Vellum Mortgage in Oregon vs the state
17.7%Denial rate+2.34 pts vs state
23.1%Decision denial rate+3.92 pts vs state
58.8%Origination rate-1.80 pts vs state
7.06%Median rate+0.31 pts vs state
0.46Rate spread (pts)+0.18 pts vs state
$156kMedian applicant income
10Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 5 | 0.0% | 6.75% | #382 |
| 2025 | 17 | 10 | 17.7% | 7.06% | #311 |
What Vellum Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Vellum Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 7 | 5 | 1 | 14.3% |
| Clackamas County | 3 | 1 | 0 | 0.0% |
| Lane County | 2 | 2 | 0 | 0.0% |
| Baker County | 1 | 0 | 1 | 100.0% |
| Polk County | 1 | 0 | 1 | 100.0% |
| Marion County | 1 | 0 | 0 | 0.0% |
| Coos County | 1 | 1 | 0 | 0.0% |
| Washington 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: 17 applications in 2025, of which 10 were originated and 3 denied.
17.7% of all applications, or 23.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Vellum Mortgage originated in Oregon in 2025 was 7.06%, against a statewide median of 6.75%.
About this data. Figures are Vellum 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