NBKC Bank in Oregon vs the state
8.2%Denial rate-7.12 pts vs state
12.2%Decision denial rate-6.99 pts vs state
58.5%Origination rate-2.14 pts vs state
6.13%Median rate-0.63 pts vs state
-0.26Rate spread (pts)-0.53 pts vs state
$160kMedian applicant income
100Loans originated
14Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 97 | 8.4% | 6.50% | #122 |
| 2024 | 187 | 121 | 10.2% | 6.38% | #109 |
| 2025 | 171 | 100 | 8.2% | 6.13% | #132 |
What NBKC Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 45 | 30 | 2 | 4.4% |
| Washington County | 35 | 21 | 4 | 11.4% |
| Deschutes County | 19 | 10 | 2 | 10.5% |
| Clackamas County | 17 | 9 | 1 | 5.9% |
| Marion County | 10 | 2 | 4 | 40.0% |
| Lane County | 10 | 8 | 0 | 0.0% |
| Jackson County | 6 | 3 | 0 | 0.0% |
| Josephine County | 4 | 2 | 1 | 25.0% |
| Clatsop County | 4 | 1 | 0 | 0.0% |
| Klamath County | 3 | 2 | 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: 171 applications in 2025, of which 100 were originated and 14 denied.
8.2% of all applications, or 12.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans NBKC Bank originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are NBKC 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