1st Security Bank of Washington in Oregon vs the state
12.8%Denial rate-2.53 pts vs state
18.3%Decision denial rate-0.91 pts vs state
55.0%Origination rate-5.62 pts vs state
7.13%Median rate+0.38 pts vs state
0.73Rate spread (pts)+0.45 pts vs state
$119kMedian applicant income
99Loans originated
23Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 88 | 9.3% | 7.50% | #126 |
| 2024 | 165 | 104 | 11.5% | 7.63% | #118 |
| 2025 | 180 | 99 | 12.8% | 7.13% | #124 |
What 1st Security Bank of Washington lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most 1st Security Bank of Washington applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 31 | 16 | 7 | 22.6% |
| Tillamook County | 23 | 8 | 6 | 26.1% |
| Umatilla County | 19 | 18 | 1 | 5.3% |
| Clackamas County | 15 | 10 | 1 | 6.7% |
| Washington County | 13 | 7 | 0 | 0.0% |
| Multnomah County | 9 | 6 | 0 | 0.0% |
| Lane County | 9 | 4 | 1 | 11.1% |
| Malheur County | 8 | 2 | 3 | 37.5% |
| Deschutes County | 8 | 5 | 0 | 0.0% |
| Morrow County | 5 | 4 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 180 applications in 2025, of which 99 were originated and 23 denied.
12.8% of all applications, or 18.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans 1st Security Bank of Washington originated in Oregon in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are 1st Security Bank of Washington's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology