First Community (Oregon) mortgage approval rate & lending review
First Community (Oregon) decided 1,402 mortgage applications and funded 1,217 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community (Oregon) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Community (Oregon) at a glance
Approval is 14.7 points above the 72.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 297 / 340 | 100% | $395K | 296 |
| Home improvement loans | 87% | 464 / 533 | 99% | $55K | 460 |
| Cash-out refinance | 88% | 231 / 263 | 100% | $225K | 230 |
| Refinance | 89% | 171 / 193 | 100% | $465K | 171 |
| Investment property purchase | 75% | 24 / 32 | 100% | $335K | 24 |
First Community (Oregon) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 87% | $225K | 1,355 | 1,176 |
| Washington | 83% | $525K | 29 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Community (Oregon) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, OR | Home improvement loans | 87% | 107 | 92 |
| Washington County, OR | Home improvement loans | 90% | 91 | 81 |
| Yamhill County, OR | Home improvement loans | 93% | 85 | 79 |
| Jackson County, OR | Home improvement loans | 78% | 79 | 62 |
| Lane County, OR | Home improvement loans | 82% | 73 | 60 |
| Deschutes County, OR | Mortgage lenders | 94% | 63 | 59 |
| Jackson County, OR | Mortgage lenders | 93% | 57 | 52 |
| Deschutes County, OR | Home improvement loans | 98% | 48 | 47 |
| Douglas County, OR | Mortgage lenders | 88% | 49 | 43 |
| Washington County, OR | Cash-out refinance | 88% | 49 | 43 |
| Douglas County, OR | Cash-out refinance | 95% | 42 | 40 |
| Deschutes County, OR | Cash-out refinance | 90% | 40 | 35 |
The county markets where First Community (Oregon) made the most loans. Each link opens that market with every lender ranked.
Questions about First Community (Oregon)
What is First Community (Oregon)'s mortgage approval rate?
First Community (Oregon) approved 87.2% of the 1,402 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan First Community (Oregon) offers?
Borrowers accepted 100% of the loans First Community (Oregon) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Community (Oregon) make?
The typical home improvement loan loan First Community (Oregon) made was $55K; across all loan types its typical loan ran from $55K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community (Oregon) lend?
First Community (Oregon) decided applications in 6 of the states Fat Boy Data covers, most of them in Oregon, Washington and Arizona.
Can I apply to First Community (Oregon) directly?
Yes. First Community (Oregon) is a bank or credit union with 111 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Community (Oregon)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Community (Oregon) treats applications, then get a rate quote from the lender.