HomeStreet Bank in Oregon vs the state
11.6%Denial rate-3.69 pts vs state
14.7%Decision denial rate-4.51 pts vs state
66.7%Origination rate+6.05 pts vs state
7.50%Median rate+0.75 pts vs state
0.50Rate spread (pts)+0.22 pts vs state
$126kMedian applicant income
132Loans originated
23Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 163 | 20.5% | 7.00% | #88 |
| 2024 | 244 | 160 | 17.2% | 7.19% | #97 |
| 2025 | 198 | 132 | 11.6% | 7.50% | #121 |
What HomeStreet Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most HomeStreet Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 64 | 42 | 5 | 7.8% |
| Clackamas County | 39 | 31 | 4 | 10.3% |
| Washington County | 24 | 16 | 4 | 16.7% |
| Umatilla County | 13 | 11 | 1 | 7.7% |
| Deschutes County | 13 | 8 | 0 | 0.0% |
| Marion County | 9 | 5 | 2 | 22.2% |
| Douglas County | 4 | 0 | 1 | 25.0% |
| Lane County | 4 | 4 | 0 | 0.0% |
| Lincoln County | 3 | 3 | 0 | 0.0% |
| Yamhill County | 3 | 1 | 2 | 66.7% |
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: 198 applications in 2025, of which 132 were originated and 23 denied.
11.6% of all applications, or 14.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans HomeStreet Bank originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are HomeStreet 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