First Interstate Bank in Oregon vs the state
25.0%Denial rate+9.64 pts vs state
28.8%Decision denial rate+9.60 pts vs state
60.8%Origination rate+0.22 pts vs state
8.25%Median rate+1.50 pts vs state
1.06Rate spread (pts)+0.78 pts vs state
$134kMedian applicant income
317Loans originated
130Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 447 | 284 | 23.5% | 9.25% | #66 |
| 2024 | 457 | 257 | 30.4% | 9.25% | #66 |
| 2025 | 521 | 317 | 25.0% | 8.25% | #62 |
What First Interstate Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First Interstate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 206 | 122 | 48 | 23.3% |
| Jackson County | 112 | 65 | 39 | 34.8% |
| Josephine County | 55 | 38 | 10 | 18.2% |
| Klamath County | 20 | 14 | 4 | 20.0% |
| Marion County | 18 | 13 | 3 | 16.7% |
| Douglas County | 17 | 13 | 4 | 23.5% |
| Crook County | 17 | 9 | 3 | 17.6% |
| Lane County | 16 | 9 | 6 | 37.5% |
| Coos County | 8 | 5 | 3 | 37.5% |
| Lincoln County | 7 | 7 | 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: 521 applications in 2025, of which 317 were originated and 130 denied.
25.0% of all applications, or 28.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans First Interstate Bank originated in Oregon in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are First Interstate 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