Citibank in Oregon vs the state
14.8%Denial rate-0.53 pts vs state
25.4%Decision denial rate+6.21 pts vs state
43.5%Origination rate-17.14 pts vs state
5.88%Median rate-0.88 pts vs state
-0.23Rate spread (pts)-0.51 pts vs state
$210kMedian applicant income
50Loans originated
17Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 62 | 4.2% | 6.13% | #149 |
| 2024 | 107 | 43 | 19.6% | 6.45% | #156 |
| 2025 | 115 | 50 | 14.8% | 5.88% | #159 |
What Citibank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 31 | 11 | 4 | 12.9% |
| Washington County | 23 | 11 | 3 | 13.0% |
| Clackamas County | 19 | 10 | 2 | 10.5% |
| Deschutes County | 11 | 7 | 0 | 0.0% |
| Marion County | 7 | 3 | 2 | 28.6% |
| Lane County | 5 | 2 | 1 | 20.0% |
| Benton County | 3 | 3 | 0 | 0.0% |
| Tillamook County | 2 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 0 | 2 | 100.0% |
| Coos County | 2 | 0 | 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: 115 applications in 2025, of which 50 were originated and 17 denied.
14.8% of all applications, or 25.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Citibank originated in Oregon in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are Citibank'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