iQ Credit Union in Oregon vs the state
20.2%Denial rate+4.91 pts vs state
25.7%Decision denial rate+6.55 pts vs state
54.5%Origination rate-6.13 pts vs state
7.25%Median rate+0.50 pts vs state
0.09Rate spread (pts)-0.19 pts vs state
$130kMedian applicant income
97Loans originated
36Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 221 | 129 | 29.0% | 8.00% | #104 |
| 2024 | 176 | 102 | 26.1% | 8.25% | #113 |
| 2025 | 178 | 97 | 20.2% | 7.25% | #126 |
What iQ Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most iQ Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 71 | 41 | 15 | 21.1% |
| Clackamas County | 39 | 25 | 4 | 10.3% |
| Washington County | 12 | 5 | 2 | 16.7% |
| Marion County | 9 | 6 | 2 | 22.2% |
| Columbia County | 7 | 3 | 3 | 42.9% |
| Yamhill County | 7 | 3 | 0 | 0.0% |
| Lane County | 6 | 2 | 3 | 50.0% |
| Hood River County | 4 | 2 | 1 | 25.0% |
| Clatsop County | 4 | 4 | 0 | 0.0% |
| Polk County | 4 | 1 | 1 | 25.0% |
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: 178 applications in 2025, of which 97 were originated and 36 denied.
20.2% of all applications, or 25.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans iQ Credit Union originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are iQ 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