Veritas Funding in Oregon vs the state
11.1%Denial rate-4.20 pts vs state
21.7%Decision denial rate+2.58 pts vs state
28.9%Origination rate-31.73 pts vs state
6.25%Median rate-0.50 pts vs state
0.63Rate spread (pts)+0.35 pts vs state
$68kMedian applicant income
13Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 27 | 2.9% | 6.50% | #176 |
| 2024 | 43 | 12 | 7.0% | 6.25% | #216 |
| 2025 | 45 | 13 | 11.1% | 6.25% | #239 |
What Veritas Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Veritas Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 7 | 4 | 0 | 0.0% |
| Douglas County | 6 | 0 | 2 | 33.3% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Linn County | 4 | 0 | 1 | 25.0% |
| Clackamas County | 3 | 0 | 0 | 0.0% |
| Klamath County | 3 | 1 | 1 | 33.3% |
| Umatilla County | 2 | 1 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 0 | 0.0% |
| Multnomah County | 2 | 0 | 0 | 0.0% |
| Jefferson County | 2 | 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: 45 applications in 2025, of which 13 were originated and 5 denied.
11.1% of all applications, or 21.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Veritas Funding originated in Oregon in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Veritas Funding'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