Credit Human Federal Credit Union in Oregon vs the state
50.5%Denial rate+35.22 pts vs state
50.6%Decision denial rate+31.47 pts vs state
23.6%Origination rate-37.04 pts vs state
8.50%Median rate+1.75 pts vs state
2.65Rate spread (pts)+2.37 pts vs state
$74kMedian applicant income
112Loans originated
240Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 660 | 159 | 49.9% | 8.30% | #51 |
| 2024 | 652 | 162 | 48.6% | 8.80% | #53 |
| 2025 | 475 | 112 | 50.5% | 8.50% | #66 |
What Credit Human Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 69 | 21 | 30 | 43.5% |
| Marion County | 54 | 11 | 31 | 57.4% |
| Clackamas County | 51 | 13 | 27 | 52.9% |
| Washington County | 50 | 11 | 24 | 48.0% |
| Jackson County | 34 | 4 | 17 | 50.0% |
| Linn County | 26 | 5 | 15 | 57.7% |
| Deschutes County | 25 | 8 | 12 | 48.0% |
| Douglas County | 24 | 0 | 17 | 70.8% |
| Lincoln County | 22 | 8 | 11 | 50.0% |
| Yamhill County | 21 | 6 | 10 | 47.6% |
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: 475 applications in 2025, of which 112 were originated and 240 denied.
50.5% of all applications, or 50.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Credit Human Federal Credit Union originated in Oregon in 2025 was 8.50%, against a statewide median of 6.75%.
About this data. Figures are Credit Human Federal 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