CENTRAL WILLAMETTE Credit Union in Oregon vs the state
11.2%Denial rate-4.11 pts vs state
18.2%Decision denial rate-0.98 pts vs state
47.2%Origination rate-13.42 pts vs state
7.67%Median rate+0.92 pts vs state
1.71Rate spread (pts)+1.43 pts vs state
$106kMedian applicant income
59Loans originated
14Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 105 | 21.2% | 7.50% | #120 |
| 2024 | 172 | 74 | 27.9% | 8.50% | #116 |
| 2025 | 125 | 59 | 11.2% | 7.67% | #153 |
What CENTRAL WILLAMETTE Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most CENTRAL WILLAMETTE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Linn County | 22 | 21 | 0 | 0.0% |
| Marion County | 15 | 12 | 0 | 0.0% |
| Benton County | 6 | 5 | 0 | 0.0% |
| Lane County | 6 | 6 | 0 | 0.0% |
| Multnomah County | 5 | 3 | 0 | 0.0% |
| Yamhill County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Washington 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: 125 applications in 2025, of which 59 were originated and 14 denied.
11.2% of all applications, or 18.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans CENTRAL WILLAMETTE Credit Union originated in Oregon in 2025 was 7.67%, against a statewide median of 6.75%.
About this data. Figures are CENTRAL WILLAMETTE Credit Union'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