Usalliance Federal Credit Union in Oregon vs the state
15.2%Denial rate-0.12 pts vs state
18.8%Decision denial rate-0.41 pts vs state
64.6%Origination rate+3.94 pts vs state
8.13%Median rate+1.38 pts vs state
1.35Rate spread (pts)+1.07 pts vs state
$178kMedian applicant income
51Loans originated
12Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 0.0% | 9.13% | #348 |
| 2024 | 24 | 13 | 37.5% | 9.50% | #271 |
| 2025 | 79 | 51 | 15.2% | 8.13% | #182 |
What Usalliance Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 16 | 10 | 5 | 31.3% |
| Washington County | 14 | 9 | 1 | 7.1% |
| Multnomah County | 13 | 10 | 0 | 0.0% |
| Lane County | 7 | 2 | 2 | 28.6% |
| Deschutes County | 6 | 4 | 2 | 33.3% |
| Yamhill County | 5 | 4 | 0 | 0.0% |
| Marion County | 4 | 3 | 0 | 0.0% |
| Josephine County | 3 | 2 | 0 | 0.0% |
| Benton County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 1 | 1 | 50.0% |
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: 79 applications in 2025, of which 51 were originated and 12 denied.
15.2% of all applications, or 18.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Usalliance Federal Credit Union originated in Oregon in 2025 was 8.13%, against a statewide median of 6.75%.
About this data. Figures are Usalliance 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