2024 · Oregon
In 2024, 3,481 investment-property loans worth $1.3B were originated on single-family 1-4 unit homes in Oregon. Here's how those terms compared to the rest of the country.
Investor rate premium
75 bps
U.S. median: 88 bps
Denial rate
18.0%
U.S. median: 17.2%
DSCR / business-purpose
66%
U.S. median: 69%
Median LTV
70%
U.S. median: 75%
Investors in Oregon borrowed at a median rate of 7.375%, versus 6.625% for owner-occupants — a 75 bps premium that ranks 46th of 51 states.
Their applications were denied 18.0% of the time. The leading reasons for denial were debt-to-income ratio, collateral, other.
66% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 22% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2024, the median investment-property loan in Oregon carried a rate of 7.375% versus 6.625% for an owner-occupant — a premium of 75 bps. That ranks 46th of 51 states (1 = highest premium).
18.0% of investment-property applications were denied in Oregon in 2024, the 21st-highest denial rate among the 51 states. The most common denial reasons were debt-to-income ratio, collateral, other.
66% of investor loans in Oregon were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (32nd of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA Data Browser (loan-level public dataset), 2024. Single-family 1-4 unit, site-built loans; financed purchases only.