V.i.p. Mortgage in Oregon vs the state
5.9%Denial rate-9.43 pts vs state
8.1%Decision denial rate-11.05 pts vs state
66.7%Origination rate+6.05 pts vs state
6.43%Median rate-0.32 pts vs state
0.19Rate spread (pts)-0.09 pts vs state
$108kMedian applicant income
34Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 68 | 3.1% | 6.63% | #147 |
| 2024 | 129 | 96 | 2.3% | 6.50% | #142 |
| 2025 | 51 | 34 | 5.9% | 6.43% | #221 |
What V.i.p. Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 20 | 13 | 1 | 5.0% |
| Douglas County | 8 | 4 | 0 | 0.0% |
| Multnomah County | 5 | 4 | 0 | 0.0% |
| Clatsop County | 3 | 1 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Grant County | 2 | 1 | 1 | 50.0% |
| Umatilla County | 2 | 2 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Klamath County | 2 | 1 | 1 | 50.0% |
| Clackamas 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: 51 applications in 2025, of which 34 were originated and 3 denied.
5.9% of all applications, or 8.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans V.i.p. Mortgage originated in Oregon in 2025 was 6.43%, against a statewide median of 6.75%.
About this data. Figures are V.i.p. 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