Banner Bank in Oregon vs the state
28.4%Denial rate+13.13 pts vs state
33.2%Decision denial rate+14.01 pts vs state
54.7%Origination rate-5.96 pts vs state
6.88%Median rate+0.13 pts vs state
0.23Rate spread (pts)-0.05 pts vs state
$112kMedian applicant income
786Loans originated
409Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,302 | 675 | 33.3% | 7.56% | #21 |
| 2024 | 1,360 | 733 | 29.9% | 8.00% | #24 |
| 2025 | 1,438 | 786 | 28.4% | 6.88% | #26 |
What Banner Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Banner Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 238 | 134 | 58 | 24.4% |
| Coos County | 146 | 92 | 34 | 23.3% |
| Jackson County | 141 | 71 | 43 | 30.5% |
| Multnomah County | 113 | 52 | 38 | 33.6% |
| Umatilla County | 107 | 63 | 34 | 31.8% |
| Washington County | 105 | 58 | 33 | 31.4% |
| Clackamas County | 101 | 53 | 31 | 30.7% |
| Douglas County | 86 | 45 | 28 | 32.6% |
| Baker County | 65 | 39 | 15 | 23.1% |
| Union County | 56 | 30 | 15 | 26.8% |
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: 1,438 applications in 2025, of which 786 were originated and 409 denied.
28.4% of all applications, or 33.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Banner Bank originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Banner 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