Mortgage Analytics / Lenders / Oregon / Pacific Residential Mortgage
Lake Oswego, OR · Independent non-bank lender · CFPB · 60 loans in 2025
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60
loans originated, 2025
102
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacific Residential Mortgage, an Oregon lender reporting since 2007, made just 60 loans in 2025, down from 1,121 a year earlier.
Its loans fell 95% in a year, more than any similar lender (independent non-banks making between half and twice as many loans). Their typical change was a fall of 2%, while the whole market grew 10%. At its peak in 2020 it made 4,261 loans. The figures do not say whether it scaled back or reported only part of its year.
Its share fell in every one of its largest markets. In Portland-Vancouver-Hillsboro, its largest market, it went from 0.7% to almost nothing; in Salem it fell from 0.6% to 0.1%. The cause is its own shrinking volume, not a change in those markets.
Of its remaining loans, 35.0% were insured by the Federal Housing Administration, against 6.2% for similar lenders. Purchases made up 83.3% of its lending. On 60 loans, these shares rest on small numbers and say little about where it is heading.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pacific Residential Mortgage took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 16.7%
Conventional 58.3% · FHA 35.0% · VA 6.7% · of 60 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oregon | 32 | 53.3% |
| California | 7 | 11.7% |
| Arizona | 6 | 10.0% |
| Washington | 6 | 10.0% |
| New Mexico | 3 | 5.0% |
| Idaho | 2 | 3.3% |
| Nevada | 2 | 3.3% |
| Texas | 1 | 1.7% |
| Wisconsin | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 21 |
| Medford | 5 |
| Salem | 5 |
| Las Cruces | 3 |
| Phoenix-Mesa-Chandler | 3 |
| Albany | 2 |
| Bend | 2 |
| Lake Havasu City-Kingman | 2 |
| Sacramento-Roseville-Folsom | 2 |
| Austin-Round Rock-San Marcos | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TUQC6OYE8A0Y96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3878330 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7113714032 |
Established date not on record. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Pacific Residential Mortgage's data.
Pacific Residential Mortgage's data
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Pacific Residential Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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