Onpoint Community Credit Union in Oregon vs the state
15.7%Denial rate+0.37 pts vs state
17.2%Decision denial rate-1.92 pts vs state
70.4%Origination rate+9.73 pts vs state
7.50%Median rate+0.75 pts vs state
0.22Rate spread (pts)-0.06 pts vs state
$129kMedian applicant income
7,535Loans originated
1,679Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,090 | 6,498 | 16.8% | 8.25% | #1 |
| 2024 | 9,495 | 6,540 | 17.1% | 8.50% | #1 |
| 2025 | 10,710 | 7,535 | 15.7% | 7.50% | #1 |
What Onpoint Community Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Onpoint Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 3,627 | 2,559 | 561 | 15.5% |
| Washington County | 2,194 | 1,578 | 306 | 13.9% |
| Clackamas County | 2,165 | 1,519 | 322 | 14.9% |
| Deschutes County | 673 | 466 | 125 | 18.6% |
| Yamhill County | 457 | 334 | 76 | 16.6% |
| Marion County | 428 | 294 | 77 | 18.0% |
| Lane County | 328 | 225 | 57 | 17.4% |
| Columbia County | 148 | 103 | 23 | 15.5% |
| Polk County | 91 | 64 | 13 | 14.3% |
| Linn County | 87 | 50 | 23 | 26.4% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Bank of America | F | 2,389 | 26.6% | 6.24% |
Frequently asked questions
Oregon: 10,710 applications in 2025, of which 7,535 were originated and 1,679 denied.
15.7% of all applications, or 17.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Onpoint Community Credit Union originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Onpoint Community 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