GTE Federal Credit Union in Oregon vs the state
10.3%Denial rate-5.05 pts vs state
10.8%Decision denial rate-8.35 pts vs state
83.3%Origination rate+22.71 pts vs state
8.25%Median rate+1.50 pts vs state
0.97Rate spread (pts)+0.69 pts vs state
$142kMedian applicant income
65Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 12 | 25.0% | 11.75% | #262 |
| 2024 | 62 | 46 | 16.1% | 10.06% | #188 |
| 2025 | 78 | 65 | 10.3% | 8.25% | #184 |
What GTE Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 16 | 15 | 0 | 0.0% |
| Clackamas County | 12 | 10 | 1 | 8.3% |
| Multnomah County | 10 | 9 | 1 | 10.0% |
| Lane County | 9 | 7 | 2 | 22.2% |
| Marion County | 5 | 4 | 1 | 20.0% |
| Clatsop County | 3 | 0 | 2 | 66.7% |
| Yamhill County | 3 | 3 | 0 | 0.0% |
| Deschutes County | 3 | 2 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Linn County | 2 | 2 | 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: 78 applications in 2025, of which 65 were originated and 8 denied.
10.3% of all applications, or 10.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans GTE Federal Credit Union originated in Oregon in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are GTE 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