Discover Bank in Oregon vs the state
50.8%Denial rate+35.51 pts vs state
75.1%Decision denial rate+55.98 pts vs state
16.1%Origination rate-44.56 pts vs state
8.97%Median rate+2.22 pts vs state
2.33Rate spread (pts)+2.05 pts vs state
$108kMedian applicant income
128Loans originated
405Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,289 | 396 | 43.9% | 9.24% | #11 |
| 2024 | 2,204 | 368 | 50.5% | 8.86% | #9 |
| 2025 | 797 | 128 | 50.8% | 8.97% | #54 |
What Discover Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 120 | 22 | 60 | 50.0% |
| Multnomah County | 113 | 15 | 56 | 49.6% |
| Clackamas County | 93 | 16 | 49 | 52.7% |
| Lane County | 71 | 11 | 35 | 49.3% |
| Marion County | 52 | 9 | 22 | 42.3% |
| Deschutes County | 41 | 11 | 17 | 41.5% |
| Jackson County | 38 | 6 | 24 | 63.2% |
| Linn County | 30 | 3 | 16 | 53.3% |
| Polk County | 25 | 3 | 15 | 60.0% |
| Yamhill County | 25 | 7 | 14 | 56.0% |
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: 797 applications in 2025, of which 128 were originated and 405 denied.
50.8% of all applications, or 75.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Discover Bank originated in Oregon in 2025 was 8.97%, against a statewide median of 6.75%.
About this data. Figures are Discover 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