Qualstar Credit Union in Oregon vs the state
12.5%Denial rate-2.81 pts vs state
14.3%Decision denial rate-4.87 pts vs state
75.0%Origination rate+14.38 pts vs state
6.74%Median rate-0.01 pts vs state
0.57Rate spread (pts)+0.29 pts vs state
$116kMedian applicant income
6Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 25.0% | 7.12% | #367 |
| 2024 | 5 | 4 | 20.0% | 7.49% | #411 |
| 2025 | 8 | 6 | 12.5% | 6.74% | #385 |
What Qualstar Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Qualstar Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Multnomah County | 2 | 1 | 1 | 50.0% |
| Clackamas County | 1 | 1 | 0 | 0.0% |
| Jackson 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: 8 applications in 2025, of which 6 were originated and 1 denied.
12.5% 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 Qualstar Credit Union originated in Oregon in 2025 was 6.74%, against a statewide median of 6.75%.
About this data. Figures are Qualstar 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