Charles Schwab Bank in Oregon vs the state
3.8%Denial rate-11.50 pts vs state
3.9%Decision denial rate-15.31 pts vs state
92.4%Origination rate+31.76 pts vs state
5.50%Median rate-1.25 pts vs state
-0.14Rate spread (pts)-0.42 pts vs state
$342kMedian applicant income
97Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 46 | 2.1% | 5.95% | #205 |
| 2024 | 65 | 60 | 6.2% | 6.09% | #184 |
| 2025 | 105 | 97 | 3.8% | 5.50% | #166 |
What Charles Schwab Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Charles Schwab Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 33 | 31 | 1 | 3.0% |
| Multnomah County | 24 | 23 | 1 | 4.2% |
| Washington County | 11 | 10 | 1 | 9.1% |
| Clackamas County | 10 | 10 | 0 | 0.0% |
| Lane County | 7 | 5 | 0 | 0.0% |
| Jackson County | 5 | 5 | 0 | 0.0% |
| Clatsop County | 4 | 3 | 1 | 25.0% |
| Yamhill County | 3 | 2 | 0 | 0.0% |
| Curry County | 2 | 2 | 0 | 0.0% |
| Hood River 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: 105 applications in 2025, of which 97 were originated and 4 denied.
3.8% of all applications, or 3.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Charles Schwab Bank originated in Oregon in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Charles Schwab 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