Village Capital & Investment in Oregon vs the state
21.1%Denial rate+5.76 pts vs state
27.4%Decision denial rate+8.21 pts vs state
35.1%Origination rate-25.51 pts vs state
5.75%Median rate-1.00 pts vs state
—Rate spread (pts)
$87kMedian applicant income
125Loans originated
75Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 171 | 35 | 16.4% | 6.38% | #118 |
| 2024 | 364 | 134 | 11.5% | 5.75% | #73 |
| 2025 | 356 | 125 | 21.1% | 5.75% | #78 |
What Village Capital & Investment lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 39 | 13 | 8 | 20.5% |
| Marion County | 37 | 12 | 7 | 18.9% |
| Multnomah County | 32 | 10 | 8 | 25.0% |
| Douglas County | 32 | 10 | 7 | 21.9% |
| Lane County | 27 | 12 | 5 | 18.5% |
| Jackson County | 23 | 10 | 4 | 17.4% |
| Linn County | 19 | 10 | 4 | 21.1% |
| Deschutes County | 19 | 9 | 6 | 31.6% |
| Josephine County | 15 | 4 | 2 | 13.3% |
| Umatilla County | 14 | 3 | 2 | 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: 356 applications in 2025, of which 125 were originated and 75 denied.
21.1% of all applications, or 27.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Village Capital & Investment originated in Oregon in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Village Capital & Investment'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