Liberty Savings Bank in Oregon vs the state
25.0%Denial rate+9.69 pts vs state
25.0%Decision denial rate+5.84 pts vs state
75.0%Origination rate+14.38 pts vs state
9.38%Median rate+2.63 pts vs state
2.20Rate spread (pts)+1.92 pts vs state
$66kMedian applicant income
6Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 2 | 20.0% | 10.50% | #438 |
| 2024 | 12 | 6 | 50.0% | 11.25% | #325 |
| 2025 | 8 | 6 | 25.0% | 9.38% | #387 |
What Liberty Savings Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Liberty Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 4 | 3 | 1 | 25.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Lane County | 1 | 0 | 1 | 100.0% |
| Curry County | 1 | 1 | 0 | 0.0% |
| Washington 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: 8 applications in 2025, of which 6 were originated and 2 denied.
25.0% of all applications, or 25.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Liberty Savings Bank originated in Oregon in 2025 was 9.38%, against a statewide median of 6.75%.
About this data. Figures are Liberty Savings 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