Oregonians Credit Union in Oregon vs the state
15.9%Denial rate+0.62 pts vs state
17.6%Decision denial rate-1.56 pts vs state
72.4%Origination rate+11.73 pts vs state
5.50%Median rate-1.25 pts vs state
-1.70Rate spread (pts)-1.98 pts vs state
$134kMedian applicant income
327Loans originated
72Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 564 | 421 | 12.9% | 3.49% | #55 |
| 2024 | 548 | 369 | 16.8% | 5.50% | #61 |
| 2025 | 452 | 327 | 15.9% | 5.50% | #69 |
What Oregonians Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Oregonians Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 73 | 55 | 11 | 15.1% |
| Washington County | 72 | 62 | 5 | 6.9% |
| Clackamas County | 40 | 35 | 3 | 7.5% |
| Crook County | 14 | 9 | 4 | 28.6% |
| Yamhill County | 10 | 10 | 0 | 0.0% |
| Marion County | 8 | 7 | 0 | 0.0% |
| Lane County | 8 | 6 | 0 | 0.0% |
| Deschutes County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 3 | 3 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
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: 452 applications in 2025, of which 327 were originated and 72 denied.
15.9% of all applications, or 17.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Oregonians Credit Union originated in Oregon in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Oregonians 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