Vanderbilt Mortgage and Finance in Oregon vs the state
31.5%Denial rate+16.19 pts vs state
88.7%Decision denial rate+69.57 pts vs state
3.0%Origination rate-57.62 pts vs state
10.38%Median rate+3.63 pts vs state
4.16Rate spread (pts)+3.88 pts vs state
$69kMedian applicant income
6Loans originated
63Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 8 | 41.2% | 9.62% | #125 |
| 2024 | 175 | 11 | 35.4% | 8.75% | #115 |
| 2025 | 200 | 6 | 31.5% | 10.38% | #118 |
What Vanderbilt Mortgage and Finance lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 36 | 1 | 5 | 13.9% |
| Lane County | 23 | 2 | 7 | 30.4% |
| Umatilla County | 20 | 1 | 9 | 45.0% |
| Marion County | 15 | 0 | 4 | 26.7% |
| Linn County | 14 | 1 | 3 | 21.4% |
| Clackamas County | 13 | 0 | 7 | 53.8% |
| Klamath County | 13 | 0 | 4 | 30.8% |
| Josephine County | 11 | 1 | 2 | 18.2% |
| Morrow County | 8 | 0 | 4 | 50.0% |
| Douglas County | 7 | 0 | 1 | 14.3% |
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: 200 applications in 2025, of which 6 were originated and 63 denied.
31.5% of all applications, or 88.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Oregon in 2025 was 10.38%, against a statewide median of 6.75%.
About this data. Figures are Vanderbilt Mortgage and Finance'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