Applications / Mortgage Analytics / Lenders / Oregon / Summit Mortgage
Portland, OR · Independent non-bank lender · CFPB · 463 loans in 2025
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463
loans originated, 2025
673
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Summit Mortgage, an Oregon mortgage company, makes larger loans than most similar lenders and held its volume steady in 2025 while the market grew.
Its typical loan is $425,000, against $325,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), higher than about three in four of them. Conventional loans make up 80.8% of its lending, more than its peers' 70.1%. With a loan count near the middle of the group, its $205.7 million in lending sits a little above the middle.
Purchases account for 75.2% of its loans and refinancing for 14.3%. The remaining 10.6% are home-improvement loans, so it also lends to owners improving homes they already have. Few of its loans are expensive: 0.4% were higher-priced (a rate well above the average for similar loans), against 1.6% at the typical peer.
It made 463 loans in 2025, almost exactly as many as the 465 of 2024, while similar lenders grew 2% and the whole market 10%. Its count has hovered near this level since 2023. That may reflect a steady local business rather than a push for growth.
Portland is its largest market, where it has lent since 2010; it ranks 36th of 566 lenders with 0.8% of the market, down from 0.9%, a small slip that could reflect its flat volume in a year when the whole market grew. It gained in Bend, where its share rose to 0.3%. Its 45 counties sit mainly in Oregon.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Summit Mortgage took 673 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.2% · Refinance 14.3% · Home improvement 10.6%
Conventional 80.8% · FHA 14.3% · VA 4.1% · USDA (RHS or FSA) 0.9% · of 463 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 | 251 | 54.2% |
| Washington | 198 | 42.8% |
| California | 6 | 1.3% |
| Idaho | 4 | 0.9% |
| Colorado | 1 | 0.2% |
| Florida | 1 | 0.2% |
| South Dakota | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 357 |
| Bend | 15 |
| Longview-Kelso | 11 |
| Eugene-Springfield | 9 |
| Spokane-Spokane Valley | 9 |
| Salem | 5 |
| Seattle-Bellevue-Kent | 3 |
| Boise City | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Tacoma-Lakewood | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O2EZG72LO2FX38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4191166 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7931231049 |
Established 22 October 1997. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Summit Mortgage's data.
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