Selco Community in Oregon vs the state
30.5%Denial rate+15.22 pts vs state
32.3%Decision denial rate+13.17 pts vs state
57.5%Origination rate-3.16 pts vs state
7.25%Median rate+0.50 pts vs state
-0.03Rate spread (pts)-0.31 pts vs state
$114kMedian applicant income
1,167Loans originated
620Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,380 | 1,431 | 26.5% | 8.00% | #10 |
| 2024 | 2,048 | 1,216 | 26.7% | 8.25% | #12 |
| 2025 | 2,031 | 1,167 | 30.5% | 7.25% | #15 |
What Selco Community lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Selco Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 983 | 589 | 283 | 28.8% |
| Deschutes County | 496 | 298 | 143 | 28.8% |
| Marion County | 95 | 49 | 39 | 41.1% |
| Linn County | 81 | 45 | 22 | 27.2% |
| Multnomah County | 78 | 43 | 27 | 34.6% |
| Washington County | 39 | 18 | 15 | 38.5% |
| Crook County | 36 | 18 | 14 | 38.9% |
| Jefferson County | 32 | 18 | 12 | 37.5% |
| Clackamas County | 25 | 13 | 11 | 44.0% |
| Polk County | 24 | 17 | 2 | 8.3% |
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: 2,031 applications in 2025, of which 1,167 were originated and 620 denied.
30.5% of all applications, or 32.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Selco Community originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Selco Community'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