Applications / Mortgage Analytics / Lenders / Oregon / Evergreen Federal Bank
Grants Pass, OR · Savings institution · OCC · $617 million assets · 146 loans in 2025
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146
loans originated, 2025
176
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evergreen Federal Bank lends mostly to home buyers in three counties, and it ranks ninth in both Grants Pass and Medford.
Home purchases made up 77.4% of its 146 loans. All were conventional, as at most similar lenders (savings institutions making between half and twice as many loans). Its typical loan, $245,000, was near the middle of those lenders, where it was $240,000.
It made 531 loans in 2020 and fewer in every year since, down to 146 in 2025. Its dollar volume fell to $50.5 million from $133.5 million five years before. Its loans fell 13% in 2025 while similar lenders' rose 6%.
In Grants Pass it ranked 9 of 168, and its share fell 2.3 points to 3.3%. In Medford, where it has lent since at least 1990, it ranked 9 of 230, and its share fell 0.6 points to 2.4%. With so few loans, a handful either way could account for the shift.
Low- and moderate-income (LMI) borrowers took 17.2% of its loans, up from 13.0% a year before and 11.2% five years before. That is still lower than at about four in five similar lenders, where the share was 24.8%. None of its loans were in majority-minority areas, which may be few or absent in the three counties it serves.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Evergreen Federal Bank took 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.4% · Refinance 11.6% · Home improvement 9.6% · Other 1.4%
Conventional 100.0% · of 146 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oregon | 146 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Medford | 89 |
| Grants Pass | 53 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007E4NL6J0YLH946 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 55970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42610 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702610 | 2011–2017 |
Established 1 June 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Evergreen Federal Bank's data.
Evergreen Federal Bank's data
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Evergreen Federal Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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