First-Citizens Bank & Trust in Oregon vs the state
15.0%Denial rate-0.31 pts vs state
20.7%Decision denial rate+1.53 pts vs state
52.5%Origination rate-8.12 pts vs state
5.99%Median rate-0.76 pts vs state
0.02Rate spread (pts)-0.26 pts vs state
$203kMedian applicant income
21Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 28 | 15.9% | 6.15% | #212 |
| 2024 | 38 | 22 | 18.4% | 6.33% | #233 |
| 2025 | 40 | 21 | 15.0% | 5.99% | #248 |
What First-Citizens Bank & Trust lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 10 | 3 | 2 | 20.0% |
| Multnomah County | 7 | 4 | 2 | 28.6% |
| Washington County | 7 | 3 | 2 | 28.6% |
| Deschutes County | 4 | 4 | 0 | 0.0% |
| Jackson County | 2 | 1 | 0 | 0.0% |
| Lane County | 2 | 2 | 0 | 0.0% |
| Josephine County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Curry County | 1 | 0 | 0 | 0.0% |
| Coos 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: 40 applications in 2025, of which 21 were originated and 6 denied.
15.0% of all applications, or 20.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans First-Citizens Bank & Trust originated in Oregon in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are First-Citizens Bank & Trust'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