Idaho Central Credit Union in Oregon vs the state
35.7%Denial rate+20.40 pts vs state
40.5%Decision denial rate+21.38 pts vs state
31.0%Origination rate-29.67 pts vs state
7.13%Median rate+0.38 pts vs state
0.64Rate spread (pts)+0.36 pts vs state
$104kMedian applicant income
26Loans originated
30Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 21 | 28.3% | 7.00% | #207 |
| 2024 | 41 | 15 | 48.8% | 6.63% | #223 |
| 2025 | 84 | 26 | 35.7% | 7.13% | #177 |
What Idaho Central Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Idaho Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Malheur County | 43 | 11 | 18 | 41.9% |
| Jackson County | 6 | 2 | 1 | 16.7% |
| Multnomah County | 5 | 0 | 3 | 60.0% |
| Baker County | 5 | 1 | 2 | 40.0% |
| Lincoln County | 4 | 4 | 0 | 0.0% |
| Clackamas County | 4 | 1 | 2 | 50.0% |
| Deschutes County | 3 | 1 | 1 | 33.3% |
| Union County | 3 | 1 | 1 | 33.3% |
| Wallowa County | 2 | 0 | 1 | 50.0% |
| Lane County | 2 | 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: 84 applications in 2025, of which 26 were originated and 30 denied.
35.7% of all applications, or 40.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Idaho Central Credit Union originated in Oregon in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Idaho Central 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