BMO Bank in Oregon vs the state
34.1%Denial rate+18.83 pts vs state
44.6%Decision denial rate+25.46 pts vs state
41.9%Origination rate-18.73 pts vs state
7.88%Median rate+1.13 pts vs state
0.80Rate spread (pts)+0.52 pts vs state
$126kMedian applicant income
173Loans originated
141Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 353 | 194 | 27.8% | 7.25% | #77 |
| 2024 | 437 | 181 | 29.5% | 7.38% | #67 |
| 2025 | 413 | 173 | 34.1% | 7.88% | #73 |
What BMO Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 91 | 38 | 28 | 30.8% |
| Washington County | 74 | 31 | 24 | 32.4% |
| Clackamas County | 55 | 28 | 15 | 27.3% |
| Lincoln County | 50 | 14 | 27 | 54.0% |
| Deschutes County | 23 | 14 | 7 | 30.4% |
| Umatilla County | 17 | 7 | 4 | 23.5% |
| Lane County | 15 | 6 | 4 | 26.7% |
| Columbia County | 13 | 6 | 5 | 38.5% |
| Jackson County | 12 | 4 | 3 | 25.0% |
| Wasco County | 11 | 3 | 6 | 54.5% |
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: 413 applications in 2025, of which 173 were originated and 141 denied.
34.1% of all applications, or 44.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans BMO Bank originated in Oregon in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are BMO 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