Potlatch No. 1 Financial Credit Union in Oregon vs the state
18.8%Denial rate+3.44 pts vs state
27.3%Decision denial rate+8.11 pts vs state
37.5%Origination rate-23.12 pts vs state
7.38%Median rate+0.63 pts vs state
0.95Rate spread (pts)+0.67 pts vs state
$103kMedian applicant income
6Loans originated
3Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 21.4% | 6.88% | #313 |
| 2024 | 27 | 12 | 18.5% | 7.44% | #257 |
| 2025 | 16 | 6 | 18.8% | 7.38% | #313 |
What Potlatch No. 1 Financial Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Potlatch No. 1 Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 3 | 2 | 1 | 33.3% |
| Wallowa County | 2 | 1 | 0 | 0.0% |
| Columbia County | 2 | 0 | 0 | 0.0% |
| Malheur County | 2 | 1 | 1 | 50.0% |
| Umatilla County | 2 | 0 | 1 | 50.0% |
| Linn County | 1 | 0 | 0 | 0.0% |
| Coos County | 1 | 0 | 0 | 0.0% |
| Wasco County | 1 | 1 | 0 | 0.0% |
| Morrow County | 1 | 0 | 0 | 0.0% |
| Baker 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: 16 applications in 2025, of which 6 were originated and 3 denied.
18.8% of all applications, or 27.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Potlatch No. 1 Financial Credit Union originated in Oregon in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Potlatch No. 1 Financial 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