Navy Federal Credit Union in Oregon vs the state
20.8%Denial rate+5.44 pts vs state
30.5%Decision denial rate+11.37 pts vs state
46.1%Origination rate-14.51 pts vs state
7.00%Median rate+0.25 pts vs state
0.26Rate spread (pts)-0.02 pts vs state
$126kMedian applicant income
540Loans originated
243Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 900 | 438 | 24.1% | 6.95% | #43 |
| 2024 | 998 | 504 | 20.3% | 7.65% | #38 |
| 2025 | 1,171 | 540 | 20.8% | 7.00% | #35 |
What Navy Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 180 | 83 | 28 | 15.6% |
| Multnomah County | 158 | 72 | 39 | 24.7% |
| Clackamas County | 132 | 63 | 23 | 17.4% |
| Lane County | 95 | 36 | 21 | 22.1% |
| Marion County | 74 | 32 | 13 | 17.6% |
| Jackson County | 69 | 35 | 21 | 30.4% |
| Deschutes County | 62 | 31 | 13 | 21.0% |
| Linn County | 43 | 20 | 9 | 20.9% |
| Douglas County | 37 | 18 | 9 | 24.3% |
| Yamhill County | 34 | 15 | 8 | 23.5% |
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: 1,171 applications in 2025, of which 540 were originated and 243 denied.
20.8% of all applications, or 30.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Navy Federal Credit Union originated in Oregon in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Navy 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