Finance Atlas

Banking & Mortgage-Lending Access in Oregon

189 FDIC-insured institutions (14 currently active) are recorded in Oregon in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 21.8% in Oregon.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

189
FDIC institutions (total)
14
Currently active
21.8%
Overall denial rate (HMDA 2024)
77,999
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Oregon?

FDIC BankFind records 189 FDIC-insured institutions (all historical) in Oregon, of which 14 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 189
Currently active 14

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Oregon?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Oregon:

Charter class Description Count
NM State non-member bank (Fed non-member) 105
SL Savings institution (state-chartered S&L) 30
SM State member bank (Fed member) 25
N National bank (OCC-chartered) 19
SB Savings bank (state-chartered) 7
SI Savings institution (OTS-supervised) 2
NC Non-deposit trust company 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Oregon? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 21.8% in Oregon. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 21.8%
White applicants 20.9%
Black applicants 27.2%
Black/White denial rate ratio 1.30x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=OR

Mortgage origination volume in Oregon (2024)

HMDA 2024 data record 77,999 originated mortgage loans in Oregon , totaling $27.6B , with an average loan size of $353,798.

Metric Value
Originated loans (2024) 77,999
Total origination volume $27.6B
Average loan size $353,798

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=OR

Data exported June 20, 2026 · content hash 86c8bf80eac3fc10 · machine-readable brief: /finance/states/or/context.md

Where to act