STAR ONE Credit Union in Oregon vs the state
11.1%Denial rate-4.20 pts vs state
11.1%Decision denial rate-8.05 pts vs state
55.6%Origination rate-5.06 pts vs state
6.38%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.44 pts vs state
$116kMedian applicant income
10Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 17 | 12.5% | 5.88% | #264 |
| 2024 | 17 | 11 | 11.8% | 6.63% | #299 |
| 2025 | 18 | 10 | 11.1% | 6.38% | #303 |
What STAR ONE Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most STAR ONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 4 | 1 | 1 | 25.0% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Clackamas County | 2 | 1 | 0 | 0.0% |
| Klamath County | 2 | 0 | 1 | 50.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Deschutes County | 1 | 0 | 0 | 0.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Multnomah County | 1 | 1 | 0 | 0.0% |
| Lane County | 1 | 1 | 0 | 0.0% |
| Hood River 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: 18 applications in 2025, of which 10 were originated and 2 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans STAR ONE Credit Union originated in Oregon in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are STAR ONE 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