Oregon Community mortgage approval rate & lending review
Oregon Community decided 4,348 mortgage applications and funded 3,243 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oregon Community reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oregon Community at a glance
Approval is 8.8 points above the 70.2% 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 | 88% | 564 / 640 | 93% | $325K | 522 |
| Home improvement loans | 77% | 1,684 / 2,186 | 95% | $55K | 1,595 |
| Cash-out refinance | 60% | 60 / 100 | 92% | $205K | 55 |
| Refinance | 82% | 921 / 1,129 | 95% | $105K | 873 |
| Investment property purchase | 70% | 43 / 61 | 91% | $185K | 39 |
| Investment refinance | 78% | 46 / 59 | 93% | $115K | 43 |
| Investment home improvement | 69% | 116 / 167 | 98% | $65K | 114 |
Oregon Community lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 79% | $65K | 4,294 | 3,206 |
| Washington | 75% | $185K | 53 | 37 |
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 Oregon Community lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lane County, OR | Home improvement loans | 78% | 1,391 | 1,031 |
| Lane County, OR | Refinance | 84% | 758 | 594 |
| Lane County, OR | Mortgage lenders | 89% | 410 | 335 |
| Marion County, OR | Home improvement loans | 80% | 252 | 191 |
| Marion County, OR | Refinance | 75% | 121 | 88 |
| Lane County, OR | Investment home improvement | 72% | 111 | 79 |
| Multnomah County, OR | Home improvement loans | 76% | 100 | 71 |
| Clackamas County, OR | Home improvement loans | 69% | 95 | 62 |
| Marion County, OR | Mortgage lenders | 88% | 73 | 60 |
| Linn County, OR | Home improvement loans | 73% | 84 | 58 |
| Clackamas County, OR | Refinance | 83% | 63 | 50 |
| Deschutes County, OR | Home improvement loans | 78% | 68 | 50 |
The county markets where Oregon Community made the most loans. Each link opens that market with every lender ranked.
Questions about Oregon Community
What is Oregon Community's mortgage approval rate?
Oregon Community approved 79.0% of the 4,348 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.8 points above the 70.2% national rate for the same mix of loan types.
How often do borrowers take the loan Oregon Community offers?
Borrowers accepted 94% of the loans Oregon Community 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 Oregon Community make?
The typical home improvement loan loan Oregon Community made was $55K; across all loan types its typical loan ran from $55K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oregon Community lend?
Oregon Community decided applications in 3 of the states Fat Boy Data covers, most of them in Oregon, Washington and Arizona.
Can I apply to Oregon Community directly?
Yes. Oregon Community is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oregon Community'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 Oregon Community treats applications, then get a rate quote from the lender.