2025 · Oregon
In 2025, 4,681 investment-property loans worth $1.7B 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
63 bps
U.S. median: 76 bps
Denial rate
16.4%
U.S. median: 17.5%
DSCR / business-purpose
72%
U.S. median: 72%
Median LTV
70%
U.S. median: 74%
Since 2024 in Oregon
Rate premium
75 bps → 63 bps
-12 bpsInvestor loans
3,481 → 4,681
+34.5%Denial rate
18.0% → 16.4%
-1.7 ptsDSCR / business-purpose
66% → 72%
+5.8 ptsInvestors in Oregon borrowed at a median rate of 7.125%, versus 6.5% for owner-occupants — a 63 bps premium that ranks 42nd of 51 states.
Their applications were denied 16.4% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
72% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 25% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2025, the median investment-property loan in Oregon carried a rate of 7.125% versus 6.5% for an owner-occupant — a premium of 63 bps. That ranks 42nd of 51 states (1 = highest premium).
16.4% of investment-property applications were denied in Oregon in 2025, the 31st-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
72% of investor loans in Oregon were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (17th of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.