Bank of America in Oregon vs the state
26.6%Denial rate+11.31 pts vs state
37.3%Decision denial rate+18.10 pts vs state
43.7%Origination rate-16.92 pts vs state
6.24%Median rate-0.51 pts vs state
1.20Rate spread (pts)+0.92 pts vs state
$131kMedian applicant income
1,044Loans originated
636Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,608 | 1,066 | 43.4% | 6.99% | #8 |
| 2024 | 2,136 | 868 | 31.7% | 6.99% | #10 |
| 2025 | 2,389 | 1,044 | 26.6% | 6.24% | #11 |
What Bank of America lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 542 | 242 | 133 | 24.5% |
| Washington County | 536 | 250 | 137 | 25.6% |
| Clackamas County | 498 | 224 | 139 | 27.9% |
| Deschutes County | 211 | 117 | 44 | 20.9% |
| Marion County | 121 | 40 | 41 | 33.9% |
| Lane County | 108 | 35 | 37 | 34.3% |
| Polk County | 46 | 19 | 9 | 19.6% |
| Yamhill County | 41 | 18 | 13 | 31.7% |
| Benton County | 36 | 21 | 2 | 5.6% |
| Jackson County | 35 | 15 | 7 | 20.0% |
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: 2,389 applications in 2025, of which 1,044 were originated and 636 denied.
26.6% of all applications, or 37.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Bank of America originated in Oregon in 2025 was 6.24%, against a statewide median of 6.75%.
About this data. Figures are Bank of America'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