USAA Federal Savings Bank in Oregon vs the state
27.8%Denial rate+12.48 pts vs state
37.4%Decision denial rate+18.24 pts vs state
46.2%Origination rate-14.40 pts vs state
6.38%Median rate-0.38 pts vs state
-0.19Rate spread (pts)-0.47 pts vs state
$124kMedian applicant income
153Loans originated
92Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 142 | 23.6% | 6.25% | #84 |
| 2024 | 356 | 179 | 21.4% | 6.38% | #75 |
| 2025 | 331 | 153 | 27.8% | 6.38% | #84 |
What USAA Federal Savings Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 53 | 26 | 15 | 28.3% |
| Deschutes County | 33 | 11 | 10 | 30.3% |
| Washington County | 31 | 13 | 5 | 16.1% |
| Lane County | 30 | 18 | 8 | 26.7% |
| Clackamas County | 27 | 11 | 7 | 25.9% |
| Marion County | 18 | 10 | 5 | 27.8% |
| Jackson County | 16 | 4 | 8 | 50.0% |
| Klamath County | 15 | 6 | 7 | 46.7% |
| Yamhill County | 9 | 5 | 3 | 33.3% |
| Josephine County | 9 | 6 | 2 | 22.2% |
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: 331 applications in 2025, of which 153 were originated and 92 denied.
27.8% of all applications, or 37.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans USAA Federal Savings Bank originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are USAA 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