Flagstar Bank in Oregon vs the state
32.5%Denial rate+17.23 pts vs state
36.4%Decision denial rate+17.26 pts vs state
55.0%Origination rate-5.59 pts vs state
6.47%Median rate-0.28 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$130kMedian applicant income
93Loans originated
55Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 806 | 489 | 17.5% | 7.29% | #46 |
| 2024 | 688 | 460 | 17.4% | 6.75% | #52 |
| 2025 | 169 | 93 | 32.5% | 6.47% | #134 |
What Flagstar Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 30 | 18 | 9 | 30.0% |
| Washington County | 28 | 16 | 9 | 32.1% |
| Multnomah County | 26 | 17 | 6 | 23.1% |
| Marion County | 12 | 6 | 5 | 41.7% |
| Deschutes County | 10 | 2 | 5 | 50.0% |
| Yamhill County | 10 | 6 | 3 | 30.0% |
| Klamath County | 8 | 7 | 1 | 12.5% |
| Polk County | 8 | 3 | 3 | 37.5% |
| Lane County | 7 | 3 | 4 | 57.1% |
| Jackson County | 5 | 4 | 1 | 20.0% |
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: 169 applications in 2025, of which 93 were originated and 55 denied.
32.5% of all applications, or 36.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Flagstar Bank originated in Oregon in 2025 was 6.47%, against a statewide median of 6.75%.
About this data. Figures are Flagstar 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