Spokane Teachers in Oregon vs the state
20.6%Denial rate+5.24 pts vs state
28.9%Decision denial rate+9.69 pts vs state
50.7%Origination rate-9.94 pts vs state
6.75%Median rate0.00 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$98kMedian applicant income
37Loans originated
15Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 15 | 26.9% | 9.24% | #252 |
| 2024 | 23 | 15 | 13.0% | 7.87% | #273 |
| 2025 | 73 | 37 | 20.6% | 6.75% | #190 |
What Spokane Teachers lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Spokane Teachers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wallowa County | 27 | 15 | 6 | 22.2% |
| Umatilla County | 14 | 8 | 4 | 28.6% |
| Baker County | 10 | 6 | 1 | 10.0% |
| Union County | 8 | 2 | 2 | 25.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Multnomah County | 2 | 2 | 0 | 0.0% |
| Wasco County | 2 | 0 | 0 | 0.0% |
| Lane County | 1 | 0 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 1 | 100.0% |
| Coos County | 1 | 0 | 1 | 100.0% |
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: 73 applications in 2025, of which 37 were originated and 15 denied.
20.6% of all applications, or 28.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Spokane Teachers originated in Oregon in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Spokane Teachers'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