Evergreen Federal Bank in Oregon vs the state
8.0%Denial rate-7.36 pts vs state
8.8%Decision denial rate-10.41 pts vs state
83.0%Origination rate+22.33 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
146Loans originated
14Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 204 | 3.0% | — | #97 |
| 2024 | 190 | 168 | 7.9% | — | #107 |
| 2025 | 176 | 146 | 8.0% | — | #129 |
What Evergreen Federal Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Evergreen Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 98 | 89 | 4 | 4.1% |
| Josephine County | 73 | 53 | 9 | 12.3% |
| Curry County | 5 | 4 | 1 | 20.0% |
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: 176 applications in 2025, of which 146 were originated and 14 denied.
8.0% of all applications, or 8.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Evergreen Federal 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