Lender in Oregon · HMDA 2025
First Community mortgages in Oregon
First Community's 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
First Community originated 253 owner-occupied single-family loans in Oregon from 295 completed applications.
Its median conventional purchase loan costs were $4,530 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 5.50% (Oregon: 6.625%).
Loans in OR
253
of 295 applications
Denial rate
11.9%
Purchase · OR 5.7%
Rate spread
−0.67 pts
Conv. · OR +0.12 pts
Loan amount
$385,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 159 | 140 | 11.9% | 5.500% | −0.67 pts | $4,530 | $385,000 |
| Refinance | 92 | 80 | 13.0% | 5.000% | −1.42 pts | $5,920 | $395,000 |
| Cash-out refinance | 44 | 33 | 25.0% | 5.500% | −0.76 pts | $5,720 | $445,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where First Community ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coos County | 7 | 28 | 4.1% |
| Grant County | 9 | 2 | 3.0% |
| Umatilla County | 10 | 25 | 2.7% |
| Josephine County | 11 | 22 | 2.4% |
| Lake County | 14 | 1 | 2.5% |
| Douglas County | 20 | 14 | 1.2% |
| Yamhill County | 23 | 13 | 1.1% |
| Klamath County | 23 | 7 | 0.9% |
| Polk County | 25 | 11 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology