Washington Federal Bank in Oregon vs the state
13.4%Denial rate-1.90 pts vs state
18.0%Decision denial rate-1.13 pts vs state
61.0%Origination rate+0.36 pts vs state
7.63%Median rate+0.88 pts vs state
0.66Rate spread (pts)+0.38 pts vs state
$126kMedian applicant income
50Loans originated
11Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 748 | 328 | 21.7% | 7.63% | #48 |
| 2024 | 549 | 251 | 20.0% | 7.75% | #60 |
| 2025 | 82 | 50 | 13.4% | 7.63% | #181 |
What Washington Federal Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Washington Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 10 | 8 | 0 | 0.0% |
| Multnomah County | 8 | 4 | 0 | 0.0% |
| Marion County | 7 | 7 | 0 | 0.0% |
| Klamath County | 7 | 4 | 1 | 14.3% |
| Linn County | 6 | 4 | 2 | 33.3% |
| Umatilla County | 6 | 3 | 1 | 16.7% |
| Polk County | 5 | 4 | 1 | 20.0% |
| Lane County | 5 | 2 | 2 | 40.0% |
| Clackamas County | 5 | 3 | 0 | 0.0% |
| Josephine County | 4 | 2 | 2 | 50.0% |
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: 82 applications in 2025, of which 50 were originated and 11 denied.
13.4% of all applications, or 18.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Washington Federal Bank originated in Oregon in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Washington Federal 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