Valon Mortgage in Oregon vs the state
18.1%Denial rate+2.75 pts vs state
21.4%Decision denial rate+2.21 pts vs state
53.6%Origination rate-7.07 pts vs state
8.05%Median rate+1.30 pts vs state
2.11Rate spread (pts)+1.83 pts vs state
$113kMedian applicant income
83Loans originated
28Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 17 | 10 | 23.5% | 6.31% | #293 |
| 2025 | 155 | 83 | 18.1% | 8.05% | #140 |
What Valon Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deschutes County | 20 | 7 | 4 | 20.0% |
| Clackamas County | 18 | 13 | 1 | 5.6% |
| Multnomah County | 15 | 13 | 0 | 0.0% |
| Washington County | 13 | 7 | 3 | 23.1% |
| Marion County | 13 | 7 | 2 | 15.4% |
| Lane County | 10 | 5 | 1 | 10.0% |
| Klamath County | 8 | 5 | 1 | 12.5% |
| Lincoln County | 7 | 0 | 4 | 57.1% |
| Polk County | 6 | 3 | 2 | 33.3% |
| Benton County | 5 | 3 | 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: 155 applications in 2025, of which 83 were originated and 28 denied.
18.1% of all applications, or 21.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Valon Mortgage originated in Oregon in 2025 was 8.05%, against a statewide median of 6.75%.
About this data. Figures are Valon Mortgage'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