Pacific N W Federal Credit Union in Oregon vs the state
16.7%Denial rate+1.36 pts vs state
18.0%Decision denial rate-1.13 pts vs state
63.6%Origination rate+3.02 pts vs state
7.18%Median rate+0.42 pts vs state
1.30Rate spread (pts)+1.02 pts vs state
$114kMedian applicant income
42Loans originated
11Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 46 | 14.9% | 7.25% | #171 |
| 2024 | 90 | 47 | 20.0% | 7.35% | #164 |
| 2025 | 66 | 42 | 16.7% | 7.18% | #200 |
What Pacific N W Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Pacific N W Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 20 | 12 | 5 | 25.0% |
| Hood River County | 15 | 8 | 3 | 20.0% |
| Wasco County | 9 | 6 | 1 | 11.1% |
| Washington County | 6 | 4 | 1 | 16.7% |
| Clackamas County | 6 | 5 | 0 | 0.0% |
| Columbia County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Tillamook County | 1 | 1 | 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: 66 applications in 2025, of which 42 were originated and 11 denied.
16.7% of all applications, or 18.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Pacific N W Federal Credit Union originated in Oregon in 2025 was 7.18%, against a statewide median of 6.75%.
About this data. Figures are Pacific N W 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