Wells Fargo Bank in Oregon vs the state
15.9%Denial rate+0.55 pts vs state
22.5%Decision denial rate+3.30 pts vs state
54.5%Origination rate-6.10 pts vs state
6.25%Median rate-0.50 pts vs state
0.01Rate spread (pts)-0.27 pts vs state
$130kMedian applicant income
464Loans originated
135Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,188 | 615 | 19.8% | 6.25% | #25 |
| 2024 | 824 | 406 | 18.5% | 6.50% | #47 |
| 2025 | 851 | 464 | 15.9% | 6.25% | #49 |
What Wells Fargo Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 180 | 96 | 30 | 16.7% |
| Washington County | 155 | 91 | 15 | 9.7% |
| Clackamas County | 113 | 60 | 17 | 15.0% |
| Deschutes County | 69 | 40 | 13 | 18.8% |
| Lane County | 54 | 29 | 8 | 14.8% |
| Marion County | 48 | 23 | 12 | 25.0% |
| Jackson County | 44 | 29 | 6 | 13.6% |
| Yamhill County | 19 | 12 | 1 | 5.3% |
| Polk County | 18 | 13 | 2 | 11.1% |
| Douglas County | 14 | 3 | 4 | 28.6% |
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: 851 applications in 2025, of which 464 were originated and 135 denied.
15.9% of all applications, or 22.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Wells Fargo Bank originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Wells Fargo 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