PNC Bank in Oregon vs the state
29.7%Denial rate+14.40 pts vs state
40.8%Decision denial rate+21.64 pts vs state
41.7%Origination rate-18.95 pts vs state
6.13%Median rate-0.63 pts vs state
-0.30Rate spread (pts)-0.58 pts vs state
$138kMedian applicant income
115Loans originated
82Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 371 | 191 | 19.4% | 8.11% | #73 |
| 2024 | 254 | 120 | 27.2% | 6.99% | #93 |
| 2025 | 276 | 115 | 29.7% | 6.13% | #94 |
What PNC Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 66 | 29 | 19 | 28.8% |
| Washington County | 44 | 18 | 10 | 22.7% |
| Lane County | 35 | 12 | 12 | 34.3% |
| Clackamas County | 29 | 12 | 6 | 20.7% |
| Deschutes County | 18 | 12 | 2 | 11.1% |
| Linn County | 10 | 3 | 6 | 60.0% |
| Jackson County | 10 | 2 | 4 | 40.0% |
| Marion County | 8 | 3 | 5 | 62.5% |
| Yamhill County | 8 | 3 | 3 | 37.5% |
| Benton County | 7 | 4 | 2 | 28.6% |
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: 276 applications in 2025, of which 115 were originated and 82 denied.
29.7% of all applications, or 40.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans PNC Bank originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are PNC 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