First Federal in Oregon vs the state
16.8%Denial rate+1.51 pts vs state
22.0%Decision denial rate+2.79 pts vs state
58.9%Origination rate-1.74 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
63Loans originated
18Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 72 | 14.1% | — | #139 |
| 2024 | 137 | 77 | 22.6% | — | #135 |
| 2025 | 107 | 63 | 16.8% | — | #162 |
What First Federal lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First Federal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yamhill County | 87 | 46 | 18 | 20.7% |
| Marion County | 5 | 3 | 0 | 0.0% |
| Washington County | 5 | 5 | 0 | 0.0% |
| Polk County | 5 | 4 | 0 | 0.0% |
| Tillamook County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Benton 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: 107 applications in 2025, of which 63 were originated and 18 denied.
16.8% of all applications, or 22.0% 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 First Federal'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