Sunflower Bank in Oregon vs the state
4.1%Denial rate-11.20 pts vs state
5.6%Decision denial rate-13.59 pts vs state
69.7%Origination rate+9.08 pts vs state
6.49%Median rate-0.26 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$118kMedian applicant income
322Loans originated
19Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 40 | 1.7% | 6.49% | #192 |
| 2024 | 286 | 189 | 8.0% | 6.63% | #87 |
| 2025 | 462 | 322 | 4.1% | 6.49% | #68 |
What Sunflower Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Sunflower Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 120 | 82 | 7 | 5.8% |
| Josephine County | 69 | 48 | 4 | 5.8% |
| Deschutes County | 67 | 50 | 2 | 3.0% |
| Clackamas County | 45 | 32 | 0 | 0.0% |
| Tillamook County | 31 | 25 | 0 | 0.0% |
| Multnomah County | 31 | 20 | 2 | 6.5% |
| Washington County | 20 | 16 | 0 | 0.0% |
| Jefferson County | 10 | 8 | 1 | 10.0% |
| Lane County | 8 | 5 | 0 | 0.0% |
| Wasco County | 7 | 4 | 0 | 0.0% |
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: 462 applications in 2025, of which 322 were originated and 19 denied.
4.1% of all applications, or 5.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Sunflower Bank originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Sunflower 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