Axos Bank in Oregon vs the state
31.3%Denial rate+15.94 pts vs state
41.7%Decision denial rate+22.51 pts vs state
43.8%Origination rate-16.87 pts vs state
7.13%Median rate+0.38 pts vs state
0.83Rate spread (pts)+0.55 pts vs state
$150kMedian applicant income
7Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 10 | 32.4% | 6.50% | #231 |
| 2024 | 25 | 9 | 20.0% | 6.63% | #266 |
| 2025 | 16 | 7 | 31.3% | 7.13% | #319 |
What Axos Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 5 | 2 | 2 | 40.0% |
| Washington County | 3 | 1 | 1 | 33.3% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Multnomah County | 2 | 1 | 0 | 0.0% |
| Curry County | 2 | 0 | 2 | 100.0% |
| Clatsop County | 1 | 1 | 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: 16 applications in 2025, of which 7 were originated and 5 denied.
31.3% of all applications, or 41.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Axos Bank originated in Oregon in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Axos Bank'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