Heritage Bank in Oregon vs the state
28.9%Denial rate+13.54 pts vs state
30.0%Decision denial rate+10.84 pts vs state
61.5%Origination rate+0.92 pts vs state
7.37%Median rate+0.62 pts vs state
0.50Rate spread (pts)+0.22 pts vs state
$144kMedian applicant income
32Loans originated
15Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 46 | 20.6% | 6.37% | #185 |
| 2024 | 53 | 39 | 20.8% | 8.49% | #198 |
| 2025 | 52 | 32 | 28.9% | 7.37% | #217 |
What Heritage Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 15 | 7 | 6 | 40.0% |
| Multnomah County | 14 | 10 | 3 | 21.4% |
| Lane County | 10 | 6 | 3 | 30.0% |
| Clackamas County | 4 | 3 | 1 | 25.0% |
| Benton County | 2 | 1 | 0 | 0.0% |
| Yamhill County | 1 | 1 | 0 | 0.0% |
| Linn County | 1 | 0 | 1 | 100.0% |
| Umatilla County | 1 | 1 | 0 | 0.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Clatsop 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: 52 applications in 2025, of which 32 were originated and 15 denied.
28.9% of all applications, or 30.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Heritage Bank originated in Oregon in 2025 was 7.37%, against a statewide median of 6.75%.
About this data. Figures are Heritage 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