Fibre in Oregon vs the state
29.8%Denial rate+14.53 pts vs state
30.1%Decision denial rate+10.95 pts vs state
60.6%Origination rate-0.03 pts vs state
7.88%Median rate+1.13 pts vs state
1.93Rate spread (pts)+1.65 pts vs state
$97kMedian applicant income
266Loans originated
131Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 409 | 270 | 26.7% | 7.00% | #69 |
| 2024 | 418 | 250 | 32.3% | 8.50% | #68 |
| 2025 | 439 | 266 | 29.8% | 7.88% | #71 |
What Fibre lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Fibre applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clatsop County | 129 | 79 | 42 | 32.6% |
| Tillamook County | 125 | 71 | 31 | 24.8% |
| Lincoln County | 81 | 48 | 29 | 35.8% |
| Columbia County | 68 | 47 | 15 | 22.1% |
| Clackamas County | 8 | 4 | 4 | 50.0% |
| Multnomah County | 6 | 3 | 3 | 50.0% |
| Washington County | 5 | 4 | 1 | 20.0% |
| Marion County | 4 | 2 | 2 | 50.0% |
| Lane County | 3 | 2 | 0 | 0.0% |
| Linn County | 2 | 1 | 1 | 50.0% |
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: 439 applications in 2025, of which 266 were originated and 131 denied.
29.8% of all applications, or 30.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Fibre originated in Oregon in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Fibre'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