Mechanics Bank in Oregon vs the state
10.4%Denial rate-4.89 pts vs state
14.3%Decision denial rate-4.87 pts vs state
62.5%Origination rate+1.88 pts vs state
6.50%Median rate-0.25 pts vs state
0.55Rate spread (pts)+0.27 pts vs state
$161kMedian applicant income
30Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 52 | 3.7% | 5.60% | #198 |
| 2025 | 48 | 30 | 10.4% | 6.50% | #229 |
What Mechanics Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Mechanics Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 18 | 10 | 4 | 22.2% |
| Clackamas County | 8 | 7 | 0 | 0.0% |
| Marion County | 5 | 3 | 0 | 0.0% |
| Washington County | 5 | 1 | 1 | 20.0% |
| Umatilla County | 2 | 0 | 0 | 0.0% |
| Deschutes County | 2 | 2 | 0 | 0.0% |
| Lane County | 2 | 1 | 0 | 0.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Yamhill 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: 48 applications in 2025, of which 30 were originated and 5 denied.
10.4% of all applications, or 14.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Mechanics Bank originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Mechanics 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