Valley West in Oregon vs the state
18.2%Denial rate+2.87 pts vs state
25.0%Decision denial rate+5.84 pts vs state
54.6%Origination rate-6.07 pts vs state
6.00%Median rate-0.75 pts vs state
-0.10Rate spread (pts)-0.38 pts vs state
$114kMedian applicant income
6Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 5.75% | #430 |
| 2024 | 19 | 9 | 15.8% | 6.13% | #289 |
| 2025 | 11 | 6 | 18.2% | 6.00% | #357 |
What Valley West lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Valley West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 2 | 1 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 1 | 50.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Lane County | 2 | 1 | 1 | 50.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 11 applications in 2025, of which 6 were originated and 2 denied.
18.2% of all applications, or 25.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Valley West originated in Oregon in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Valley West's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology