Bend
Metropolitan Statistical Area · MSA Code 13460
According to CFPB HMDA 2024 application volume among tracked metros, Bend ranks #185 of 418.
Mortgage lending activity in the Bend metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Bend Metropolitan Statistical Area (MSA code 13460) financed its book at an average note rate of 7.36%. 20 major lenders are tracked for this metro - Mid Oregon Federal Credit Union, OnPoint Community Credit Union, United Wholesale Mortgage lead by origination volume. Among the 418 metros tracked, Bend sits in the 90th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Bend denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 13.0% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $373,267 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Bend
In Bend, lead originator Mid Oregon Federal Credit Union funded only 8.3% of 7,159 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 20.1% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Bend's 13.0% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Bend's 12,385 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Bend's $373,267 average loan (deduped against denial and volume peers).
Lenders active in the Bend metro
Mid Oregon Federal Credit Union funded 593 of the 7,159 loans originated here, 8.3% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Mid Oregon Federal Credit Union | 593 | 812 | $153,313 | 8.3% |
| 2 | OnPoint Community Credit Union | 454 | 669 | $226,450 | 6.3% |
| 3 | United Wholesale Mortgage | 391 | 485 | $483,495 | 5.5% |
| 4 | Selco Community Credit Union | 351 | 576 | $125,642 | 4.9% |
| 5 | Guild Mortgage Company | 328 | 497 | $404,195 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Bend metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Bend borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.