Oregon State Credit Union in Oregon vs the state
11.5%Denial rate-3.78 pts vs state
14.3%Decision denial rate-4.85 pts vs state
64.4%Origination rate+3.78 pts vs state
7.50%Median rate+0.75 pts vs state
7.50Rate spread (pts)+7.22 pts vs state
$114kMedian applicant income
832Loans originated
149Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 921 | 634 | 12.6% | 8.25% | #40 |
| 2024 | 1,022 | 701 | 10.6% | 8.50% | #35 |
| 2025 | 1,292 | 832 | 11.5% | 7.50% | #32 |
What Oregon State Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Oregon State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 336 | 245 | 22 | 6.5% |
| Linn County | 236 | 161 | 23 | 9.7% |
| Polk County | 191 | 129 | 17 | 8.9% |
| Marion County | 158 | 94 | 31 | 19.6% |
| Lincoln County | 125 | 69 | 16 | 12.8% |
| Yamhill County | 42 | 25 | 7 | 16.7% |
| Lane County | 42 | 21 | 5 | 11.9% |
| Clackamas County | 34 | 16 | 8 | 23.5% |
| Washington County | 28 | 17 | 3 | 10.7% |
| Multnomah County | 25 | 9 | 4 | 16.0% |
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: 1,292 applications in 2025, of which 832 were originated and 149 denied.
11.5% of all applications, or 14.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Oregon State Credit Union originated in Oregon in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Oregon State 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