Vista Point Mortgage in Oregon vs the state
12.5%Denial rate-2.81 pts vs state
13.3%Decision denial rate-5.83 pts vs state
62.5%Origination rate+1.88 pts vs state
7.19%Median rate+0.44 pts vs state
3.15Rate spread (pts)+2.87 pts vs state
$437kMedian applicant income
10Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 0 | 60.0% | — | #418 |
| 2024 | 8 | 5 | 12.5% | 7.50% | #378 |
| 2025 | 16 | 10 | 12.5% | 7.19% | #315 |
What Vista Point Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 7 | 4 | 0 | 0.0% |
| Multnomah County | 5 | 3 | 1 | 20.0% |
| Deschutes County | 1 | 0 | 1 | 100.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Lincoln 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: 16 applications in 2025, of which 10 were originated and 2 denied.
12.5% of all applications, or 13.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Vista Point Mortgage originated in Oregon in 2025 was 7.19%, against a statewide median of 6.75%.
About this data. Figures are Vista Point 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