Plains Commerce Bank in Oregon vs the state
2.1%Denial rate-13.18 pts vs state
3.1%Decision denial rate-16.03 pts vs state
65.3%Origination rate+4.63 pts vs state
6.50%Median rate-0.25 pts vs state
0.19Rate spread (pts)-0.09 pts vs state
$138kMedian applicant income
184Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 58 | 2.4% | 6.88% | #158 |
| 2024 | 191 | 118 | 1.6% | 6.56% | #106 |
| 2025 | 282 | 184 | 2.1% | 6.50% | #93 |
What Plains Commerce Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 55 | 48 | 1 | 1.8% |
| Jackson County | 53 | 32 | 0 | 0.0% |
| Washington County | 48 | 29 | 2 | 4.2% |
| Multnomah County | 36 | 19 | 0 | 0.0% |
| Marion County | 23 | 13 | 0 | 0.0% |
| Clackamas County | 14 | 10 | 0 | 0.0% |
| Lane County | 11 | 8 | 0 | 0.0% |
| Josephine County | 5 | 2 | 1 | 20.0% |
| Lincoln County | 4 | 2 | 0 | 0.0% |
| Columbia County | 4 | 3 | 1 | 25.0% |
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: 282 applications in 2025, of which 184 were originated and 6 denied.
2.1% of all applications, or 3.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Plains Commerce Bank originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Plains Commerce 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