Washington State Employees Credit Union in Oregon vs the state
52.7%Denial rate+37.42 pts vs state
55.8%Decision denial rate+36.61 pts vs state
41.8%Origination rate-18.80 pts vs state
7.25%Median rate+0.50 pts vs state
0.72Rate spread (pts)+0.44 pts vs state
$129kMedian applicant income
23Loans originated
29Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 24 | 31.0% | 7.61% | #216 |
| 2024 | 33 | 16 | 39.4% | 8.24% | #244 |
| 2025 | 55 | 23 | 52.7% | 7.25% | #210 |
What Washington State Employees Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Washington State Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 11 | 5 | 6 | 54.5% |
| Washington County | 11 | 5 | 4 | 36.4% |
| Deschutes County | 3 | 2 | 1 | 33.3% |
| Clackamas County | 3 | 1 | 2 | 66.7% |
| Umatilla County | 3 | 1 | 2 | 66.7% |
| Wasco County | 2 | 1 | 1 | 50.0% |
| Josephine County | 2 | 1 | 1 | 50.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Curry 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: 55 applications in 2025, of which 23 were originated and 29 denied.
52.7% of all applications, or 55.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Washington State Employees Credit Union originated in Oregon in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Washington State Employees 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