Sofi Bank in Oregon vs the state
9.0%Denial rate-6.28 pts vs state
23.8%Decision denial rate+4.60 pts vs state
28.6%Origination rate-32.05 pts vs state
7.75%Median rate+1.00 pts vs state
1.69Rate spread (pts)+1.41 pts vs state
$125kMedian applicant income
212Loans originated
67Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 42 | 13.4% | 6.75% | #146 |
| 2024 | 199 | 102 | 12.6% | 6.63% | #104 |
| 2025 | 742 | 212 | 9.0% | 7.75% | #56 |
What Sofi Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 127 | 31 | 9 | 7.1% |
| Washington County | 108 | 43 | 9 | 8.3% |
| Clackamas County | 90 | 29 | 5 | 5.6% |
| Lane County | 67 | 26 | 7 | 10.4% |
| Marion County | 51 | 8 | 4 | 7.8% |
| Deschutes County | 50 | 14 | 7 | 14.0% |
| Jackson County | 33 | 7 | 2 | 6.1% |
| Linn County | 28 | 7 | 2 | 7.1% |
| Polk County | 21 | 6 | 2 | 9.5% |
| Yamhill County | 18 | 7 | 1 | 5.6% |
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: 742 applications in 2025, of which 212 were originated and 67 denied.
9.0% of all applications, or 23.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Sofi Bank originated in Oregon in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Sofi 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