Oregon State Credit Union mortgage approval rate & lending review
Oregon State Credit Union decided 782 mortgage applications and funded 652 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oregon State Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oregon State Credit Union at a glance
Approval is 18.4 points above the 70.5% 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 | 94% | 188 / 200 | 85% | $345K | 160 |
| Home improvement loans | 90% | 417 / 463 | 98% | $75K | 407 |
| Cash-out refinance | 72% | 42 / 58 | 95% | $105K | 40 |
Oregon State Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 89% | $75K | 774 | 646 |
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 Oregon State Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Linn County, OR | Home improvement loans | 92% | 213 | 193 |
| Marion County, OR | Home improvement loans | 89% | 131 | 111 |
| Linn County, OR | Mortgage lenders | 97% | 65 | 55 |
| Marion County, OR | Mortgage lenders | 98% | 48 | 41 |
| Yamhill County, OR | Home improvement loans | 100% | 35 | 34 |
| Linn County, OR | Cash-out refinance | 77% | 31 | 24 |
| Lane County, OR | Home improvement loans | 90% | 20 | 18 |
| Clackamas County, OR | Home improvement loans | 65% | 20 | 13 |
The county markets where Oregon State Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Oregon State Credit Union
What is Oregon State Credit Union's mortgage approval rate?
Oregon State Credit Union approved 88.9% of the 782 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.4 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan Oregon State Credit Union offers?
Borrowers accepted 94% of the loans Oregon State 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 Oregon State Credit Union make?
The typical home improvement loan loan Oregon State Credit Union made was $75K; across all loan types its typical loan ran from $75K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oregon State Credit Union lend?
Oregon State Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Oregon and Washington.
Can I apply to Oregon State Credit Union directly?
Yes. Oregon State Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oregon State 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 Oregon State Credit Union treats applications, then get a rate quote from the lender.