First Federal Bank in Oregon vs the state
4.7%Denial rate-10.62 pts vs state
7.9%Decision denial rate-11.27 pts vs state
54.7%Origination rate-5.93 pts vs state
6.25%Median rate-0.50 pts vs state
-0.26Rate spread (pts)-0.54 pts vs state
$154kMedian applicant income
35Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 15 | 12.5% | 6.38% | #239 |
| 2024 | 60 | 38 | 6.7% | 6.06% | #193 |
| 2025 | 64 | 35 | 4.7% | 6.25% | #202 |
What First Federal Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 10 | 6 | 1 | 10.0% |
| Multnomah County | 9 | 5 | 0 | 0.0% |
| Washington County | 8 | 5 | 0 | 0.0% |
| Lane County | 7 | 4 | 1 | 14.3% |
| Jackson County | 5 | 3 | 0 | 0.0% |
| Deschutes County | 4 | 1 | 0 | 0.0% |
| Coos County | 4 | 1 | 0 | 0.0% |
| Klamath County | 3 | 2 | 1 | 33.3% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Tillamook County | 2 | 2 | 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: 64 applications in 2025, of which 35 were originated and 3 denied.
4.7% of all applications, or 7.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans First Federal Bank originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are First 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