The Federal Savings Bank in Oregon vs the state
8.8%Denial rate-6.49 pts vs state
21.3%Decision denial rate+2.10 pts vs state
32.0%Origination rate-28.59 pts vs state
6.25%Median rate-0.50 pts vs state
0.29Rate spread (pts)+0.01 pts vs state
$93kMedian applicant income
98Loans originated
27Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 89 | 11.3% | 6.38% | #83 |
| 2024 | 216 | 74 | 11.6% | 6.25% | #99 |
| 2025 | 306 | 98 | 8.8% | 6.25% | #86 |
What The Federal Savings Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 32 | 9 | 3 | 9.4% |
| Washington County | 29 | 5 | 1 | 3.4% |
| Douglas County | 22 | 5 | 6 | 27.3% |
| Multnomah County | 20 | 5 | 3 | 15.0% |
| Marion County | 20 | 9 | 1 | 5.0% |
| Deschutes County | 19 | 10 | 2 | 10.5% |
| Jackson County | 19 | 6 | 2 | 10.5% |
| Clackamas County | 18 | 3 | 1 | 5.6% |
| Josephine County | 15 | 3 | 2 | 13.3% |
| Linn County | 14 | 5 | 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: 306 applications in 2025, of which 98 were originated and 27 denied.
8.8% of all applications, or 21.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans The Federal Savings Bank originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are The Federal Savings 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