United Trust Bank in Oregon vs the state
50.0%Denial rate+34.69 pts vs state
50.0%Decision denial rate+30.84 pts vs state
50.0%Origination rate-10.62 pts vs state
6.99%Median rate+0.24 pts vs state
0.72Rate spread (pts)+0.44 pts vs state
$67kMedian applicant income
3Loans originated
3Denied
What United Trust Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 2 | 0 | 2 | 100.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Coos County | 1 | 1 | 0 | 0.0% |
| Linn 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: 6 applications in 2025, of which 3 were originated and 3 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans United Trust Bank originated in Oregon in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are United Trust 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