Onpoint Community Credit Union mortgage approval rate & lending review
Onpoint Community Credit Union decided 22,149 mortgage applications and funded 17,528 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Onpoint Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Onpoint Community Credit Union at a glance
Approval is 11.9 points above the 72.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 5,112 / 5,532 | 97% | $385K | 4,974 |
| Home improvement loans | 82% | 8,021 / 9,816 | 91% | $75K | 7,296 |
| Cash-out refinance | 87% | 420 / 483 | 98% | $295K | 412 |
| Refinance | 85% | 4,462 / 5,264 | 94% | $115K | 4,203 |
| Investment property purchase | 77% | 270 / 349 | 96% | $295K | 258 |
| Investment cash-out refinance | 82% | 45 / 55 | 100% | $295K | 45 |
| Investment refinance | 61% | 91 / 150 | 93% | $125K | 85 |
| Investment home improvement | 56% | 280 / 500 | 91% | $75K | 255 |
Onpoint Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 85% | $115K | 20,330 | 16,130 |
| Washington | 82% | $125K | 1,815 | 1,398 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Onpoint Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Multnomah County, OR | Home improvement loans | 83% | 3,218 | 2,388 |
| Multnomah County, OR | Mortgage lenders | 93% | 2,112 | 1,916 |
| Washington County, OR | Home improvement loans | 84% | 2,009 | 1,534 |
| Clackamas County, OR | Home improvement loans | 83% | 1,994 | 1,529 |
| Multnomah County, OR | Refinance | 84% | 1,707 | 1,349 |
| Washington County, OR | Mortgage lenders | 94% | 1,179 | 1,081 |
| Clackamas County, OR | Refinance | 86% | 1,186 | 971 |
| Washington County, OR | Refinance | 86% | 1,120 | 910 |
| Clackamas County, OR | Mortgage lenders | 92% | 831 | 737 |
| Clark County, WA | Home improvement loans | 78% | 752 | 541 |
| Deschutes County, OR | Home improvement loans | 79% | 624 | 458 |
| Clark County, WA | Mortgage lenders | 90% | 424 | 377 |
The county markets where Onpoint Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Onpoint Community Credit Union
What is Onpoint Community Credit Union's mortgage approval rate?
Onpoint Community Credit Union approved 84.4% of the 22,149 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan Onpoint Community Credit Union offers?
Borrowers accepted 94% of the loans Onpoint Community Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Onpoint Community Credit Union make?
The typical home improvement loan loan Onpoint Community Credit Union made was $75K; across all loan types its typical loan ran from $75K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Onpoint Community Credit Union lend?
Onpoint Community Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Oregon, Washington and California.
Can I apply to Onpoint Community Credit Union directly?
Yes. Onpoint Community Credit Union is a bank or credit union with 62 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Onpoint Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Onpoint Community Credit Union treats applications, then get a rate quote from the lender.