Bank of Hillsboro at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.3% deniedPricingmedian rate spread over APOR, weight 30%
74th0.08 ptsProcesswithdrawn + incomplete share, weight 15%
62nd9.2%Closing coststotal loan costs ÷ loan amount, weight 10%
69th1.42% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 263 | 162 | 19.0% | 21.8% | 6.75% | $31M |
| 2024 | 289 | 181 | 17.0% | 19.7% | 7.00% | $38M |
| 2025 | 195 | 127 | 18.5% | 20.3% | 7.00% | $41M |
What Bank of Hillsboro lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 78 investment properties.
Why Bank of Hillsboro denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bank of Hillsboro
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 13 | 42.3% |
| $50k – $100k | 47 | 21 | 39.5% |
| $100k – $150k | 31 | 19 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 16 | 20.0% |
| 35–44 | 25 | 14 | 14.3% |
| 55–64 | 26 | 13 | 41.7% |
Where Bank of Hillsboro lends
4 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bank of Hillsboro denied 20.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
The most common reason Bank of Hillsboro gave in 2025 was "credit history", cited on 41.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bank of Hillsboro originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 24% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.