Service Federal Credit Union in Oregon vs the state
60.0%Denial rate+44.69 pts vs state
66.7%Decision denial rate+47.51 pts vs state
30.0%Origination rate-30.62 pts vs state
6.13%Median rate-0.63 pts vs state
-0.27Rate spread (pts)-0.55 pts vs state
$166kMedian applicant income
3Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 40.0% | 6.38% | #441 |
| 2025 | 10 | 3 | 60.0% | 6.13% | #370 |
What Service Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 2 | 0 | 2 | 100.0% |
| Umatilla County | 2 | 0 | 2 | 100.0% |
| Lane County | 1 | 0 | 0 | 0.0% |
| Douglas County | 1 | 0 | 1 | 100.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Crook County | 1 | 0 | 1 | 100.0% |
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: 10 applications in 2025, of which 3 were originated and 6 denied.
60.0% of all applications, or 66.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Service Federal Credit Union originated in Oregon in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Service 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