Florida Capital Bank in Oregon vs the state
11.1%Denial rate-4.20 pts vs state
12.5%Decision denial rate-6.66 pts vs state
66.7%Origination rate+6.05 pts vs state
6.00%Median rate-0.75 pts vs state
-0.22Rate spread (pts)-0.50 pts vs state
$123kMedian applicant income
6Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 14 | 15.0% | 6.56% | #281 |
| 2024 | 9 | 6 | 22.2% | 6.75% | #365 |
| 2025 | 9 | 6 | 11.1% | 6.00% | #380 |
What Florida Capital Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 3 | 2 | 0 | 0.0% |
| Washington County | 2 | 0 | 1 | 50.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Polk 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: 9 applications in 2025, of which 6 were originated and 1 denied.
11.1% of all applications, or 12.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Florida Capital Bank originated in Oregon in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Florida Capital 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