Unitus Community Credit Union in Oregon vs the state
34.5%Denial rate+19.15 pts vs state
39.5%Decision denial rate+20.35 pts vs state
48.1%Origination rate-12.51 pts vs state
7.25%Median rate+0.50 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$114kMedian applicant income
497Loans originated
356Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,026 | 482 | 39.0% | 8.49% | #35 |
| 2024 | 989 | 500 | 32.4% | 8.25% | #39 |
| 2025 | 1,033 | 497 | 34.5% | 7.25% | #42 |
What Unitus Community Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Unitus Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 346 | 145 | 134 | 38.7% |
| Washington County | 225 | 123 | 57 | 25.3% |
| Clackamas County | 204 | 107 | 68 | 33.3% |
| Marion County | 117 | 49 | 53 | 45.3% |
| Yamhill County | 21 | 13 | 2 | 9.5% |
| Deschutes County | 19 | 11 | 6 | 31.6% |
| Polk County | 16 | 5 | 8 | 50.0% |
| Columbia County | 14 | 8 | 3 | 21.4% |
| Linn County | 13 | 7 | 4 | 30.8% |
| Lane County | 11 | 6 | 4 | 36.4% |
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: 1,033 applications in 2025, of which 497 were originated and 356 denied.
34.5% of all applications, or 39.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Unitus Community Credit Union originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Unitus Community 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