Lender in Oregon · HMDA 2025
Onpoint Community Credit Union mortgages in Oregon
Onpoint Community Credit Union's 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
Onpoint Community Credit Union originated 2,030 owner-occupied single-family loans in Oregon from 2,126 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $4,610 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 6.50% (Oregon: 6.625%).
Loans in OR
2,030
of 2,126 applications
Denial rate
2.2%
Purchase · OR 5.7%
Rate spread
−0.07 pts
Conv. · OR +0.12 pts
Loan amount
$415,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,628 | 1,587 | 2.2% | 6.500% | −0.07 pts | $4,610 | $415,000 |
| Refinance | 292 | 276 | 5.1% | 6.125% | −0.16 pts | $3,270 | $425,000 |
| Cash-out refinance | 206 | 167 | 18.0% | 6.500% | −0.02 pts | $3,560 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where Onpoint Community Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Multnomah County | 2 | 810 | 9.4% |
| Washington County | 2 | 462 | 6.3% |
| Clackamas County | 2 | 327 | 6.5% |
| Yamhill County | 5 | 60 | 4.9% |
| Tillamook County | 7 | 9 | 3.1% |
| Columbia County | 8 | 18 | 2.7% |
| Crook County | 10 | 13 | 2.8% |
| Lincoln County | 10 | 10 | 2.1% |
| Hood River County | 10 | 4 | 2.3% |
| Harney County | 10 | 1 | 1.7% |
| Deschutes County | 11 | 93 | 2.8% |
| Benton County | 11 | 16 | 2.3% |
| Marion County | 12 | 73 | 2.0% |
| Wasco County | 12 | 5 | 2.0% |
| Grant County | 12 | 1 | 1.5% |
| Polk County | 14 | 19 | 1.8% |
| Baker County | 15 | 2 | 1.0% |
| Lane County | 16 | 70 | 1.8% |
| Jefferson County | 17 | 4 | 1.3% |
| Union County | 18 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology