OREGONIANS CREDIT UNION
OREGONIANS CREDIT UNION received 468 applications in 2025 and made 335 mortgages, in 23 counties across 3 states. The median rate its borrowers got was 5.500% on a median loan of $95,000. Of 424 decisions, 77 were denials — 18.2%, most often for debt-to-income ratio. 212 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300E34W6TNRG7B624 |
|---|---|
| Applications received | 468 |
| Mortgages made | 335 |
| Denied | 77 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.7 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 29 | 5.500% | $105,000 | 14.3% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Other purposes | 291 | 5.500% | $85,000 | 18.2% |
Where OREGONIANS CREDIT UNION lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, OR | 62 | 5.500% | 7.1% |
| Multnomah County, OR | 55 | 5.500% | 16.7% |
| Clackamas County, OR | 35 | 5.500% | 7.7% |
| Yamhill County, OR | 10 | 5.500% | 0.0% |
| Crook County, OR | 9 | Under 10 loans | 30.8% |
| Marion County, OR | 7 | Under 10 loans | 0.0% |
| Lane County, OR | 6 | Under 10 loans | 0.0% |
| Deschutes County, OR | 3 | Under 10 loans | 25.0% |
| Jefferson County, OR | 3 | Under 10 loans | 0.0% |
| Polk County, OR | 3 | Under 10 loans | 0.0% |
| Columbia County, OR | 2 | Under 10 loans | 0.0% |
| Clark County, WA | 2 | Under 10 loans | 25.0% |
| Lewis County, WA | 2 | Under 10 loans | 0.0% |
| Mason County, WA | 2 | Under 10 loans | 0.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, OR | 1 | Under 10 loans | 0.0% |
| Lincoln County, OR | 1 | Under 10 loans | 0.0% |
| Linn County, OR | 1 | Under 10 loans | 0.0% |
| Tillamook County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Jackson County, OR | 0 | Under 10 loans | Not published |
| Wasco County, OR | 0 | Under 10 loans | 100.0% |
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When OREGONIANS CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.