First National Bank of America in Oregon vs the state
11.6%Denial rate-3.72 pts vs state
16.0%Decision denial rate-3.16 pts vs state
60.9%Origination rate+0.25 pts vs state
8.50%Median rate+1.75 pts vs state
2.38Rate spread (pts)+2.10 pts vs state
$108kMedian applicant income
42Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 48 | 16.0% | 9.63% | #169 |
| 2024 | 92 | 50 | 16.3% | 9.25% | #161 |
| 2025 | 69 | 42 | 11.6% | 8.50% | #194 |
What First National Bank of America lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 14 | 11 | 1 | 7.1% |
| Marion County | 13 | 11 | 0 | 0.0% |
| Multnomah County | 11 | 7 | 1 | 9.1% |
| Lane County | 6 | 3 | 2 | 33.3% |
| Clackamas County | 4 | 2 | 0 | 0.0% |
| Linn County | 3 | 1 | 0 | 0.0% |
| Coos County | 2 | 0 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 1 | 50.0% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Tillamook 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: 69 applications in 2025, of which 42 were originated and 8 denied.
11.6% of all applications, or 16.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans First National Bank of America originated in Oregon in 2025 was 8.50%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of America'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