Mountain America Federal Credit Union in Oregon vs the state
34.2%Denial rate+18.90 pts vs state
43.3%Decision denial rate+24.17 pts vs state
44.7%Origination rate-15.88 pts vs state
6.99%Median rate+0.24 pts vs state
0.59Rate spread (pts)+0.31 pts vs state
$135kMedian applicant income
17Loans originated
13Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 69 | 17.1% | 6.88% | #138 |
| 2024 | 58 | 26 | 29.3% | 7.87% | #194 |
| 2025 | 38 | 17 | 34.2% | 6.99% | #253 |
What Mountain America Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 6 | 3 | 2 | 33.3% |
| Malheur County | 5 | 3 | 2 | 40.0% |
| Clackamas County | 4 | 1 | 2 | 50.0% |
| Josephine County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 1 | 1 | 33.3% |
| Clatsop County | 2 | 1 | 1 | 50.0% |
| Deschutes County | 2 | 1 | 0 | 0.0% |
| Polk County | 2 | 0 | 2 | 100.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
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: 38 applications in 2025, of which 17 were originated and 13 denied.
34.2% of all applications, or 43.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Mountain America Federal Credit Union originated in Oregon in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Mountain America 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